699 Headwaters Dr NE, Lowell, MI 49331 Property Records

Kent County property record for 699 Headwaters Dr NE, Lowell, MI 49331

Property Summary

Property Type	Condominium
Details	4 bd · 3 ba · 1,847 sqft · built 2005
Lot Size	1.67 acres (72,963 sqft)
Owner	2 Individual Names on File
Last Sale	$530,000 (Sep 2021)
Tax Bill	$7,723 (2025)
Deeds & Mortgages	Apr 2020 Mortgage Jul 2022 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`41-16-21-301-007`

Property Details

APN / Parcel Number

Primary APN	`41-16-21-301-007`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	1,847 sqft Living Area
1st Floor Area	1,839 sqft
Basement Area	1,695 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Architectural Style	Condo/Apartment
Lot Area	72,963 sqft (1.67 acres)
Parking Spaces	4 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	699 HEADWATERS DR NE
City	LOWELL
State	MI
Zip	49331-8633
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	R-A
Legal Description	411621301007 UNIT 7 * HEADWATERS KENT COUNTY CONDOMINIUM SUBDIVISION PLAN NO.577 LIBER 6070 PAGE 951 AS AMENDED BY INSTRUMENT
Legal Subdivision	HEADWATERS KENT COUNTY CONDOMINIUM SUBDI
Legal Unit	7
Jurisdiction	KENT MI
Township / Civil Division	VERGENNES
Census Block Group	3
Census Block	3009
Census Tract	12003

Owner

699 Headwaters Dr NE, a condominium, is owned and occupied by two individuals who bought it in September 2021.

Source: Kent County records, as of September 18, 2026

Owner of Record	2 Individual Names on File
Mailing Address	699 HEADWATERS DR NE, LOWELL, MI 49331-8633
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
Apr 24, 2020	Deed of Trust, Mortgage · Conventional Mortgage LEVEL ONE BANK
Jul 20, 2022	Intrafamily Transfer, Transfer
Sep 14, 2021	Warranty Deed, Transfer · Conventional Mortgage LAKE MICHIGAN CU
Dec 3, 2018	Deed of Trust, Mortgage · Conventional Mortgage LAKE MI CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 14, 2021 · Amount on File
Deed Sale	Sep 14, 2021 · Amount on File
Prior Sale	Oct 6, 2004 · Amount on File
Deed Document Number	2021101170
Record Updated	Oct 29, 2026

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENT MI
Property Address	699 HEADWATERS DR NE, LOWELL, MI 49331-8633
Transaction Type	Mortgage
Record Updated	Aug 12, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000035025
Date	Apr 24, 2020
Instrument	20200424-0035025

Lender

Name	LEVEL ONE BANK
Type	Bank
Address	FARMINGTON, MI 48334

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2050

July 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	KENT MI
Recording Date	Jul 20, 2022
Property Address	699 HEADWATERS DR NE, LOWELL, MI 49331-8633
Document Number	0000058149
Map Reference	DOC 20040512-0063952
Instrument Date	Jul 19, 2022
Instrument	20220720-0058149
Transaction Type	Transfer
Record Updated	Aug 16, 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
Address	699 HEADWATERS DR NE, LOWELL, MI 49331-8633

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENT MI
Recording Date	Sep 14, 2021
Property Address	699 HEADWATERS DR NE, LOWELL, MI 49331-8633
Document Number	0000101170
Map Reference	DOC 20040512-0063952
Instrument Date	Aug 30, 2021
Instrument	20210914-0101170
Transaction Type	Transfer
Record Updated	Aug 12, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,558.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	HEADWATERS DR NE, LOWELL, MI 49331

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10690 100TH ST SE, ALTO, MI 49302-9224

Mortgage

Document Number	0000101171
Date	Sep 14, 2021
Instrument	20210914-0101171

Lender

Name	LAKE MICHIGAN CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	2.62%
Adjustable	Adjustable Rate Rider
Type Change Date	Sep 1, 2024
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	4.62%
Index	1-Year CMT
Max Rate	7.62%

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENT MI
Property Address	699 HEADWATERS DR NE, LOWELL, MI 49331-8633
Document Number	0000098743
Instrument Date	Dec 3, 2018
Transaction Type	Mortgage
Record Updated	Jan 8, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	699 HEADWATERS DR NE LOWELL MI 493318633, LOWELL, MI 49331-8633

Mortgage

Document Number	0000098743
Date	Dec 19, 2018
Instrument	98743

Lender

Name	LAKE MI CU
Type	Credit Union
Address	GRAND RAPIDS, MI 49501-2848

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	300 Months
Due	Dec 18, 2043

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 699 Headwaters Dr NE was $7,723.

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

Property Jurisdictions

Type	Name
State	Michigan
County	Kent County
County Subdivision	Vergennes Township
Unified School District	Lowell Area Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$287,900 (+10.05%)	$575,800 (+10.05%)
2025	$7,723.00 Homeowner's exemption	$261,600	$523,200
2023		$260,100	$520,200
2019	$5,196.00

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

FEMA maps place 699 Headwaters Dr NE in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1985.

Source: FEMA National Flood Hazard Layer, effective January 1, 2026 · 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 Claims	2 (1985–1986)
Most Recent Claim	Sep 1986 · Severe Storms & Flooding

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 699 Headwaters Dr NE 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	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 8 locations within half a mile, as of December 31, 2025

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

May also be available: Spectrum.

Cell Coverage

5G (outdoors only) and 4G LTE

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