6830 W Clay Rd, New Era, MI 49446 Property Records

Oceana County property record for 6830 W Clay Rd, New Era, MI 49446

Property Summary

Property Type	Rural Home
Details	3 bd · 112 sqft · built 1920
Lot Size	40 acres (1,742,400 sqft)
Owner	Individual Name on File
Tax Bill	$2,712 (2025)
Deeds & Mortgages	Mar 2023 Line of Credit Aug 2025 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`016-015-100-04`

Property Details

APN / Parcel Number

Primary APN	`016-015-100-04`

Interior

Bedrooms	3 Beds
Stories	1 Story
Building Area	112 sqft Gross Area
1st Floor Area	1,008 sqft
Basement Area	1,008 sqft

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Lot Area	1,742,400 sqft (40 acres)
Garage Area	672 sqft
Parking Spaces	2 Parking Spaces
Total Buildings	7 Buildings

Location & Zoning

Street Address	6830 W CLAY RD
City	NEW ERA
State	MI
Zip	49446-8040
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	6830 W CLAY RD - SEC 15 T13N R18W -40 A M/L- SE 1/4 OF NW 1/4 SUBJ TO MICHIGAN FARMLAND & OPEN SPACE PRESERVATION ACT FROM 1-
Legal Range	18W
Legal Township	13N
Legal Section	15
Jurisdiction	OCEANA MI
Township / Civil Division	CLAYBANKS
Census Block Group	2
Census Block	2062
Census Tract	10900

Owner

6830 W Clay Rd, a rural home, is owned and occupied by an individual who acquired it in August 2025.

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

Owner of Record	Individual Name on File
Mailing Address	6830 W CLAY RD, NEW ERA, MI 49446-8040
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried Man

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
Mar 13, 2023	Deed of Trust, Mortgage · Line of Credit HARBORLIGHT CU
Aug 12, 2025	Intrafamily Transfer, Transfer · Conventional Mortgage MMS MORTGAGE SERVICES LTD
Jul 7, 2017	Intrafamily Transfer, Transfer · ARM THE SHELBY STATE BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Aug 5, 2025
Transfer Doc	2025/15592
Record Updated	Oct 29, 2026

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OCEANA MI
Property Address	6830 W CLAY RD, NEW ERA, MI 49446-8040
Transaction Type	Mortgage
Record Updated	Sep 25, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6830 W CLAY RD, NEW ERA, MI 49446-8040

Mortgage

Document Number	02023/3897
Date	Mar 13, 2023
Book Page	2023/3897
Instrument	202300000966

Lender

Name	HARBORLIGHT CU
Type	Credit Union
Address	WHITEHALL, MI 49461

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Mar 12, 2043

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OCEANA MI
Recording Date	Aug 12, 2025
Property Address	6830 W CLAY RD, NEW ERA, MI 49446-8040
Document Number	2025/15592
Book / Page	2025 / 15592
Instrument Date	Aug 5, 2025
Instrument	202500004206
Transaction Type	Transfer
Record Updated	Sep 25, 2025
Title Company	LIGHTHOUSE TITLE AGENCY, LIGHTHOUSE TTL AGCY WHITE LA

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6579 W CLEVELAND BL, MONTROSE, OH 44333

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6830 W CLAY RD, NEW ERA, MI 49446-8040

Mortgage

Document Number	202500004207
Date	Aug 12, 2025
Instrument	202500004207

Lender

Name	MMS MORTGAGE SERVICES LTD
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2055

July 2017: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OCEANA MI
Recording Date	Jul 7, 2017
Property Address	6830 W CLAY RD, NEW ERA, MI 49446-8040
Document Number	2017/012758
Book / Page	2017 / 012758
Instrument Date	Jun 29, 2017
Instrument	201700004038
Transaction Type	Transfer
Record Updated	May 11, 2021
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	6830 W CLAY RD, NEW ERA, MI 49446-8040

Mortgage

Document Number	2017012762
Date	Jul 7, 2017
Instrument	2017/012762

Lender

Name	THE SHELBY STATE BANK
Type	Bank

Agreement

Type	ARM
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	5.62%
Adjustable	Adjustable Rate Rider
Type Change Date	Jul 1, 2022
Change Frequency	Annually
Min Rate At Change	3.62%
Max Rate At Change	7.62%
Index	1-Year CMT
Max Rate	10.6%

Tax Assessment & Valuation

The 2025 property tax bill for 6830 W Clay Rd was $2,712 with a homeowner's exemption, down 4.4% from the year before.

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

Property Jurisdictions

Type	Name
State	Michigan
County	Oceana County
County Subdivision	Claybanks Township
Unified School District	Montague Area Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$165,900 (+10.23%) Land $72,200 Building $93,700	$331,800 (+10.23%) Land $144,400 Building $187,400
2025	$2,712.00 (-4.41%) Homeowner's exemption	$150,500 Land $66,500 Building $84,000	$301,000 Land $133,000 Building $168,000
2024	$2,837.00
2023		$130,700 Land $54,600 Building $76,100	$261,400 (-) Land $109,200 Building $152,200
2022	$2,518.00		$261,400

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

Flood

FEMA maps place 6830 W Clay 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	4 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 6830 W Clay Rd is low, with 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 80% of the US · above 51% of Michigan
Wildfire Likelihood	0.01% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, as of December 31, 2025

Cell Coverage

4G LTE (outdoors only), no 5G reported

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