4811 Cole Rd, Fenwick, MI 48834 Property Records

Montcalm County property record for 4811 Cole Rd, Fenwick, MI 48834

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,280 sqft
Lot Size	1.17 acres (51,227 sqft)
Owner	Individual Name on File
Tax Bill	$873 (2025)
Deeds & Mortgages	Aug 2007 Mortgage Oct 2010 Mortgage + 2 more
APN	`003-035-002-21`

Property Details

APN / Parcel Number

Primary APN	`003-035-002-21`

Interior

Full Baths	2 Baths
Building Area	1,280 sqft Building Perimeter
1st Floor Area	1,280 sqft

Exterior

Architectural Style	Mobile Home
Lot Area	51,227 sqft (1.17 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	4811 COLE RD
City	FENWICK
State	MI
Zip	48834-9739
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PART OF THE W 1/2 OF THE NE 1/4 OF THE NE 1/4 OF SEC 35; DESC AS BEG ON THE S LINE OF THE NE 1/4 OF THE NE 1/4 OF SD SEC, S 0
Legal Range	06W
Legal Township	09N
Legal Section	35
Jurisdiction	MONTCALM MI
Township / Civil Division	BUSHNELL
Census Block Group	1
Census Block	1046
Census Tract	971000

Owner

4811 Cole Rd is owned and occupied by an individual who acquired it in October 2006.

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

Owner of Record	Individual Name on File
Mailing Address	4811 COLE RD, FENWICK, MI 48834-9739
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
Aug 3, 2007	Deed of Trust, Mortgage INDEPENDENT BANK WEST MICHIGAN
Oct 22, 2010	Deed of Trust, Mortgage INDEPENDENT MORTGAGE CO
Jan 25, 2021	Personal Representative Deed, Transfer
Oct 16, 2006	Intrafamily Transfer, Transfer · ARM INDEPENDENT MORTGAGE CO WEST MICHIG

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Oct 9, 2006
Transfer Doc	1329/1197
Record Updated	Sep 20, 2026

August 2007: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTCALM MI
Property Address	4811 COLE RD, FENWICK, MI 48834-9739
Transaction Type	Mortgage
Record Updated	Jun 8, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	01372/0159
Date	Aug 3, 2007
Book Page	1372/0159

Lender

Name	INDEPENDENT BANK WEST MICHIGAN
Type	Bank
Address	BELDING, MI 48809

Agreement

Amount	Amount on Record
Term	84 Months
Due	Aug 15, 2014

October 2010: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTCALM MI
Property Address	4811 COLE RD, FENWICK, MI 48834-9739
Transaction Type	Mortgage
Record Updated	Jun 8, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	01491/0852
Date	Oct 22, 2010
Book Page	1491/0852

Lender

Name	INDEPENDENT MORTGAGE CO
Type	Mortgage Company

Agreement

Amount	Amount on Record
Term	325 Months
Due	Nov 1, 2037

Interest

Rate Type	Adjustable Rate
Adjustable	Adjustable Rate Rider

January 2021: Personal Representative Deed, Transfer

Document Type	Personal Representative Deed
Jurisdiction	MONTCALM MI
Recording Date	Jan 25, 2021
Property Address	4811 COLE RD, FENWICK, MI 48834-9739
Document Number	2021R01074
Instrument Date	Jan 6, 2021
Instrument	2021R01074
Transaction Type	Transfer
Record Updated	Jun 28, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4811 COLE RD, FENWICK, MI 48834-9739

October 2006: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MONTCALM MI
Recording Date	Oct 16, 2006
Property Address	4811 COLE RD, FENWICK, MI 48834-9739
Document Number	01329/1197
Book / Page	1329 / 1197
Instrument Date	Oct 9, 2006
Transaction Type	Transfer
Record Updated	Jun 8, 2026
Title Company	INDEPENDENT TITLE, INDEPENDENT TITLE SVCS INC

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4811 COLE RD, FENWICK, MI 48834-9739

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	4811 COLE RD, FENWICK, MI 48834-9739

Mortgage

Document Number	0013291199
Date	Oct 16, 2006
Instrument	1329/1199

Lender

Name	INDEPENDENT MORTGAGE CO WEST MICHIG
Type	Mortgage Company

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2036

Interest

Rate Type	Adjustable Rate
Rate	10.1%
Change Frequency	Annually
Min Rate At Change	4.12%
Max Rate At Change	16.1%
Index	1-Year LIBOR

Tax Assessment & Valuation

The 2025 property tax bill for 4811 Cole Rd was $873, up 2.9% from the year before.

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

Property Jurisdictions

Type	Name
State	Michigan
County	Montcalm County
County Subdivision	Bushnell 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		$44,700 (+14.91%)	$89,400 (+14.91%)
2025	$873.00 (+2.95%)	$38,900	$77,800
2024	$848.00
2023		$27,500	$27,500

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

Flood

FEMA has no flood map on file for 4811 Cole Rd.

Source: FEMA National Flood Hazard Layer

FEMA Flood Zone	Not on file

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 4811 Cole 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 10 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Point Broadband Fixed Wireless	100 / 20

May also be available: CMS Internet, Frontier, Verizon.

Cell Coverage

5G and 4G LTE (outdoors only)

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