639 W Ruby Rd, Sheridan, MI 48884 Property Records

Montcalm County property record for 639 W Ruby Rd, Sheridan, MI 48884

Property Summary

Property Type	Single Family Home
Details	1 ba · 832 sqft
Lot Size	0.277 acres (12,079 sqft)
Owner	Individual Name on Record
Last Sale	$200,000 (Apr 2025)
Tax Bill	$1,686 (2025)
Deeds & Mortgages	Feb 2019 Refinance Aug 2018 Mortgage + 2 more
APN	`019-640-003-00`

Property Details

APN / Parcel Number

Primary APN	`019-640-003-00`

Interior

Full Baths	1 Bath
Building Area	832 sqft Building Perimeter
1st Floor Area	832 sqft

Exterior

Architectural Style	Ranch
Lot Area	12,079 sqft (0.277 acres)
Lot Dimensions	140 ft deep x 103 ft wide

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	639 W RUBY RD
City	SHERIDAN
State	MI
Zip	48884-9349
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	698-94 002-00/1993 LOT 3 & E 25 FT OF LOT 2 SUB-ROSA SUBDIVISION
Legal Subdivision	SUB-ROSA SUBDIVISION
Legal Lot Number	2-3
Jurisdiction	MONTCALM MI
Township / Civil Division	SIDNEY
Census Block Group	2
Census Block	2000
Census Tract	971100

Owner

Source: Montcalm County records, as of July 6, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	211 E GROVE ST, GREENVILLE, MI 48838-1851
Owner Type	Individual
Vesting	Married Woman, Separate Property

Deeds, Mortgages & Sale History

Date	Document
Feb 11, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance CHEMICAL BANK
Aug 15, 2018	Deed of Trust, Mortgage · ARM CHEMICAL BANK
Feb 11, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance CHEMICAL BANK
Feb 25, 2020	Warranty Deed, Transfer · Stand-Alone First Mortgage USAA FSB

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 24, 2025 · Amount on Record
Deed Sale	Apr 24, 2025 · Amount on Record
Prior Sale	Feb 25, 2020 · Amount on Record
Deed Document Number	20254641
Record Updated	Sep 20, 2026

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTCALM MI
Property Address	639 W RUBY RD, SHERIDAN, MI 48884-9349
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2019R01185
Date	Feb 11, 2019
Instrument	2019R-01185

Lender

Name	CHEMICAL BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTCALM MI
Property Address	639 W RUBY RD, SHERIDAN, MI 48884-9349
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2018R08916
Date	Aug 15, 2018
Instrument	2018R-08916

Lender

Name	CHEMICAL BANK
Type	Bank

Agreement

Type	ARM
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	4.7%
Type Change Date	Sep 1, 2025
Index	Other

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTCALM MI
Property Address	639 W RUBY RD, SHERIDAN, MI 48884-9349
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2019R01185
Date	Feb 11, 2019
Instrument	2019R-01185

Lender

Name	CHEMICAL BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded

February 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONTCALM MI
Recording Date	Feb 25, 2020
Property Address	639 W RUBY RD, SHERIDAN, MI 48884-9349
Document Number	2020R01936
Instrument Date	Feb 24, 2020
Instrument	2020R-01936
Transaction Type	Transfer
Record Updated	Jun 22, 2021

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	639 W RUBY RD, SHERIDAN, MI 48884-9349

Mortgage

Document Number	2020R01937
Date	Feb 25, 2020
Instrument	2020R-01937

Lender

Name	USAA FSB
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Mortgage

Document Number	2020R01936
Date	Feb 25, 2020
Instrument	2020R-01936

Lender

Name	USAA FSB
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2050

Tax Assessment & Valuation

Source: Montcalm County assessment roll, as of July 6, 2026

Property Jurisdictions

Type	Name
State	Michigan
County	Montcalm County
County Subdivision	Sidney Township
Unified School District	Central Montcalm Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$93,700 (+6.36%)	$187,400 (+6.36%)
2025	$1,686.00 (-37.62%)	$88,100 (+18.89%)	$176,200 (+137.79%)
2024	$2,703.00
2023		$74,100	$74,100

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer

FEMA Flood Zone	Not on file

Values are read at the parcel center point; 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 93% of the US · lower than 83% of Michigan
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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 24 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
CMS Internet Fiber · Fixed Wireless in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
Point Broadband Fixed Wireless	100 / 20

May also be available: Spectrum.

Cell Coverage

5G (outdoors only) and 4G LTE

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