609 Lafayette St, Lowell, MI 49331 Property Records

Kent County property record for 609 Lafayette St, Lowell, MI 49331

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,800 sqft · built 1880
Lot Size	0.2 acres (8,712 sqft)
Owner	2 Individual Names on Record
Last Sale	$190,000 (Sep 2021)
Tax Bill	$4,209 (2025)
Deeds & Mortgages	Sep 2026 Mortgage Sep 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`41-20-02-252-004`

Property Details

APN / Parcel Number

Primary APN	`41-20-02-252-004`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	2 Stories
Building Area	1,800 sqft Living Area

Exterior

Year Built	Built 1880
Effective Year Built	Effective 1880
Lot Area	8,712 sqft (0.2 acres)
Lot Dimensions	132 ft deep x 66 ft wide

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	609 LAFAYETTE ST
City	LOWELL
State	MI
Zip	49331-1126
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	LOT 6 BLK 2 * KING AMPHLETT'S ADD
Legal Subdivision	KING AMPHLETTS ADD
Legal Block	2
Legal Lot Number	6
Jurisdiction	KENT MI
Township / Civil Division	LOWELL
Census Block Group	3
Census Block	3008
Census Tract	12004

Owner

Source: Kent County records, as of September 25, 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 Record
Mailing Address	609 LAFAYETTE ST, LOWELL, MI 49331-1126
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 17, 2026	Deed of Trust, Mortgage · Conventional Mortgage LAKE MICHIGAN CREDIT UNION
Sep 10, 2021	Warranty Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER LLC
Jul 15, 2020	Deed of Trust, Mortgage · Conventional Mortgage LAKE MICHIGAN CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 10, 2021 · Amount on Record
Deed Sale	Sep 10, 2021 · Amount on Record
Prior Sale	Sep 21, 2015 · Amount on Record
Deed Document Number	202199873
Prior Transfer Date	Dec 8, 2008
Prior Transfer Doc	0000107521
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENT MI
Recording Date	Sep 17, 2026
Property Address	609 LAFAYETTE ST, LOWELL, MI 49331-1126
Document Number	0000063393
Instrument Date	Sep 12, 2026
Instrument	202663393
Transaction Type	Mortgage
Record Updated	Sep 25, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	609 LAFAYETTE ST, LOWELL, MI 49331-1126

Mortgage

Document Number	0000063393,
Date	Sep 17, 2026
Instrument	202663393

Lender

Name	LAKE MICHIGAN CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Oct 1, 2041

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENT MI
Recording Date	Sep 10, 2021
Property Address	609 LAFAYETTE ST, LOWELL, MI 49331-1126
Document Number	0000099873
Map Reference	LB 2 PG 55
Instrument Date	Sep 7, 2021
Instrument	20210910-0099873
Transaction Type	Transfer
Record Updated	Oct 11, 2021
Title Company	LIGHTHOUSE TITLE AGENCY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,634.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	609 LAFAYETTE ST, 609, LOWELL, MI 49331-1126

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	609 LAFAYETTE ST, LOWELL, MI 49331-1126

Mortgage

Document Number	0000099874
Date	Sep 10, 2021
Instrument	20210910-0099874

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2051

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENT MI
Property Address	609 LAFAYETTE ST, LOWELL, MI 49331-1126
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000061905
Date	Jul 15, 2020
Instrument	20200715-0061905

Lender

Name	LAKE MICHIGAN CU
Type	Credit Union
Address	GRAND RAPIDS, MI 49501

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Jul 1, 2040

Tax Assessment & Valuation

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		$120,800 (+16.27%)	$241,600 (+16.27%)
2025	$4,209.00 (+62.38%) Homeowner's exemption	$103,900 (+13.18%)	$207,800 (+13.18%)
2023		$91,800	$183,600
2019	$2,592.00

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 94% of the US · lower than 87% of Michigan
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Indirect within ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	LOWELL serves 4,150 people · EPA ID MI0003950
Water Source	Groundwater
Last State Inspection	Feb 2026
Lead	Under 1 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. The service area is an EPA estimate; the actual supplier may differ.

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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