4800 N Ridge Rd, Mears, MI 49436 Property Records

Oceana County property record for 4800 N Ridge Rd, Mears, MI 49436

Property Summary

Property Type	Single Family Home
Lot Size	0.719 acres (31,323 sqft)
Owner	2 Individual Names on File
Last Sale	$38,500 (Jun 2005)
Tax Bill	$4,320 (2025)
Deeds & Mortgages	Oct 2020 Mortgage Oct 2019 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`006-406-008-10`

Property Details

APN / Parcel Number

Primary APN	`006-406-008-10`

Exterior

Lot Area	31,323 sqft

Location & Zoning

Street Address	4800 N RIDGE RD
City	MEARS
State	MI
Zip	49436-9377
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LAKE MICHIGAN SHORES LOTS 6,7,8,9 & 10 BLK 6. GOLDEN TOWNSHIP, OCEANA COUNTY, MICHIGAN. COMBINED ON 06/18/2018 FROM 006-406-0
Legal Subdivision	LAKE MICHIGAN SHORES
Legal Block	6
Legal Lot Number	6-10
Jurisdiction	OCEANA MI
Township / Civil Division	GOLDEN
Census Block Group	2
Census Block	2025
Census Tract	11000

Owner

4800 N Ridge Rd is owned and occupied by two individuals who bought it in June 2005.

Source: Oceana County records, as of October 13, 2026

Owner of Record	2 Individual Names on File
Mailing Address	PO BOX 91, MEARS, MI 49436-0091
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
Oct 12, 2020	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC
Oct 31, 2019	Deed of Trust, Mortgage · Line of Credit JPMORGAN CHASE BANK NA
Sep 23, 2019	Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 27, 2005 · Amount on File
Deed Sale	Jun 27, 2005 · Amount on File
Deed Book / Page	2005 / 18156
Record Updated	Oct 29, 2026

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OCEANA MI
Property Address	4800 N RIDGE RD, MEARS, MI 49436
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2020/21968
Date	Oct 12, 2020
Book Page	2020/21968
Instrument	202000005818

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2050

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OCEANA MI
Property Address	4800 N RIDGE RD, MEARS, MI 49436
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2019/020049
Date	Oct 31, 2019
Book Page	2019/020049
Instrument	201900005953

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2049

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OCEANA MI
Property Address	4800 N RIDGE RD, MEARS, MI 49436
Transaction Type	Mortgage
Record Updated	Oct 23, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2019/016934
Date	Sep 23, 2019
Book Page	2019/016934
Instrument	201900005188

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

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

Tax Assessment & Valuation

The 2025 property tax bill for 4800 N Ridge Rd was $4,320 with a homeowner's exemption, up 173.9% from the year before.

Source: Oceana County assessment roll, as of October 13, 2026

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		$125,700 Land $125,700	$251,400 Land $251,400
2025	$4,320.00 (+173.94%)
2024	$1,577.00
2023		$40,900 Land $40,900	$81,800 (-) Land $81,800
2022	$1,421.00		$81,800

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

Flood

FEMA maps place 4800 N Ridge Rd in Zone X, an area of minimal flood risk, though there have been 6 flood claims nearby since 1979.

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	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

Wildfire risk around 4800 N Ridge 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 59 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Starlink Satellite	280 / 30

May also be available: Truestream.

Cell Coverage

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

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