Kent County property record for 527 E Gardner St, Sparta, MI 49345 · Last verified August 2026
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,452 sqft · built 1956 |
| Lot Size | 1.44 acres (62,726 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $3,724 (2025) |
| Deeds & Mortgages | Oct 2021 Line of Credit Mar 2018 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 41-05-23-202-016 |
| Primary APN | 41-05-23-202-016 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Building Area | 1,452 sqft Living Area |
| 1st Floor Area | 1,260 sqft |
| Basement Area | 1,260 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1956 |
|---|---|
| Effective Year Built | Effective 1956 |
| Architectural Style | Ranch |
| Lot Area | 62,726 sqft (1.44 acres) |
| Lot Width | 132 ft Width |
| Parking Spaces | 2 Parking Spaces |
| Total Buildings | 2 Buildings |
| Heating System | Hot Water |
|---|
| Street Address | 527 E GARDNER ST |
|---|---|
| City | SPARTA |
| State | MI |
| Zip | 49345-1402 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | E 132 FT OF LOT 14 ALSO LOTS 15 TO 20 INCL * C A JOHNSON'S SUBURBAN ADD |
| Legal Subdivision | INCL C A JOHNSONS SUBURBAN ADD |
| Legal Lot Number | 14-20 |
| Jurisdiction | KENT MI |
| Township / Civil Division | SPARTA |
| Census Block Group | 2 |
| Census Block | 2001 |
| Census Tract | 10402 |
Source: Kent County records · APN 41-05-23-202-016
Assessment roll updated June 13, 2025 · Last verified August 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 File |
|---|---|
| Mailing Address | 527 E GARDNER ST, SPARTA, MI 49345-1402 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Life Estate |
| Date | Document |
|---|---|
| Oct 18, 2021 | Deed of Trust, Mortgage · Line of Credit FLAGSTAR BANK FSB |
| Mar 23, 2018 | Deed of Trust, Mortgage · Commercial Mortgage JPMORGAN CHASE BANK NA |
| May 17, 2018 | Deed of Trust, Mortgage · Line of Credit FLAGSTAR BANK FSB |
| Aug 18, 2020 | Deed of Trust, Mortgage · Conventional Mortgage FLAGSTAR BANK FSB |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Transfer Date | Aug 26, 2024 |
| Transfer Doc | 0000047516 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENT MI |
| Property Address | 527 E GARDNER ST, SPARTA, MI 49345-1402 |
| Transaction Type | Mortgage |
| Record Updated | Nov 22, 2021 |
| Title Company | E-CHICAGO TITLE, CHICAGO TITLE |
| Name | Verified Name |
|---|---|
| Address | 527 E GARDNER ST, SPARTA, MI 49345-1402 |
| Document Number | 0000113702 |
|---|---|
| Date | Oct 18, 2021 |
| Instrument | 20211018-0113702 |
| Name | FLAGSTAR BANK FSB |
|---|---|
| Type | Bank |
| Address | TROY, MI 48098 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Sep 01, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENT MI |
| Property Address | 527 E GARDNER ST, SPARTA, MI 49345-1402 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000023108 |
|---|---|
| Date | Mar 23, 2018 |
| Instrument | 20180323-0023108 |
| Name | JPMORGAN CHASE BANK NA |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43240 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 01, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENT MI |
| Property Address | 527 E GARDNER ST, SPARTA, MI 49345-1402 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000038175 |
|---|---|
| Date | May 17, 2018 |
| Instrument | 20180517-0038175 |
| Name | FLAGSTAR BANK FSB |
|---|---|
| Type | Bank |
| Address | TROY, MI 48098 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 01, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENT MI |
| Property Address | 527 E GARDNER ST, SPARTA, MI 49345-1402 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000074044 |
|---|---|
| Date | Aug 18, 2020 |
| Instrument | 20200818-0074044 |
| Name | FLAGSTAR BANK FSB |
|---|---|
| Type | Bank |
| Address | TROY, MI 48098 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Sep 01, 2040 |
Source: Kent County records · Assessment roll updated June 13, 2025 · Last verified August 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Kent County |
| County Subdivision | Sparta Township |
| Municipality | Sparta Village |
| Unified School District | Sparta Area Schools (KG - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,724.00 (+65.22%) Homeowner's exemption | $189,300 (+19.81%) | $378,600 (+19.81%) |
| 2023 | $158,000 | $316,000 | |
| 2019 | $2,254.00 |
Source: FEMA National Flood Hazard Layer, Kent County (26081C), updated January 1, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Wildfire Risk | Low above 20% of the US · above 52% of Michigan |
|---|---|
| Wildfire Likelihood | About 1 in 10,000 per year |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
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