6564 E Gale Rd, Hesperia, MI 49421 Property Records

Oceana County property record for 6564 E Gale Rd, Hesperia, MI 49421

Property Summary

Property Type	Cooperative Housing Block
Lot Size	5 acres (217,800 sqft)
Owner	2 Individual Names on File
Last Sale	$40,000 (Nov 2020)
Tax Bill	$1,332 (2025)
Deeds & Mortgages	Dec 2021 Mortgage Nov 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`014-004-300-10`

Property Details

APN / Parcel Number

Primary APN	`014-004-300-10`

Exterior

Lot Area	217,800 sqft (5 acres)

Location & Zoning

Street Address	6564 E GALE RD
City	HESPERIA
State	MI
Zip	49421-9517
Property Category	Residential
Property Type	Residential > Cooperative > Cooperative Housing Block
Legal Description	PT OF N 1/2 OF SW 1/4 SEC 4 T14N R15W DESC'D AS BEG AT A PT DIST N 89 DEG 43' 26 E 996 FT ALG E-W 1/4 LN FR W 1/4 COR, TH N 8
Legal Range	15W
Legal Township	14N
Legal Section	04
Jurisdiction	OCEANA MI
Township / Civil Division	NEWFIELD
Census Block Group	3
Census Block	3008
Census Tract	10600

Owner

6564 E Gale Rd, a cooperative housing block, is owned and occupied by two individuals who bought it in November 2020.

Source: Oceana County records, as of October 13, 2026

Owner of Record	2 Individual Names on File
Mailing Address	6564 E GALE RD, HESPERIA, MI 49421-9517
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
Dec 16, 2021	Deed of Trust, Mortgage · Conventional Mortgage THE DART BANK
Nov 25, 2020	Re-recorded Document · ARM THE DART BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 25, 2020 · Amount on File
Deed Sale	Nov 25, 2020 · Amount on File
Prior Sale	Nov 27, 2018 · Amount on File
Deed Document Number	20206864
Deed Book / Page	2020 / 26347
Prior Transfer Date	Nov 29, 2001
Prior Transfer Doc	2301004228
Record Updated	Oct 29, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OCEANA MI
Property Address	6564 E GALE RD, HESPERIA, MI 49421-9517
Transaction Type	Mortgage
Record Updated	Aug 17, 2023
Title Company	MASON BURGESS TITLE AGENCY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6564 E GALE RD, HESPERIA, MI 49421-9517

Mortgage

Document Number	2021/32341
Date	Dec 16, 2021
Book Page	2021/32341
Instrument	202100008428

Lender

Name	THE DART BANK
Type	Bank
Address	LANSING, MI 48912

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2052

November 2020: Re-recorded Document

Document Type	Re-recorded Document
Jurisdiction	OCEANA MI
Recording Date	Nov 25, 2020
Property Address	6564 E GALE RD, HESPERIA, MI 49421-9517
Document Number	2020/26347
Book / Page	2020 / 26347
Instrument Date	Oct 30, 2019
Instrument	202000006864
Record Updated	Aug 17, 2023

Transaction

Amount	Amount on Record
Tax	$344.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5898 E ADAMS RD, WALKERVILLE, MI 49459-8321

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6564 E GALE RD, HESPERIA, MI 49421-9517

Mortgage

Document Number	2020/26319
Date	Nov 25, 2020
Book Page	2020/26319
Instrument	202000006862

Lender

Name	THE DART BANK
Type	Bank
Address	LANSING, MI 48912

Agreement

Type	ARM
Amount	Amount on Record
Term	369 Months
Due	Aug 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	4.87%
Type Change Date	Aug 1, 2026
Change Frequency	Annually
Min Rate At Change	4.87%
Max Rate At Change	6.87%
Index	1-Year LIBOR
Max Rate	10.8%

Tax Assessment & Valuation

The 2025 property tax bill for 6564 E Gale Rd was $1,332 with a homeowner's exemption.

Source: Oceana County assessment roll, as of October 13, 2026

Property Jurisdictions

Type	Name
State	Michigan
County	Oceana County
County Subdivision	Newfield Township
Unified School District	Hesperia Community Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$69,300 (+17.46%) Land $69,300	$138,600 (+17.46%) Land $138,600
2025	$1,332.00 Homeowner's exemption	$59,000 Land $59,000	$118,000 Land $118,000
2023		$52,100 Land $52,100	$104,200 (-) Land $104,200
2022	$1,165.00		$104,200

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

Flood

FEMA maps place 6564 E Gale Rd in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective August 23, 2021 · 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
Nearby Flood Policies	1 in force

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 6564 E Gale Rd is low, with a 0.02% 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	0.02% 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 13 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Truestream Fiber	1,000 / 1,000

Cell Coverage

No cell data coverage reported

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