Monroe County property record for 4530 Smith Rd, Ottawa Lake, MI 49267
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,298 sqft · built 1974 |
| Lot Size | 1.37 acres (59,677 sqft) |
| Owner | Company Name on Record |
| Last Sale | $146,500 (Aug 2000) |
| Tax Bill | $2,588 (2025) |
| Deeds & Mortgages | Apr 2024 Transfer Aug 2018 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 15-036-038-10 |
| Primary APN | 15-036-038-10 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,298 sqft Living Area |
| 1st Floor Area | 1,298 sqft |
| Basement Area | 1,298 sqft |
| Year Built | Built 1974 |
|---|---|
| Effective Year Built | Effective 1974 |
| Exterior Material | Combination |
| Lot Area | 59,677 sqft (1.37 acres) |
| Garage Area | 546 sqft |
| Parking Spaces | 2 Parking Spaces |
| Deck Area | 48 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Septic |
| Water Source | Well |
| Street Address | 4530 SMITH RD |
|---|---|
| City | OTTAWA LAKE |
| State | MI |
| Zip | 49267-8609 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RB |
| Legal Description | 998-372 SEC 36 T8S R6E 1.37 AC COM AT SE COR OF SW 1/4 OF SE 1/4 TH W ALG S LI OF SD SEC 820 FT TO POB TH N & AT RT ANGS TO |
| Legal Range | 06E |
| Legal Township | 08S |
| Legal Section | 36 |
| Jurisdiction | MONROE MI |
| Township / Civil Division | WHITEFORD |
| Census Block Group | 4 |
| Census Block | 4013 |
| Census Tract | 833000 |
Source: Monroe County records, as of September 3, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Company Name on Record |
|---|---|
| Mailing Address | 4530 SMITH RD, OTTAWA LAKE, MI 49267-8609 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Life Estate |
| Date | Document |
|---|---|
| Apr 16, 2024 | Intrafamily Transfer, Transfer |
| Aug 27, 2018 | Deed of Trust, Mortgage · Conventional Mortgage DFCU FINANCIAL |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 7, 2000 · Amount on Record |
| Deed Sale | Aug 7, 2000 · Amount on Record |
| Last Transfer Date | Apr 12, 2024 |
| Transfer Doc | 0000005701 |
| Record Updated | Oct 29, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | MONROE MI |
| Recording Date | Apr 16, 2024 |
| Property Address | 4530 SMITH RD, OTTAWA LAKE, MI 49267-8609 |
| Document Number | 0000005701 |
| Instrument Date | Apr 12, 2024 |
| Instrument | 2024R05701 |
| Transaction Type | Transfer |
| Record Updated | May 21, 2024 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 4530 SMITH RD, OTTAWA LAKE, MI 49267-8609 |
| Name | Verified Name |
|---|---|
| Address | 4530 SMITH RD, OTTAWA LAKE, MI 49267-8609 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE MI |
| Property Address | 4530 SMITH RD, OTTAWA LAKE, MI 49267-8609 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000015160 |
|---|---|
| Date | Aug 27, 2018 |
| Instrument | 2018R15160 |
| Name | DFCU FINANCIAL |
|---|---|
| Type | Funding / Finance Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Aug 30, 2033 |
| Rate Type | Fixed Rate |
|---|
Source: Monroe County assessment roll, as of September 3, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Monroe County |
| County Subdivision | Whiteford Township |
| Unified School District | Whiteford Agricultural School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $122,900 (+28.29%) Land $122,900 | $245,800 (+28.29%) Land $245,800 | |
| 2025 | $2,588.00 (+9.38%) Homeowner's exemption | ||
| 2023 | $2,366.00 Homeowner's exemption | $95,800 | $191,600 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective September 8, 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 94% of the US · lower than 87% of Michigan |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | BEDFORD MEADOWS private · serves 156 people · EPA ID MI0006435 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jun 2025 |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 1 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.
Source: FCC Broadband Data Collection, based on 46 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Frontier Fiber | 2,500 / 2,500 |
| Buckeye Cablesystem Cable | 1,000 / 20 |
| Verizon Fixed Wireless | 300 / 20 |
5G (outdoors only) and 4G LTE
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