8422 E M 20, Hesperia, MI 49421 Property Records

Oceana County property record for 8422 E M 20, Hesperia, MI 49421

Property Summary

Property Type	Single Family Home
Lot Size	2.79 acres (121,712 sqft)
Owner	2 Individual Names on File
Last Sale	$180,000 (Mar 2026)
Deeds & Mortgages	May 2021 Line of Credit Mar 2026 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`014-026-400-31`

Property Details

APN / Parcel Number

Primary APN	`014-026-400-31`

Exterior

Lot Area	121,712 sqft (2.79 acres)

Location & Zoning

Street Address	8422 E M 20
City	HESPERIA
State	MI
Zip	49421-8503
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SEC 26 T14N R15W. W 200 FT OF E 692 FT OF W 3/4 OF S 1/2 OF SW 1/4 OF SE 1/4. SPLIT/COMBINED ON 11/16/2018 FROM 014-026-400-1
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 assessment roll, as of July 17, 2025

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 File
Mailing Address	2230 E RAYMOND RD, TWIN LAKE, MI 49457-9401
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 21, 2021	Deed of Trust, Mortgage · Line of Credit LAKE-OSCEOLA STATE BANK
Mar 12, 2026	Warranty Deed, Transfer · Conventional Mortgage MY CITY HOME LOANS INC
Apr 13, 2018	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Mar 12, 2026 · Amount on Record
Deed Sale	Mar 12, 2026 · Amount on Record
Prior Sale	Mar 12, 2026 · Amount on Record
Deed Document Number	20261173
Deed Book / Page	2026 / 4923
Prior Transfer Date	Mar 8, 2018
Prior Transfer Doc	2018/006635
Record Updated	Sep 20, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OCEANA MI
Property Address	8422 E M 20, HESPERIA, MI 49421-8503
Transaction Type	Mortgage
Record Updated	May 1, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2021/13426
Date	May 21, 2021
Book Page	2021/13426
Instrument	202100003864

Lender

Name	LAKE-OSCEOLA STATE BANK
Type	Bank
Address	BALDWIN, MI 49304

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OCEANA MI
Recording Date	Mar 12, 2026
Property Address	8422 E M 20, HESPERIA, MI 49421-8503
Document Number	02026/4923
Book / Page	2026 / 4923
Map Reference	LB 244 PG 470
Instrument Date	Mar 10, 2026
Instrument	202600001173
Transaction Type	Transfer
Record Updated	May 1, 2026
Title Company	ELEVATE TTL AGCY OF MI LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,350.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	8422 E M 20, HESPERIA, MI 49421-8503

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	2230 E RAYMOND RD, TWIN LAKE, MI 49457-9401

Mortgage

Document Number	202600001174
Date	Mar 12, 2026
Instrument	202600001174

Lender

Name	MY CITY HOME LOANS INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2056

April 2018: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OCEANA MI
Recording Date	Apr 13, 2018
Property Address	8422 E M 20, HESPERIA, MI 49421-8503
Document Number	2018/006635
Book / Page	2018 / 006635
Instrument Date	Mar 8, 2018
Instrument	201800002432
Transaction Type	Transfer
Record Updated	May 11, 2021

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	8422 E M 20, 8422, HESPERIA, MI 49421-8503

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	00000

Tax Assessment & Valuation

Source: Oceana County assessment roll, as of July 17, 2025

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	Assessed Value	Assessed Market Value
2026	$80,600 (+5.36%)	$161,200 (+5.36%)
2025	$76,500 (+27.29%) Land $76,500	$153,000 (+27.29%) Land $153,000
2023	$60,100 Land $60,100	$120,200 (-) Land $120,200
2022		$120,200

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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