445 Headwaters Dr NE, Lowell, MI 49331 Property Records

Kent County property record for 445 Headwaters Dr NE, Lowell, MI 49331

Property Summary

Property Type	Condominium
Details	4 bd · 4.5 ba · 3,231 sqft · built 2007
Lot Size	1.48 acres (64,599 sqft)
Owner	2 Individual Names on Record
Last Sale	$525,000 (Mar 2017)
Tax Bill	$9,210 (2025)
Deeds & Mortgages	May 2019 Mortgage Sep 2017 Loan Modification + 3 more
Flood Zone	Zone X (minimal risk)
APN	`41-16-21-301-001`

Property Details

APN / Parcel Number

Primary APN	`41-16-21-301-001`

Interior

Bedrooms	4 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,231 sqft Living Area
1st Floor Area	2,388 sqft
Basement Area	2,196 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Architectural Style	Condo/Apartment
Lot Area	64,599 sqft (1.48 acres)
Parking Spaces	4 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	445 HEADWATERS DR NE
City	LOWELL
State	MI
Zip	49331-8632
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	R-A
Legal Description	411621301001 UNIT 1 * HEADWATERS KENT COUNTY CONDOMINIUM SUBDIVISION PLAN NO.577 LIBER 6070 PAGE 951 AS AMENDED BY INSTRUMENT
Legal Subdivision	HEADWATERS KENT COUNTY CONDOMINIUM SUBDI
Legal Unit	1
Jurisdiction	KENT MI
Township / Civil Division	VERGENNES
Census Block Group	3
Census Block	3009
Census Tract	12003

Owner

Source: Kent County records, as of September 18, 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 HEADWATERS DR NE, LOWELL, MI 49331-8632
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 22, 2019	Quit Claim Deed, Transfer · Conventional Mortgage LAKE MI CU
Sep 12, 2017	Loan Modification, Mortgage · Conventional Mortgage OTHER INSTITUTIONAL LENDERS
Apr 13, 2017	Quit Claim Deed, Transfer ATTORNEY ONLY
Mar 21, 2017	Loan Modification, Mortgage · Conventional Mortgage OTHER INSTITUTIONAL LENDERS
Mar 6, 2017	Warranty Deed, Transfer · Conventional Mortgage LAKE MI CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 6, 2017 · Amount on Record
Deed Sale	Mar 6, 2017 · Amount on Record
Prior Sale	Jan 13, 2012 · Amount on Record
Deed Document Number	201718680
Last Transfer Date	May 16, 2019
Transfer Doc	0000035383
Record Updated	Oct 29, 2026

May 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	KENT MI
Recording Date	May 22, 2019
Property Address	445 HEADWATERS DR NE, LOWELL, MI 49331-8632
Document Number	0000035383
Instrument Date	May 16, 2019
Instrument	35383
Transaction Type	Transfer
Record Updated	Jun 11, 2019
Title Company	FIRST AMERICAN TITLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	445 HEADWATERS DR NE LOWELL MI 493318632, LOWELL, MI 49331-8632

Mortgage

Document Number	35214
Date	May 22, 2019
Instrument	35214

Lender

Name	LAKE MI CU
Type	Credit Union
Address	GRAND RAPIDS, MI 49501

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	May 21, 2034

September 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	KENT MI
Property Address	445 HEADWATERS DR NE, LOWELL, MI 49331-8632
Document Number	0000079401
Instrument Date	Sep 12, 2017
Transaction Type	Mortgage
Record Updated	Aug 27, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	445 HEADWATERS DR NE LOWELL MI 493318632, LOWELL, MI 49331-8632

Mortgage

Document Number	0000079401
Date	Sep 20, 2017
Instrument	79401

Lender

Name	OTHER INSTITUTIONAL LENDERS
Type	Funding / Finance Company
Address	PO BOX 2026, FLINT, MI 48501-2026

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 19, 2047

Interest

Rate	4.5%

April 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	KENT MI
Recording Date	Apr 13, 2017
Property Address	445 HEADWATERS DR NE, LOWELL, MI 49331-8632
Document Number	0000032213
Instrument Date	Apr 12, 2017
Instrument	32213
Transaction Type	Transfer
Record Updated	Apr 28, 2017
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	445 HEADWATERS DR NE LOWELL MI 493318632, LOWELL, MI 49331-8632

March 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	KENT MI
Property Address	445 HEADWATERS DR NE, LOWELL, MI 49331-8632
Document Number	0000027570
Instrument Date	Mar 21, 2017
Transaction Type	Mortgage
Record Updated	Jan 9, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	445 HEADWATERS DR NE LOWELL MI 493318632, LOWELL, MI 49331-8632

Mortgage

Document Number	0000027570
Date	Mar 27, 2017
Instrument	27570

Lender

Name	OTHER INSTITUTIONAL LENDERS
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 26, 2047

Interest

Rate Type	Fixed Rate
Rate	4.5%

March 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENT MI
Recording Date	Mar 6, 2017
Property Address	445 HEADWATERS DR NE, LOWELL, MI 49331-8632
Document Number	0000018680
Instrument Date	Mar 1, 2017
Instrument	18680
Transaction Type	Transfer
Record Updated	Apr 18, 2017
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4534 FOREST LAKE CT SE GRAND RAPIDS MI 495466290, GRAND RAPIDS, MI 49546-6290

Mortgage

Document Number	18681
Date	Mar 6, 2017
Instrument	18681

Lender

Name	LAKE MI CU
Type	Credit Union
Address	GRAND RAPIDS, MI 49501

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 5, 2047

Tax Assessment & Valuation

Source: Kent County assessment roll, as of September 18, 2026

Property Jurisdictions

Type	Name
State	Michigan
County	Kent County
County Subdivision	Vergennes Township
Unified School District	Lowell Area Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$402,500 (+6.71%)	$805,000 (+6.71%)
2025	$9,210.00 (+20.58%) Homeowner's exemption	$377,200 (+0.59%)	$754,400 (+0.59%)
2023		$375,000	$750,000
2019	$7,638.00

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 January 1, 2026 · 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 Claims	2 (1985–1986)
Most Recent Claim	Sep 1986 · Severe Storms & 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	Indirect within ember reach
Adjoins Burnable Land	Yes

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

Internet Providers

Source: FCC Broadband Data Collection, based on 19 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Point Broadband Fiber	1,000 / 1,000
Spectrum Fiber	1,000 / 1,000

Cell Coverage

5G (outdoors only) and 4G LTE

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