8417 E M 20, Hesperia, MI 49421 Property Records

Oceana County property record for 8417 E M 20, Hesperia, MI 49421

Property Summary

Property Type	Single Family Home
Lot Size	5 acres (217,800 sqft)
Owner	2 Individual Names on Record
Last Sale	$70,000 (Jul 2015)
Deeds & Mortgages	May 2026 Mortgage Nov 2023 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`014-035-100-15`

Property Details

APN / Parcel Number

Primary APN	`014-035-100-15`

Exterior

Lot Area	217,800 sqft (5 acres)

Location & Zoning

Street Address	8417 E M 20
City	HESPERIA
State	MI
Zip	49421-8924
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	8417 E M-20 MLC953128 WD970631 SPL FR 100-07 IN 88 PER LS SEC 35 T14N R15W. 5 A E 287 FT OF N 770 FT OF NE 1/4 OF NW 1/4 EXC
Legal Range	15W
Legal Township	14N
Legal Section	35
Jurisdiction	OCEANA MI
Township / Civil Division	NEWFIELD
Census Block Group	2
Census Block	2011
Census Tract	10600

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	8417 E M 20, HESPERIA, MI 49421-8924
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 22, 2026	Deed of Trust, Mortgage · VA Mortgage FEDERAL SAVINGS BANK
Nov 28, 2023	Deed of Trust, Mortgage · VA Mortgage ADVANTAGEFIRST LENDING INC
Aug 29, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage COMPASS CU
Jan 26, 2022	Deed of Trust, Mortgage · VA Mortgage PLANET HOME LENDING LLC
Apr 16, 2021	Deed of Trust, Mortgage · FHA Mortgage PLANET HOME LENDING LLC
Feb 16, 2018	Deed of Trust, Mortgage · FHA Mortgage AMERICAN LENDING SOLUTIONS LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 6, 2015 · Amount on Record
Deed Sale	Jul 6, 2015 · Amount on Record
Prior Sale	Jun 25, 2014 · Amount on Record
Deed Book / Page	2015 / 10627
Prior Transfer Date	Jun 19, 2014
Prior Transfer Doc	2014/010043
Record Updated	Oct 29, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OCEANA MI
Recording Date	May 22, 2026
Property Address	8417 E M 20, HESPERIA, MI 49421-8924
Document Number	0000003117
Book / Page	2026 / 11325
Instrument Date	May 14, 2026
Instrument	20263117
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	SERVICELINK, SERVICE LINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8417 E M 20, HESPERIA, MI 49421-8924

Mortgage

Document Number	0000003117,
Date	May 22, 2026
Book Page	2026/11325
Instrument	20263117

Lender

Name	FEDERAL SAVINGS BANK

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2056

Interest

Rate	6.3%
Max Rate	-1%

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OCEANA MI
Property Address	8417 E M 20, HESPERIA, MI 49421-8924
Transaction Type	Mortgage
Record Updated	Feb 22, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8417 E M 20, HESPERIA, MI 49421-8924

Mortgage

Document Number	2023/21003
Date	Nov 28, 2023
Book Page	2023/21003
Instrument	202300005733

Lender

Name	ADVANTAGEFIRST LENDING INC
Type	Lending Institution
Address	YORBA LINDA, CA 92886

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	325 Months
Due	Dec 1, 2050

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OCEANA MI
Property Address	8417 E M 20, HESPERIA, MI 49421-8924
Transaction Type	Mortgage
Record Updated	Sep 18, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8417 E M 20, HESPERIA, MI 49421-8924

Mortgage

Document Number	2023/14971
Date	Aug 29, 2023
Book Page	2023/14971
Instrument	202300004227

Lender

Name	COMPASS CU
Type	Credit Union
Address	SPARTA, MI 49345

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Aug 5, 2033

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OCEANA MI
Property Address	8417 E M 20, HESPERIA, MI 49421-8924
Transaction Type	Mortgage
Record Updated	Mar 1, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8417 E M 20, HESPERIA, MI 49421-8924

Mortgage

Document Number	02022/1977
Date	Jan 26, 2022
Book Page	2022/1977
Instrument	202200000486

Lender

Name	PLANET HOME LENDING LLC
Type	Mortgage Company
Address	MERIDEN, CT 06450

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2052

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OCEANA MI
Property Address	8417 E M 20, HESPERIA, MI 49421-8924
Transaction Type	Mortgage
Record Updated	Jun 2, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2021/10031
Date	Apr 16, 2021
Book Page	2021/10031
Instrument	202100002872

Lender

Name	PLANET HOME LENDING LLC
Type	Mortgage Company
Address	MERIDEN, CT 06450

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	358 Months
Due	Feb 1, 2051

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OCEANA MI
Property Address	8417 E M 20, HESPERIA, MI 49421-8924
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2018/002999
Date	Feb 16, 2018
Book Page	2018/002999
Instrument	201800000867

Lender

Name	AMERICAN LENDING SOLUTIONS LLC
Type	Mortgage Company
Address	COLUMBUS, WI 53925

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2048

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		$124,200 (+2.99%) Land $124,200	$248,400 (+2.99%) Land $248,400
2025	Homeowner's exemption	$120,600 (+34.45%) Land $120,600	$241,200 (+34.45%) Land $241,200
2023		$89,700 Land $89,700	$179,400 (-) Land $179,400
2022			$179,400

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 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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