481 Oak St, Crystal, MI 48818 Property Records

Montcalm County property record for 481 Oak St, Crystal, MI 48818

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,192 sqft · built 1982
Lot Size	2.35 acres (102,714 sqft)
Owner	2 Individual Names on Record
Last Sale	$112,000 (Oct 2000)
Tax Bill	$1,527 (2025)
Deeds & Mortgages	Mar 2022 Refinance
APN	`005-009-020-10`

Property Details

APN / Parcel Number

Primary APN	`005-009-020-10`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Building Area	1,192 sqft Building Perimeter
1st Floor Area	1,192 sqft
Basement Area	1,192 sqft
Unfinished Basement	1,192 sqft

Exterior

Year Built	Built 1982
Effective Year Built	Effective 1982
Lot Area	102,714 sqft (2.35 acres)
Garage Area	676 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	481 OAK ST
City	CRYSTAL
State	MI
Zip	48818-9514
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	COM 49 RDS N OF SE COR OF SW 1/4 OF SW 1/4, TH N 304.05 FT, W 340 FT, S 304.05 FT, E 340 FT TO POB, EXCEPT N 5.13 FT M/L OF E
Legal Range	05W
Legal Township	10N
Legal Section	09
Jurisdiction	MONTCALM MI
Township / Civil Division	CRYSTAL
Census Block Group	2
Census Block	2008
Census Tract	970900

Owner

Source: Montcalm County records, as of July 6, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	481 OAK ST, CRYSTAL, MI 48818-9514
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 3, 2000 · Amount on Record
Deed Sale	Oct 3, 2000 · Amount on Record
Prior Sale	Jul 25, 1995 · Amount on Record
Deed Book / Page	923 / 1002
Record Updated	Sep 20, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTCALM MI
Property Address	481 OAK ST, CRYSTAL, MI 48818-9514
Transaction Type	Mortgage
Record Updated	May 31, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2022R02526
Date	Mar 3, 2022
Instrument	2022R-02526

Lender

Name	MMS MORTGAGE SERVICES LTD

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	181 Months
Due	Apr 1, 2037

Tax Assessment & Valuation

Source: Montcalm County assessment roll, as of July 6, 2026

Property Jurisdictions

Type	Name
State	Michigan
County	Montcalm County
County Subdivision	Crystal Township
Unified School District	Carson City-Crystal Area School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$94,700 (+3.38%)	$189,400 (+3.38%)
2025	$1,527.00 (+2.21%)	$91,600 (+15.08%)	$183,200 (+130.15%)
2024	$1,494.00
2023		$79,600	$79,600

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

FEMA Flood Zone	Not on file
Nearby Flood Claims	2 (1983)
Most Recent Claim	Aug 1983 · tidal / storm surge

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 96% of the US · lower than 91% of Michigan
Wildfire Likelihood	Under 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 140 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
CMS Internet Fiber · Fixed Wireless	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
Point Broadband Fixed Wireless	100 / 20