Ionia County property record for 645 Division St, Ionia, MI 48846
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,334 sqft · built 1920 |
| Lot Size | 0.443 acres (19,297 sqft) |
| Owner | Individual Name on File |
| Last Sale | $230,000 (Aug 2021) |
| Tax Bill | $3,694 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 20309000095000 |
| Primary APN | 20309000095000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,334 sqft Living Area |
| 1st Floor Area | 1,334 sqft |
| Basement Area | 1,334 sqft |
| Unfinished Basement | 1,334 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1920 |
|---|---|
| Effective Year Built | Effective 1920 |
| Exterior Material | Brick |
| Lot Area | 19,297 sqft (0.443 acres) |
| Lot Dimensions | 195 ft deep x 99 ft wide |
| Garage Area | 680 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Porch |
| Heating System | Forced Air with A/C |
|---|---|
| Sewer | Connected |
| Street Address | 645 DIVISION ST |
|---|---|
| City | IONIA |
| State | MI |
| Zip | 48846-1216 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-2 |
| Legal Description | CITY OF IONIA SUP. COVERTS ADDITION E 1/2 OF LOT 170 & THE N 33FT OF THE E 1/2 OF LOT 171 |
| Legal Subdivision | CITY OF IONIA SUP COVERTS ADD |
| Legal Lot Number | 170-171 |
| Jurisdiction | IONIA MI |
| Township / Civil Division | IONIA |
| Census Block Group | 2 |
| Census Block | 2023 |
| Census Tract | 31600 |
645 Division St is owned and occupied by an individual who bought it in August 2021.
Source: Ionia County records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 645 DIVISION ST, IONIA, MI 48846-1216 |
| 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.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 26, 2021 · Amount on File |
| Deed Sale | Aug 26, 2021 · Amount on File |
| Prior Sale | Mar 13, 2018 · Amount on File |
| Prior Transfer Date | Mar 12, 2018 |
| Prior Transfer Doc | 0649005384 |
| Record Updated | Oct 29, 2026 |
The 2025 property tax bill for 645 Division St was $3,694 with a homeowner's exemption.
Source: Ionia County assessment roll, as of October 20, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Ionia County |
| Municipality | Ionia City |
| Unified School District | Ionia Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $99,900 (-11.28%) Land $17,900 Building $82,000 | $199,800 (-11.28%) Land $35,800 Building $164,000 | |
| 2025 | $3,694.00 Homeowner's exemption | $112,600 Land $17,900 Building $94,700 | $225,200 Land $35,800 Building $189,400 |
| 2023 | $83,300 Land $12,000 Building $71,300 | $166,600 Land $24,000 Building $142,600 |
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.
FEMA maps place 645 Division St in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective January 15, 2015
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Wildfire risk around 645 Division St is low, with less than 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 96% of the US · lower than 91% of Michigan |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | IONIA serves 11,708 people · EPA ID MI0003370 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Oct 2021 |
| Lead | 5 ppb (2024–2026) action level 15 ppb |
| 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.
Source: FCC Broadband Data Collection, based on 122 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Point Broadband Fiber · Fixed Wireless in parts of the area | 1,000 / 1,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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