445 E Circle Dr, Muskegon, MI 49445 Property Records

Muskegon County property record for 445 E Circle Dr, Muskegon, MI 49445

Property Summary

Property Type	Single Family Home
Details	3.5 ba · 3,288 sqft
Lot Size	0.609 acres (26,528 sqft)
Owner	2 Individual Names on Record
Last Sale	$310,000 (Aug 2004)
Tax Bill	$7,048 (2025)
Deeds & Mortgages	Jan 2026 Line of Credit Oct 2022 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`23304000005700`

Property Details

APN / Parcel Number

Primary APN	`23304000005700`
Alternative APN	`61-23-304-000-0057-00`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	4 Plumbing Fixtures
Total Rooms	1 Room
Stories	2 Stories
Building Area	3,288 sqft Living Area
1st Floor Area	1,824 sqft
Basement Area	1,104 sqft
Unfinished Basement	1,104 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Exterior Material	Aluminum/Vinyl
Lot Area	26,528 sqft (0.609 acres)
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	445 E CIRCLE DR
City	MUSKEGON
State	MI
Zip	49445-2713
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1-LOW
Legal Description	NORTH MUSKEGON CITY INTERLAKEN NO 1 LOTS 57 & 58 SUBJ TO UTILITY ESMT L3594/P338
Legal Subdivision	INTERLAKEN
Legal Lot Number	57-58
Jurisdiction	MUSKEGON MI
Township / Civil Division	NORTH MUSKEGON
Census Block Group	4
Census Block	4004
Census Tract	1500

Owner

Source: Muskegon County records, as of June 30, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	445 E CIRCLE DR, MUSKEGON, MI 49445-2713
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 27, 2026	Deed of Trust, Mortgage · Line of Credit FIFTH THIRD BANK NA
Oct 14, 2022	Deed of Trust, Mortgage · Line of Credit FIFTH THIRD BANK NA
Sep 30, 2021	Deed of Trust, Mortgage · Conventional Mortgage FIFTH THIRD BANK NA
Jul 13, 2020	Deed of Trust, Mortgage · Conventional Mortgage FIFTH THIRD BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 5, 2004 · Amount on Record
Deed Sale	Aug 5, 2004 · Amount on Record
Deed Document Number	20045114384
Deed Book / Page	3614 / 59
Record Updated	Oct 29, 2026

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MUSKEGON MI
Property Address	445 E CIRCLE DR, MUSKEGON, MI 49445-2713
Transaction Type	Mortgage
Record Updated	Feb 17, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	445 E CIRCLE DR, MUSKEGON, MI 49445-2713

Mortgage

Document Number	004406/917
Date	Jan 27, 2026
Book Page	4406/917
Instrument	5872442

Lender

Name	FIFTH THIRD BANK NA
Type	Bank
Address	GRAND RAPIDS, MI 49546

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MUSKEGON MI
Property Address	445 E CIRCLE DR, MUSKEGON, MI 49445-2713
Transaction Type	Mortgage
Record Updated	Oct 24, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	445 E CIRCLE DR, MUSKEGON, MI 49445-2713

Mortgage

Document Number	004312/799
Date	Oct 14, 2022
Book Page	4312/799
Instrument	5778410

Lender

Name	FIFTH THIRD BANK NA
Type	Bank
Address	GRAND RAPIDS, MI 49546

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MUSKEGON MI
Property Address	445 E CIRCLE DR, MUSKEGON, MI 49445-2713
Transaction Type	Mortgage
Record Updated	Oct 11, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	445 E CIRCLE DR, MUSKEGON, MI 49445-2713

Mortgage

Document Number	4275/854
Date	Sep 30, 2021
Book Page	4275/854
Instrument	5741502

Lender

Name	FIFTH THIRD BANK NA
Type	Bank
Address	CINCINNATI, OH 45227

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Oct 1, 2041

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MUSKEGON MI
Property Address	445 E CIRCLE DR, MUSKEGON, MI 49445-2713
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0005692316
Date	Jul 13, 2020
Book Page	4226/620
Instrument	5692316

Lender

Name	FIFTH THIRD BANK NA
Type	Bank
Address	CINCINNATI, OH 45227

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	236 Months
Due	Mar 1, 2040

Tax Assessment & Valuation

Source: Muskegon County assessment roll, as of June 30, 2026

Property Jurisdictions

Type	Name
State	Michigan
County	Muskegon County
Municipality	North Muskegon City
Unified School District	North Muskegon Public Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$369,400 (+7.76%)	$738,800 (+7.76%)
2025	$7,048.00 Homeowner's exemption	$342,800	$685,600

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective October 6, 2021 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force
Nearby Flood Claims	1 (2020)
Most Recent Claim	Jun 2020 · river or lake flooding

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · above 51% of Michigan
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	NORTH MUSKEGON serves 3,786 people · EPA ID MI0004780
Water Source	Purchased surface water from MUSKEGON
Last State Inspection	May 2025
Lead	7 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 177 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Xfinity Cable	1,200 / 35

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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