8412 E M 20, Hesperia, MI 49421 Property Records

Oceana County property record for 8412 E M 20, Hesperia, MI 49421

Property Summary

Property Type	Manufactured or Modular Home
Details	3 bd · 1,152 sqft · built 1973
Lot Size	1.51 acres (65,776 sqft)
Owner	2 Individual Names on Record
Last Sale	$165,000 (Sep 2021)
Tax Bill	$1,766 (2025)
Deeds & Mortgages	Sep 2021 Sale & Mortgage Jun 2019 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`014-026-400-09`

Property Details

APN / Parcel Number

Primary APN	`014-026-400-09`

Interior

Bedrooms	3 Beds
Building Area	1,152 sqft Gross Area
1st Floor Area	1,152 sqft
Basement Area	1,152 sqft

Exterior

Year Built	Built 1973
Effective Year Built	Effective 1973
Architectural Style	Modular
Lot Area	65,776 sqft (1.51 acres)

Location & Zoning

Street Address	8412 E M 20
City	HESPERIA
State	MI
Zip	49421-8503
Property Category	Residential
Property Type	Residential > Prefabricated > Manufactured or Modular Home
Legal Description	WD 2019/11077 SEC 26 T14N R15W. 1.51 A W 100 FT OF E 792 FT OF S 1/2 OF W 3/4 OF SW 1/4 OF SE 1/4. 8412 E M-20 WD 2017/11045
Legal Range	15W
Legal Township	14N
Legal Section	26
Jurisdiction	OCEANA MI
Township / Civil Division	NEWFIELD
Census Block Group	2
Census Block	2003
Census Tract	10600

Owner

Source: Oceana County records, as of October 13, 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	8412 E M 20, HESPERIA, MI 49421-8503
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 24, 2021	Warranty Deed, Transfer · FHA Mortgage INDEPENDENT BANK
Jun 28, 2019	Warranty Deed, Transfer · VA Mortgage USAA FSB
Jun 7, 2017	Warranty Deed, Transfer · Conventional Mortgage VAN DYK MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 24, 2021 · Amount on Record
Deed Sale	Sep 24, 2021 · Amount on Record
Prior Sale	Sep 24, 2021 · Amount on Record
Deed Document Number	20216681
Deed Book / Page	2021 / 25110
Prior Transfer Date	Jan 8, 2010
Prior Transfer Doc	2010/000867
Record Updated	Oct 29, 2026

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OCEANA MI
Recording Date	Sep 24, 2021
Property Address	8412 E M 20, HESPERIA, MI 49421-8503
Document Number	2021/25110
Book / Page	2021 / 25110
Instrument Date	Sep 16, 2021
Instrument	202100006681
Transaction Type	Transfer
Record Updated	Aug 17, 2023
Title Company	CHICAGO TITLE/MI, CHICAGO TITLE OF MI INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,419.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	631 E CHESTNUT ST, BRECKENRIDGE, MI 48615-9517

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	8412 E M 20, HESPERIA, MI 49421-8503

Mortgage

Document Number	202100006682
Date	Sep 24, 2021
Instrument	202100006682

Lender

Name	INDEPENDENT BANK
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2051

June 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OCEANA MI
Recording Date	Jun 28, 2019
Property Address	8412 E M 20, HESPERIA, MI 49421-8503
Document Number	2019/011077
Book / Page	2019 / 011077
Instrument Date	Jun 25, 2019
Instrument	201900003680
Transaction Type	Transfer
Record Updated	Aug 17, 2023
Title Company	GRAND RAPIDS TITLE COMPANY LLC, GRAND REPIDS TITLE CO LLC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,123.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	8412 E M 20, HESPERIA, MI 49421-8503

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8412 E M 20, HESPERIA, MI 49421-8503

Mortgage

Document Number	201900003681
Date	Jun 28, 2019
Instrument	201900003681

Lender

Name	USAA FSB
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2049

June 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OCEANA MI
Recording Date	Jun 7, 2017
Property Address	8412 E M 20, HESPERIA, MI 49421-8503
Document Number	2017/011045
Book / Page	2017 / 011045
Instrument Date	May 22, 2017
Instrument	201700003590
Transaction Type	Transfer
Record Updated	Aug 17, 2023
Title Company	PREMIER LAKESHORE TITLE AGENCY, PREMIER LAKESHORE TITLE AGEN

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,032.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	8412 E M 20, HESPERIA, MI 49421-8503

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8412 E M 20, HESPERIA, MI 49421-8503
Investor	Possibly a Property Investor

Mortgage

Document Number	2017011047
Date	Jun 7, 2017
Instrument	2017/011047

Lender

Name	VAN DYK MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2047

Tax Assessment & Valuation

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		$80,000 (+2.56%) Land $2,700 Building $77,300	$160,000 (+2.56%) Land $5,400 Building $154,600
2025	$1,766.00 (+2.32%) Homeowner's exemption	$78,000 (+27.45%) Land $2,500 Building $75,500	$156,000 (+27.45%) Land $5,000 Building $151,000
2024	$1,726.00 (+10.08%)
2023		$61,200 Building $61,200	$122,400 (-) Building $122,400
2022	$1,568.00		$122,400

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

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
Flood Insurance Cost	Premium on Record median of 14 policies
Nearby Flood Policies	14 in force
Nearby Flood Claims	8 (1979–2026)
Most Recent Claim	Apr 2026 · Severe Storms, Tornadoes, And Flooding
Claims by Event	Severe Storms, Tornadoes, And Flooding, Apr 2026 · 2 claims Severe Storms & Flooding, Sep 1986 · 2 claims

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

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 35 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Point Broadband Fiber	1,000 / 1,000
Spectrum Cable · Fiber in parts of the area	1,000 / 50
Verizon Fixed Wireless	300 / 20

May also be available: NCATS, Truestream.

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