Oceana County property record for 541 N Spencer Rd, Mears, MI 49436
| Property Type | Single Family Home |
|---|---|
| Lot Size | 0.402 acres (17,548 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $76,900 (Jun 1999) |
| Tax Bill | $2,839 (2025) |
| Deeds & Mortgages | Aug 2021 Mortgage Nov 2020 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 006-602-098-00 |
| Primary APN | 006-602-098-00 |
|---|
| Lot Area | 17,548 sqft (0.402 acres) |
|---|
| Street Address | 541 N SPENCER RD |
|---|---|
| City | MEARS |
| State | MI |
| Zip | 49436-9664 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 541 N SPENCER RD WD9912077 COMB WI 099-00 IN 87 PER LN PLAT OF SANDY VIEW NO 2 LOTS 98 & 99 |
| Legal Subdivision | SANDY VIEW |
| Legal Lot Number | 98-99 |
| Jurisdiction | OCEANA MI |
| Township / Civil Division | GOLDEN |
| Census Block Group | 1 |
| Census Block | 1072 |
| Census Tract | 11000 |
541 N Spencer Rd is owned by two individuals who bought it in June 1999.
Source: Oceana County records, as of October 13, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 10513 STONE QUARRY RD, RIGA, MI 49276-9645 |
| 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.
| Date | Document |
|---|---|
| Aug 16, 2021 | Deed of Trust, Mortgage · Conventional Mortgage TLC COMMUNITY CU |
| Nov 25, 2020 | Warranty Deed, Transfer OCEANA LAND TITLE AGENCY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 17, 1999 · Amount on File |
| Deed Sale | Jun 17, 1999 · Amount on File |
| Deed Book / Page | 991 / 2077 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OCEANA MI |
| Property Address | 541 N SPENCER RD, MEARS, MI 49436-9664 |
| Transaction Type | Mortgage |
| Record Updated | May 1, 2023 |
| Name | Verified Name |
|---|---|
| Address | 10513 STONE QUARRY RD, RIGA, MI 49276-9645 |
| Document Number | 2021/21690 |
|---|---|
| Date | Aug 16, 2021 |
| Book Page | 2021/21690 |
| Instrument | 202100005790 |
| Name | TLC COMMUNITY CU |
|---|---|
| Type | Credit Union |
| Address | ADRIAN, MI 49221 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Sep 1, 2036 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OCEANA MI |
| Recording Date | Nov 25, 2020 |
| Property Address | 541 N SPENCER RD, MEARS, MI 49436-9664 |
| Document Number | 2020/26435 |
| Book / Page | 2020 / 26435 |
| Instrument Date | Nov 25, 2020 |
| Instrument | 202000006884 |
| Transaction Type | Transfer |
| Record Updated | May 1, 2023 |
| Title Company | OCEANA LAND TITLE AGENCY |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 541 N SPENCER RD, MEARS, MI 49436-9664 |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 10513 STONE QUARRY RD, RIGA, MI 49276-9645 |
The 2025 property tax bill for 541 N Spencer Rd was $2,839, up 1.7% from the year before.
Source: Oceana County assessment roll, as of October 13, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Oceana County |
| County Subdivision | Golden Township |
| Unified School District | Hart Public School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $83,300 Land $83,300 | $166,600 Land $166,600 | |
| 2025 | $2,839.00 (+1.68%) Homeowner's exemption | ||
| 2024 | $2,792.00 | ||
| 2023 | $62,500 Land $62,500 | $125,000 (-) Land $125,000 | |
| 2022 | $2,516.00 | $125,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 541 N Spencer Rd in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 1986.
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 Claims | 3 (1986–1997) |
| Most Recent Claim | Sep 1997 · 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 risk around 541 N Spencer 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 | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 44 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Truestream Fiber | 1,000 / 1,000 |
May also be available: Verizon.
5G and 4G LTE (outdoors only)
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