Oceana County property record for 4780 E M 20, Hesperia, MI 49421
| Property Type | Single Family Home |
|---|---|
| Lot Size | 25.6 acres (1,118,185 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $851 (2025) |
| Deeds & Mortgages | Sep 2026 Line of Credit Mar 2020 Transfer |
| Flood Zone | Zone X (minimal risk) |
| APN | 013-025-400-03 |
| Primary APN | 013-025-400-03 |
|---|
| Lot Area | 1,118,185 sqft (25.6 acres) |
|---|
| Street Address | 4780 E M 20 |
|---|---|
| City | HESPERIA |
| State | MI |
| Zip | 49421-9049 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SEC 25 T14N R16W -25.67 A M/L- E 1046 FT OF SE 1/4 OF SE 1/4 EXC ROW TO STATE HWY DEPT & EXC COM 376 FT W OF SE COR; TH N 325 |
| Legal Range | 16W |
| Legal Township | 14N |
| Legal Section | 25 |
| Jurisdiction | OCEANA MI |
| Township / Civil Division | FERRY |
| Census Block Group | 3 |
| Census Block | 3156 |
| Census Tract | 10600 |
4780 E M 20 is owned and occupied by an individual who acquired it in March 2020.
Source: Oceana County records, as of October 13, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 4780 E M 20, HESPERIA, MI 49421-9049 |
| 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.
| Date | Document |
|---|---|
| Sep 18, 2026 | Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC |
| Mar 23, 2020 | Intrafamily Transfer, Transfer |
| Deed Names | Name on Deed |
|---|---|
| Last Transfer Date | Mar 13, 2020 |
| Transfer Doc | 02020/4899 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OCEANA MI |
| Recording Date | Sep 18, 2026 |
| Property Address | 4780 E M 20, HESPERIA, MI 49421-9049 |
| Document Number | 0000005475 |
| Book / Page | 2026 / 21350 |
| Instrument Date | Sep 13, 2026 |
| Instrument | 20265475 |
| Transaction Type | Mortgage |
| Record Updated | Oct 19, 2026 |
| Title Company | TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SERVICES |
| Name | Verified Name |
|---|---|
| Address | 4780 E M 20, HESPERIA, MI 49421-9049 |
| Document Number | 0000005475, |
|---|---|
| Date | Sep 18, 2026 |
| Book Page | 2026/21350 |
| Instrument | 20265475 |
| Name | FIGURE LENDING LLC |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Oct 8, 2036 |
| Max Rate | -1% |
|---|
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | OCEANA MI |
| Recording Date | Mar 23, 2020 |
| Property Address | 4780 E M 20, HESPERIA, MI 49421-9085 |
| Document Number | 02020/4899 |
| Book / Page | 2020 / 4899 |
| Instrument Date | Mar 13, 2020 |
| Instrument | 202000001336 |
| Transaction Type | Transfer |
| Record Updated | Aug 17, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2070 E PIERCE RD, SHELBY, MI 49455-8910 |
| Name | Verified Name |
|---|---|
| Address | 4780 W HAYES RD, SHELBY, MI 49455 |
The 2025 property tax bill for 4780 E M 20 was $851 with a homeowner's exemption, up 2.2% from the year before.
Source: Oceana County assessment roll, as of October 13, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Oceana County |
| County Subdivision | Ferry Township |
| Unified School District | Shelby Public Schools (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $70,000 (+15.89%) Land $70,000 | $140,000 (+15.89%) Land $140,000 | |
| 2025 | $851.00 (+2.16%) Homeowner's exemption | $60,400 Land $60,400 | $120,800 Land $120,800 |
| 2024 | $833.00 | ||
| 2023 | $47,000 Land $47,000 | $94,000 (-) Land $94,000 | |
| 2022 | $714.00 | $94,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 4780 E M 20 in Zone X, an area of minimal flood risk.
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 |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 1 in force |
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 risk around 4780 E M 20 is low, with a 0.02% 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 | 0.02% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 6 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Fiber | 1,000 / 1,000 |
5G (outdoors only) and 4G LTE
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