450 E Circle Dr, Muskegon, MI 49445 Property Records

Muskegon County property record for 450 E Circle Dr, Muskegon, MI 49445

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 2,543 sqft · built 1957
Lot Size	0.527 acres (22,956 sqft)
Owner	Individual Name on Record
Last Sale	$256,900 (Aug 2017)
Tax Bill	$7,459 (2025)
Deeds & Mortgages	Aug 2026 Mortgage Feb 2026 Construction Loan + 5 more
Flood Zone	Zone X (minimal risk)
APN	`23304000004400`

Property Details

APN / Parcel Number

Primary APN	`23304000004400`
Alternative APN	`61-23-304-000-0044-00`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	1 Room
Stories	2 Stories
Building Area	2,543 sqft Living Area
1st Floor Area	1,425 sqft
Basement Area	1,064 sqft
Unfinished Basement	1,064 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1957
Effective Year Built	Effective 1957
Exterior Material	Aluminum/Vinyl
Lot Area	22,956 sqft (0.527 acres)
Garage Area	483 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Sewer	Storm Sewer

Location & Zoning

Street Address	450 E CIRCLE DR
City	MUSKEGON
State	MI
Zip	49445-2714
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1-LOW
Legal Description	NORTH MUSKEGON CITY INTERLAKEN NO 1 LOT 44 SUBJ TO UTILITY ESMT L3594/P338
Legal Subdivision	INTERLAKEN
Legal Lot Number	44
Jurisdiction	MUSKEGON MI
Township / Civil Division	NORTH MUSKEGON
Census Block Group	4
Census Block	4001
Census Tract	1500

Owner

Source: Muskegon County records, as of September 15, 2026

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

Owner of Record	Individual Name on Record
Mailing Address	450 E CIRCLE DR, MUSKEGON, MI 49445-2714
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 31, 2026	Deed of Trust, Mortgage · Conventional Mortgage NONE LISTED ON DOCUMENT
Feb 5, 2026	Deed of Trust, Mortgage · Construction Mortgage LAKE MICHIGAN CU
Apr 23, 2024	Intrafamily Transfer, Transfer
Feb 20, 2024	Deed of Trust, Mortgage · Line of Credit LAKE MICHIGAN CU
Aug 4, 2022	Deed of Trust, Mortgage · Conventional Mortgage LAKE MICHIGAN CU
Jun 12, 2020	Deed of Trust, Mortgage · Conventional Mortgage LAKE MI CU
Aug 21, 2017	Warranty Deed, Transfer · Conventional with PMI LAKE MI CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 21, 2017 · Amount on Record
Deed Sale	Aug 21, 2017 · Amount on Record
Prior Sale	Aug 1, 2016 · Amount on Record
Deed Document Number	20175597571
Deed Book / Page	4131 / 785
Last Transfer Date	Apr 22, 2024
Transfer Doc	0004356/19
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MUSKEGON MI
Recording Date	Aug 31, 2026
Property Address	450 E CIRCLE DR, MUSKEGON, MI 49445-2714
Document Number	0005892868
Book / Page	4427 / 366
Instrument Date	Aug 27, 2026
Instrument	20265892868
Transaction Type	Mortgage
Record Updated	Sep 15, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Trust, 212
Address	450 E CIRCLE DR, MUSKEGON, MI 49445-2714

Mortgage

Document Number	0005892868,
Date	Aug 31, 2026
Book Page	4427/366
Instrument	20265892868

Lender

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months

Interest

Max Rate	-1%

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MUSKEGON MI
Property Address	450 E CIRCLE DR, MUSKEGON, MI 49445-2714
Transaction Type	Mortgage
Record Updated	Feb 20, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	450 E CIRCLE DR, MUSKEGON, MI 49445-2714

Mortgage

Document Number	004407/596
Date	Feb 5, 2026
Book Page	4407/596
Instrument	5873120

Lender

Name	LAKE MICHIGAN CU
Type	Credit Union
Address	GRAND RAPIDS, MI 49546

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	373 Months
Due	Mar 1, 2057

Interest

Rate Type	Adjustable Rate
Rate	5.86%
Type Change Date	Mar 1, 2032
Change Frequency	Annually
Min Rate At Change	3.86%
Max Rate At Change	7.86%
Index	1-Year CMT
Max Rate	10.8%

April 2024: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MUSKEGON MI
Recording Date	Apr 23, 2024
Property Address	450 E CIRCLE DR, MUSKEGON, MI 49445-2714
Document Number	0004356/19
Book / Page	4356 / 19
Map Reference	LB 8 PG 60
Instrument Date	Apr 22, 2024
Instrument	5821588
Transaction Type	Transfer
Record Updated	May 8, 2024

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	450 E CIRCLE DR, NORTH MUSKEGON, MI 49445-2714

February 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MUSKEGON MI
Property Address	450 E CIRCLE DR, MUSKEGON, MI 49445-2714
Transaction Type	Mortgage
Record Updated	Mar 4, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	450 E CIRCLE DR, MUSKEGON, MI 49445-2714

Mortgage

Document Number	004348/699
Date	Feb 20, 2024
Book Page	4348/699
Instrument	5814276

Lender

Name	LAKE MICHIGAN CU
Type	Credit Union
Address	GRAND RAPIDS, MI 49512

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Feb 15, 2049

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MUSKEGON MI
Property Address	450 E CIRCLE DR, MUSKEGON, MI 49445-2714
Transaction Type	Mortgage
Record Updated	Aug 12, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	450 E CIRCLE DR, MUSKEGON, MI 49445-2714

Mortgage

Document Number	004307/193
Date	Aug 4, 2022
Book Page	4307/193
Instrument	5772809

Lender

Name	LAKE MICHIGAN CU
Type	Credit Union
Address	GRAND RAPIDS, MI 49512

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Sep 1, 2037

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MUSKEGON MI
Property Address	450 E CIRCLE DR, MUSKEGON, MI 49445-2714
Document Number	0005689565
Instrument Date	Jun 12, 2020
Transaction Type	Mortgage
Record Updated	Aug 5, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	450 E CIRCLE DR MUSKEGON MI 494452714, MUSKEGON, MI 49445-2714

Mortgage

Document Number	0005689565
Date	Jun 22, 2020
Book Page	004223/000866
Instrument	5689565

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jun 21, 2035

August 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MUSKEGON MI
Recording Date	Aug 21, 2017
Property Address	450 E CIRCLE DR, MUSKEGON, MI 49445-2714
Document Number	0005597571
Book / Page	004131 / 000785
Instrument Date	Jul 20, 2017
Instrument	5597571
Transaction Type	Transfer
Record Updated	Jan 10, 2019
Title Company	HBI TITLE SERVICES INC, HBI TITLE SVCS INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,209.34
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	84 S SHERIDAN DR MUSKEGON MI 494421441, MUSKEGON, MI 49442-1441

Mortgage

Document Number	5597572
Date	Aug 21, 2017
Book Page	004131/000786
Instrument	5597572

Lender

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

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Aug 20, 2047

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		$298,500 (+7.18%)	$597,000 (+7.18%)
2025	$7,459.00 (+2.43%) Homeowner's exemption	$278,500 (+40.59%)	$557,000 (+40.59%)
2024	$7,282.00 (+10.55%)
2023		$198,100	$396,200
2022	$6,587.00

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 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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