545 North St, Lowell, MI 49331 Property Records

Kent County property record for 545 North St, Lowell, MI 49331

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,744 sqft · built 2001
Lot Size	0.284 acres (12,371 sqft)
Owner	2 Individual Names on File
Last Sale	$195,000 (May 2018)
Tax Bill	$4,428 (2025)
Deeds & Mortgages	Jan 2018 Line of Credit Aug 2020 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`41-20-02-277-007`

Property Details

APN / Parcel Number

Primary APN	`41-20-02-277-007`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,744 sqft Living Area

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Architectural Style	Bi-Level
Lot Area	12,371 sqft (0.284 acres)
Lot Dimensions	132 ft deep x 66 ft wide
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	545 NORTH ST
City	LOWELL
State	MI
Zip	49331-1173
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	LOT 4 BLK 35 ALSO E 14 FT OF LOT 5 BLK 35 * AVERY'S PLAT
Legal Subdivision	AVERY'S PLAT
Legal Block	35
Legal Lot Number	4-5
Jurisdiction	KENT MI
Township / Civil Division	LOWELL
Census Block Group	3
Census Block	3012
Census Tract	12004

Owner

545 North St is owned and occupied by two individuals who acquired it in July 2020.

Source: Kent County records, as of September 18, 2026

Owner of Record	2 Individual Names on File
Mailing Address	545 NORTH ST, LOWELL, MI 49331-1173
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
Jan 3, 2018	Deed of Trust, Mortgage · Line of Credit THE HUNTINGTON NATIONAL BANK
Aug 4, 2020	Intrafamily Transfer, Transfer · Conventional Mortgage THE HUNTINGTON NATIONAL BANK
May 24, 2018	Warranty Deed, Transfer · Conventional Mortgage FINANCE OF AMERICA MORTGAGE LLC
May 24, 2018	Warranty Deed, Transfer ATTORNEY ONLY
May 24, 2018	Quit Claim Deed, Transfer Quitclaim
Apr 17, 2018	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 24, 2018 · Amount on File
Deed Sale	May 24, 2018 · Amount on File
Prior Sale	Dec 30, 2010 · Amount on File
Deed Document Number	201840143
Last Transfer Date	Jul 18, 2020
Transfer Doc	0000068495
Record Updated	Oct 29, 2026

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENT MI
Property Address	545 NORTH ST, LOWELL, MI 49331-1173
Transaction Type	Mortgage
Record Updated	Aug 12, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000000636
Date	Jan 3, 2018
Instrument	20180103-0000636

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank
Address	COLUMBUS, OH 43231

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	359 Months
Due	Dec 12, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	KENT MI
Recording Date	Aug 4, 2020
Property Address	545 NORTH ST, LOWELL, MI 49331-1173
Document Number	0000068495
Map Reference	LB 2 PG 55
Instrument Date	Jul 18, 2020
Instrument	20200804-0068495
Transaction Type	Transfer
Record Updated	Aug 12, 2022
Title Company	HBI TITLE SERVICES INC

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	545 NORTH ST, 545, LOWELL, MI 49331-1173

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	545 NORTH ST, LOWELL, MI 49331-1173

Mortgage

Document Number	0000068496
Date	Aug 4, 2020
Instrument	20200804-0068496

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2050

May 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENT MI
Recording Date	May 24, 2018
Property Address	545 NORTH ST, LOWELL, MI 49331-1173
Document Number	0000040143
Map Reference	LB2 PG55
Instrument Date	May 18, 2018
Instrument	20180524-0040143
Transaction Type	Transfer
Record Updated	Aug 12, 2022
Title Company	STAR TITLE AGENCY LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,677.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	545 NORTH ST, LOWELL, MI 49331-1173

Mortgage

Document Number	0000040144
Date	May 24, 2018
Instrument	20180524-0040144

Lender

Name	FINANCE OF AMERICA MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2048

May 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENT MI
Recording Date	May 24, 2018
Property Address	545 NORTH ST, LOWELL, MI 49331-1173
Document Number	0000040142
Instrument Date	May 3, 2018
Instrument	40142
Transaction Type	Transfer
Record Updated	Jun 14, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	545 NORTH ST LOWELL MI 493311173, LOWELL, MI 49331-1173

May 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	KENT MI
Recording Date	May 24, 2018
Property Address	545 NORTH ST, LOWELL, MI 49331-1173
Document Number	0000040141
Instrument Date	May 2, 2018
Instrument	40141
Transaction Type	Transfer
Record Updated	Jun 14, 2018

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	PO BOX 68770 GRAND RAPIDS MI 495168770, GRAND RAPIDS, MI 49516-8770

April 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	KENT MI
Recording Date	Apr 17, 2018
Property Address	545 NORTH ST, LOWELL, MI 49331-1173
Document Number	0000029459
Instrument Date	Apr 12, 2018
Instrument	29459
Transaction Type	Transfer
Record Updated	May 3, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	545 NORTH ST LOWELL MI 493311173, LOWELL, MI 49331-1173

Tax Assessment & Valuation

The 2025 property tax bill for 545 North St was $4,428.

Source: Kent County assessment roll, as of September 18, 2026

Property Jurisdictions

Type	Name
State	Michigan
County	Kent County
Municipality	Lowell City
Unified School District	Lowell Area Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$153,800 (+1.92%)	$307,600 (+1.92%)
2025	$4,428.00 Homeowner's exemption	$150,900	$301,800
2023		$117,000	$234,000
2019	$3,715.00

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

Flood

FEMA maps place 545 North St in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 2013.

Source: FEMA National Flood Hazard Layer, effective January 1, 2026 · 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
Flood Insurance Cost	Premium on File median of 11 policies
Nearby Flood Policies	11 in force
Nearby Flood Claims	3 (2013)
Most Recent Claim	Apr 2013 · Flooding
Claims by Event	Flooding, Apr 2013 · 3 claims

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

Wildfire risk around 545 North St 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 305 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Point Broadband Fiber	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: AT&T.

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