Oceana County property record for 4850 E M 20, Hesperia, MI 49421
| Property Type | Single Family Home |
|---|---|
| Lot Size | 33 acres (1,437,480 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $1,888 (2025) |
| Deeds & Mortgages | Jul 2026 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 014-030-300-01 |
| Primary APN | 014-030-300-01 |
|---|
| Lot Area | 1,437,480 sqft (33 acres) |
|---|
| Street Address | 4850 E M 20 |
|---|---|
| City | HESPERIA |
| State | MI |
| Zip | 49421 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 4850 & 4820 E M-20 N30-8 741774 SEC 30 T14N R15W. 33 A W 1/4 OF SW 1/4 EXC TH PRT OF S 1/2 LYG E OF N & S DRAINAGE CREEK |
| Legal Range | 15W |
| Legal Township | 14N |
| Legal Section | 30 |
| Legal Subdivision | DRAINAGE CREEK |
| Jurisdiction | OCEANA MI |
| Township / Civil Division | NEWFIELD |
| Census Block Group | 3 |
| Census Block | 3155 |
| Census Tract | 10600 |
Source: Oceana County records, as of October 13, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 4820 E M 20, HESPERIA, MI 49421-9085 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | Oct 18, 2011 |
| Transfer Doc | 2011/019998 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OCEANA MI |
| Recording Date | Jul 13, 2026 |
| Property Address | 4850 E M 20, HESPERIA, MI 49421-9085 |
| Document Number | 0000004102 |
| Book / Page | 2026 / 15270 |
| Instrument Date | Jul 2, 2026 |
| Instrument | 20264102 |
| Transaction Type | Mortgage |
| Record Updated | Aug 17, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety, 298 |
| Document Number | 0000004102, |
|---|---|
| Date | Jul 13, 2026 |
| Book Page | 2026/15270 |
| Instrument | 20264102 |
| Name | HARBORLIGHT CREDIT UNION |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.48% |
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
Source: Oceana County assessment roll, as of October 13, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Oceana County |
| County Subdivision | Newfield Township |
| Unified School District | Shelby Public Schools (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $157,300 (+21.75%) Land $157,300 | $314,600 (+21.75%) Land $314,600 | |
| 2025 | $1,888.00 (+2.22%) Homeowner's exemption | $129,200 (+11.09%) Land $129,200 | $258,400 (+11.09%) Land $258,400 |
| 2024 | $1,847.00 (+10.27%) | ||
| 2023 | $116,300 Land $116,300 | $232,600 (-) Land $232,600 | |
| 2022 | $1,675.00 | $232,600 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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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