68 Centennial St, Sparta, MI 49345 Property Records

Kent County property record for 68 Centennial St, Sparta, MI 49345

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,595 sqft · built 1895
Lot Size	0.2 acres (8,712 sqft)
Owner	2 Individual Names on Record
Last Sale	$160,000 (Jul 2019)
Tax Bill	$2,458 (2025)
Deeds & Mortgages	May 2026 Mortgage Jun 2019 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`41-05-23-104-007`

Property Details

APN / Parcel Number

Primary APN	`41-05-23-104-007`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	1,595 sqft Living Area
1st Floor Area	1,221 sqft
Basement Area	416 sqft

Exterior

Year Built	Built 1895
Effective Year Built	Effective 1895
Lot Area	8,712 sqft (0.2 acres)
Lot Dimensions	132 ft deep x 66 ft wide
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	68 CENTENNIAL ST
City	SPARTA
State	MI
Zip	49345-1302
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	VR2
Legal Description	LOT 6 BLK 2 * CHENEY & LOOMIS ADD
Legal Subdivision	CHENEY & LOOMIS ADD
Legal Block	2
Legal Lot Number	6
Jurisdiction	KENT MI
Township / Civil Division	SPARTA
Census Block Group	2
Census Block	2018
Census Tract	10402

Owner

Source: Kent County records, as of September 18, 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	68 CENTENNIAL ST, SPARTA, MI 49345-1302
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 21, 2026	Deed of Trust, Mortgage · FHA Mortgage NONE LISTED ON DOCUMENT
Jun 20, 2019	Deed of Trust, Mortgage · Line of Credit INDEPENDENCE BANK
Jul 1, 2022	Deed of Trust, Mortgage · FHA Mortgage AMERICAN FINANCING CORP
Jul 19, 2019	Warranty Deed, Transfer · Conventional Mortgage KELLER MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 19, 2019 · Amount on Record
Deed Sale	Jul 19, 2019 · Amount on Record
Prior Sale	Nov 30, 2012 · Amount on Record
Deed Document Number	201952596
Prior Transfer Date	Jan 11, 2012
Prior Transfer Doc	0000005874
Record Updated	Oct 29, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENT MI
Recording Date	May 21, 2026
Property Address	68 CENTENNIAL ST, SPARTA, MI 49345-1302
Document Number	0000033472
Instrument Date	Apr 11, 2026
Instrument	202633472
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	68 CENTENNIAL ST, SPARTA, MI 49345-1302

Mortgage

Document Number	0000033472,
Date	May 21, 2026
Instrument	202633472

Lender

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	480 Months
Due	May 1, 2066

Interest

Rate	6.11%
Max Rate	-1%

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENT MI
Property Address	68 CENTENNIAL ST, SPARTA, MI 49345-1302
Transaction Type	Mortgage
Record Updated	Oct 21, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000043872
Date	Jun 20, 2019
Instrument	20190620-0043872

Lender

Name	INDEPENDENCE BANK
Type	Bank
Address	GRAND RAPIDS, MI 49525

Agreement

Type	Line of Credit
Amount	Amount Recorded

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENT MI
Property Address	68 CENTENNIAL ST, SPARTA, MI 49345-1302
Transaction Type	Mortgage
Record Updated	Oct 21, 2022
Title Company	FITCO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	68 CENTENNIAL ST, SPARTA, MI 49345-1302

Mortgage

Document Number	0000053512
Date	Jul 1, 2022
Instrument	20220701-0053512

Lender

Name	AMERICAN FINANCING CORP
Type	Lending Institution
Address	AURORA, CO 80014

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2052

July 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENT MI
Recording Date	Jul 19, 2019
Property Address	68 CENTENNIAL ST, SPARTA, MI 49345-1302
Document Number	0000052596
Map Reference	LB 5 PG 30
Instrument Date	Jul 12, 2019
Instrument	20190719-0052596
Transaction Type	Transfer
Record Updated	Jul 30, 2021
Title Company	INDEPENDENT TITLE SVCS INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,376.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	68 CENTENNIAL ST, SPARTA, MI 49345-1302

Mortgage

Document Number	0000052597
Date	Jul 19, 2019
Instrument	20190719-0052597

Lender

Name	KELLER MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2049

Tax Assessment & Valuation

Source: Kent County assessment roll, as of September 18, 2026

Property Jurisdictions

Type	Name
State	Michigan
County	Kent County
County Subdivision	Sparta Township
Municipality	Sparta Village
Unified School District	Sparta Area Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$119,700 (+4.72%)	$239,400 (+4.72%)
2025	$2,458.00 (+84.4%) Homeowner's exemption	$114,300 (+19.19%)	$228,600 (+19.19%)
2023		$95,900	$191,800
2019	$1,333.00

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

Flood

Source: FEMA National Flood Hazard Layer, effective January 1, 2026

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

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	None beyond 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	SPARTA serves 4,140 people · EPA ID MI0006200
Water Source	Groundwater
Last State Inspection	Jul 2025
Lead	2 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 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 424 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Surf Internet Fiber	8,000 / 8,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Mercury Fiber.

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