4538 E Sternberg Rd, Fruitport, MI 49415 Property Records

Muskegon County property record for 4538 E Sternberg Rd, Fruitport, MI 49415

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 720 sqft · built 1950
Lot Size	4.75 acres (206,910 sqft)
Owner	Individual Name on File
Tax Bill	$1,262 (2025)
Deeds & Mortgages	Jun 2026 Line of Credit Sep 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`15019200002100`

Property Details

APN / Parcel Number

Primary APN	`15019200002100`
Alternative APN	`61-15-019-200-0021-00`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	2 Rooms
Stories	1 Story
Building Area	720 sqft Living Area
1st Floor Area	720 sqft
Basement Area	720 sqft
Unfinished Basement	720 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1950
Exterior Material	Aluminum/Vinyl
Lot Area	206,910 sqft (4.75 acres)
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	4538 E STERNBERG RD
City	FRUITPORT
State	MI
Zip	49415-9743
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-4
Legal Description	FRUITPORT CHARTER TOWNSHIP SEC 19 T9N R15W E 1/2 OF SE 1/4 OF SW 1/4 OF NE 1/4 5 AC SUBJ TO RD ROW OVER S 33 FT
Legal Range	15W
Legal Township	9N
Legal Section	19
Jurisdiction	MUSKEGON MI
Township / Civil Division	FRUITPORT
Census Block Group	2
Census Block	2004
Census Tract	2800

Owner

4538 E Sternberg Rd is owned and occupied by an individual who acquired it in August 2019.

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

Owner of Record	Individual Name on File
Mailing Address	4538 E STERNBERG RD, FRUITPORT, MI 49415-9743
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jun 17, 2026	Deed of Trust, Mortgage · Line of Credit FAMILY FINANCIAL CREDIT UNION
Sep 5, 2019	Intrafamily Transfer, Transfer · Conventional Mortgage MEMBER FIRST MORTGAGE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Aug 23, 2019
Transfer Doc	0005664720
Record Updated	Sep 20, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MUSKEGON MI
Recording Date	Jun 17, 2026
Property Address	4538 E STERNBERG RD, FRUITPORT, MI 49415-9743
Document Number	0005886633
Book / Page	4421 / 124
Instrument Date	Jun 12, 2026
Instrument	20265886633
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4538 E STERNBERG RD, FRUITPORT, MI 49415-9743

Mortgage

Document Number	0005886633,
Date	Jun 17, 2026
Book Page	4421/124
Instrument	20265886633

Lender

Name	FAMILY FINANCIAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Jun 28, 2056

Interest

Rate Type	Adjustable Rate
Rate	6.36%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

September 2019: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MUSKEGON MI
Recording Date	Sep 5, 2019
Property Address	4538 E STERNBERG RD, FRUITPORT, MI 49415-9743
Document Number	004198/996
Book / Page	4198 / 996
Instrument Date	Aug 23, 2019
Instrument	5664720
Transaction Type	Transfer
Record Updated	May 3, 2022
Title Company	TRANSNATION TITLE AGENCY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3257 PINEBROOK ST, 3257, MUSKEGON, MI 49444-3582

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4538 E STERBERG RD, FRUITPORT, MI 49415-9743

Mortgage

Document Number	0004198997
Date	Sep 5, 2019
Instrument	4198/997

Lender

Name	MEMBER FIRST MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 4538 E Sternberg Rd was $1,262 with a homeowner's exemption.

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

Property Jurisdictions

Type	Name
State	Michigan
County	Muskegon County
County Subdivision	Fruitport Charter Township
Unified School District	Fruitport Community Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$100,400 (+10.57%)	$200,800 (+10.57%)
2025	$1,262.00 Homeowner's exemption	$90,800	$181,600

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

Flood

FEMA maps place 4538 E Sternberg Rd in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective October 6, 2021

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.

Wildfire

Wildfire risk around 4538 E Sternberg Rd is low, with a 0.01% annual chance of 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 21 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Starlink Satellite	280 / 30

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on E Sternberg Rd

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