4641 N Ridge Rd, Mears, MI 49436 Property Records

Oceana County property record for 4641 N Ridge Rd, Mears, MI 49436

Property Summary

Property Type	Single Family Home
Lot Size	1.23 acres (53,670 sqft)
Owner	Company Name on Record
Tax Bill	$11,213 (2024)
Deeds & Mortgages	Dec 2025 Line of Credit May 2017 Sale
Flood Zone	Zone X (minimal risk)
APN	`006-370-004-00`

Property Details

APN / Parcel Number

Primary APN	`006-370-004-00`

Exterior

Lot Area	53,670 sqft (1.23 acres)

Location & Zoning

Street Address	4641 N RIDGE RD
City	MEARS
State	MI
Zip	49436-9313
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	IROQUOIS PARK LOT 4 & S 1/2 OF LOT 3. 4641 N RIDGE RD WD 2017/10008 WD 2017/9048 WD894545 WD-L2009P14773 SPL FR 001-00 IN 90
Legal Subdivision	IROQUOIS PARK
Legal Lot Number	4
Jurisdiction	OCEANA MI
Township / Civil Division	GOLDEN
Census Block Group	2
Census Block	2012
Census Tract	11000

Owner

Source: Oceana County records, as of August 18, 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	492 TARLETON AVE, EAST LANSING, MI 48823-1456
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Dec 19, 2025	Deed of Trust, Mortgage · Line of Credit MICHIGAN STATE UNIVERSITY FCU
May 11, 2017	Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Sep 20, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OCEANA MI
Property Address	4641 N RIDGE RD, MEARS, MI 49436-9313
Transaction Type	Mortgage
Record Updated	Mar 25, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	492 TARLETON AVE, EAST LANSING, MI 48823-1456

Mortgage

Document Number	2025/25553
Date	Dec 19, 2025
Book Page	2025/25553
Instrument	202500006560

Lender

Name	MICHIGAN STATE UNIVERSITY FCU
Type	Credit Union
Address	EAST LANSING, MI 48823

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Dec 18, 2050

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OCEANA MI
Recording Date	May 11, 2017
Property Address	4641 N RIDGE RD, MEARS, MI 49436-9313
Document Number	2017/009048
Book / Page	2017 / 009048
Instrument Date	May 8, 2017
Instrument	201700003060
Transaction Type	Transfer
Record Updated	May 11, 2021
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	492 TARLETON AVE, 492, EAST LANSING, MI 48823-1456

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	492 TARLETON AVE, EAST LANSING, MI 48823-1456

Tax Assessment & Valuation

Source: Oceana County assessment roll, as of July 17, 2025

Property Jurisdictions

Type	Name
State	Michigan
County	Oceana County
County Subdivision	Golden Township
Unified School District	Hart Public School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$489,000 (+39.12%)	$978,000 (+39.12%)
2024	$11,213.00 (+10.95%)
2023		$351,500 Land $351,500	$703,000 (-) Land $703,000
2022	$10,106.00		$703,000

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 August 23, 2021 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	7 in force
Nearby Flood Claims	6 (1979–2021)
Claims Outside the SFHA	1 of 6
Most Recent Claim	Jul 2021 · rainfall accumulation

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 46 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Truestream Fiber	1,000 / 1,000
Spectrum Cable	1,000 / 50

Cell Coverage

4G LTE (outdoors only), no 5G reported

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