640 Summerset Dr, Jenison, MI 49428 Property Records

Ottawa County property record for 640 Summerset Dr, Jenison, MI 49428

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.5 ba · 1,108 sqft · built 1970
Lot Size	0.344 acres (14,985 sqft)
Owner	2 Individual Names on Record
Last Sale	$375,000 (Dec 2025)
Tax Bill	$2,707 (2025)
Deeds & Mortgages	Jan 2021 Mortgage Dec 2025 Second Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`70-14-13-106-021`

Property Details

APN / Parcel Number

Primary APN	`70-14-13-106-021`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Building Area	1,108 sqft Living Area
1st Floor Area	1,050 sqft
Basement Area	1,050 sqft
Unfinished Basement	1,050 sqft
Game Room	Game Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1970
Effective Year Built	Effective 1970
Exterior Material	Aluminum/Vinyl
Lot Area	14,985 sqft (0.344 acres)
Lot Dimensions	150 ft deep x 100 ft wide
Garage Area	624 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	640 SUMMERSET DR
City	JENISON
State	MI
Zip	49428-7938
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	LDR
Legal Description	LOT 14 SNYDER SUBD
Legal Range	14W
Legal Township	6N
Legal Section	13
Legal Subdivision	SNYDER SUBD
Legal Block	106
Legal Lot Number	14
Jurisdiction	OTTAWA MI
Township / Civil Division	GEORGETOWN
Census Block Group	1
Census Block	1001
Census Tract	21605

Owner

Source: Ottawa County records, as of October 12, 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	640 SUMMERSET DR, JENISON, MI 49428-7938
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Jan 11, 2021	Deed of Trust, Mortgage · Conventional Mortgage NEIGHBORHOOD LOANS
Dec 8, 2025	Deed of Trust, Mortgage · Stand-Alone Second Mortgage NEIGHBORHOOD LOANS
Dec 18, 2025	Warranty Deed, Transfer · Conventional Mortgage MORTGAGE 1 INC
Sep 19, 2022	Intrafamily Transfer, Transfer · Line of Credit LAKE MICHIGAN CU
Jun 30, 2017	Warranty Deed, Transfer · Conventional Mortgage AMERIFIRST FINANCIAL CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 18, 2025 · Amount on Record
Deed Sale	Dec 18, 2025 · Amount on Record
Prior Sale	Jun 30, 2017 · Amount on Record
Deed Document Number	202535903
Prior Transfer Date	Oct 25, 2007
Prior Transfer Doc	5533/922
Record Updated	Oct 29, 2026

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OTTAWA MI
Property Address	640 SUMMERSET DR, JENISON, MI 49428-7938
Transaction Type	Mortgage
Record Updated	Dec 29, 2025
Title Company	ATA NATIONAL TITLE GROUP LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	20210001500
Date	Jan 11, 2021
Instrument	2021-0001500

Lender

Name	NEIGHBORHOOD LOANS
Type	Mortgage Company
Address	DOWNERS GROVE, IL 60515

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2051

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OTTAWA MI
Property Address	640 SUMMERSET DR, JENISON, MI 49428-7938
Transaction Type	Mortgage
Record Updated	Dec 29, 2025
Title Company	ATA NATIONAL TITLE GROUP LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	640 SUMMERSET DR, JENISON, MI 49428-7938

Mortgage

Document Number	20250034715
Date	Dec 8, 2025
Instrument	2025-0034715

Lender

Name	NEIGHBORHOOD LOANS
Type	Mortgage Company
Address	DOWNERS GROVE, IL 60515

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	27 Months
Due	Mar 1, 2028

December 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OTTAWA MI
Recording Date	Dec 18, 2025
Property Address	640 SUMMERSET DR, JENISON, MI 49428-7938
Document Number	20250035903
Map Reference	LB 14 PG 54
Instrument Date	Dec 10, 2025
Instrument	2025-0035903
Transaction Type	Transfer
Record Updated	Dec 29, 2025
Title Company	CHICAGO TITLE MERIDIAN, CHICAGO TITLE OF MI INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,812.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	640 SUMMERSET DR, JENISON, MI 49428-7938

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	640 SUMMERSET DR, JENISON, MI 49428-7938

Mortgage

Document Number	20250035904
Date	Dec 18, 2025
Instrument	2025-0035904

Lender

Name	MORTGAGE 1 INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2056

September 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OTTAWA MI
Recording Date	Sep 19, 2022
Property Address	640 SUMMERSET DR, JENISON, MI 49428-7938
Document Number	20220033117
Instrument Date	Sep 12, 2022
Instrument	2022-0033117
Transaction Type	Transfer
Record Updated	Oct 4, 2022

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	7751 CARDINAL DR, JENISON, MI 49428-9163

Mortgage

Document Number	20220032978
Date	Sep 19, 2022
Instrument	2022-0032978

Lender

Name	LAKE MICHIGAN CU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Sep 15, 2047

June 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OTTAWA MI
Recording Date	Jun 30, 2017
Property Address	640 SUMMERSET DR, JENISON, MI 49428-7938
Document Number	20170023750
Map Reference	LB14 PG54
Instrument Date	Jun 28, 2017
Instrument	2017-0023750
Transaction Type	Transfer
Record Updated	Jun 23, 2021
Title Company	ATA NATIONAL TITLE GROUP LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,651.20
Amount Accuracy	Full Amount Stated
Additional	Notice of Trustee Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	640 SUMMERSET DR, 640, JENISON, MI 49428-7938

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	640 SUMMERSET DR, JENISON, MI 49428-7938

Mortgage

Document Number	20170023751
Date	Jun 30, 2017
Instrument	2017-0023751

Lender

Name	AMERIFIRST FINANCIAL CORP
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2047

Tax Assessment & Valuation

Source: Ottawa County assessment roll, as of October 12, 2026

Property Jurisdictions

Type	Name
State	Michigan
County	Ottawa County
County Subdivision	Georgetown Charter Township
Unified School District	Jenison Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$156,500 (+20.02%)	$313,000 (+20.02%)
2025	$2,707.00 (+3.84%) Homeowner's exemption	$130,400 (+12.71%)	$260,800 (+12.71%)
2024	$2,607.00 (+1%)
2023		$115,700	$231,400
2022	$2,370.00

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 October 20, 2021 · 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
Nearby Flood Policies	5 in force
Nearby Flood Claims	10 (1981–2018)
Claims Outside the SFHA	4 of 10
Most Recent Claim	Feb 2018 · river or lake flooding
Claims by Event	Flooding, Apr 2013 · 4 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 80% of the US · above 51% of Michigan
Wildfire Likelihood	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.

Drinking Water

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

Water System	GEORGETOWN TOWNSHIP serves 41,086 people · EPA ID MI0002620
Water Source	Purchased surface water from WYOMING
Last State Inspection	Jul 2024
Lead	2 ppb (2023–2025) 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 131 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Metronet Fiber	5,120 / 5,120
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20

May also be available: AT&T.

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