8445 Surfside Dr, Montague, MI 49437 Property Records

Oceana County property record for 8445 Surfside Dr, Montague, MI 49437

Property Summary

Property Type	Cooperative Housing Block
Lot Size	0.201 acres (8,786 sqft)
Owner	2 Individual Names on File
Last Sale	$715,000 (Jan 2022)
Tax Bill	$11,592 (2025)
Deeds & Mortgages	Apr 2023 Mortgage Jan 2022 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`016-350-032-00`

Property Details

APN / Parcel Number

Primary APN	`016-350-032-00`

Exterior

Lot Area	8,786 sqft (0.201 acres)

Location & Zoning

Street Address	8445 SURFSIDE DR
City	MONTAGUE
State	MI
Zip	49437-8410
Property Category	Residential
Property Type	Residential > Cooperative > Cooperative Housing Block
Legal Description	LOT 32 MICHAGO BEACH ESTATES SUBJ TO ESMT GREAT LAKES ENERGY COOPERATIVE 2022/22568 QCD 2018/24608 DC POA
Legal Subdivision	MICHAGO BEACH ESTATES
Legal Lot Number	32
Jurisdiction	OCEANA MI
Township / Civil Division	CLAYBANKS
Census Block Group	2
Census Block	2066
Census Tract	10900

Owner

8445 Surfside Dr, a cooperative housing block, is owned by two individuals who bought it in January 2022.

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

Owner of Record	2 Individual Names on File
Mailing Address	1144 LAKE GROVE AVE SE, GRAND RAPIDS, MI 49506-3523
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 21, 2023	Deed of Trust, Mortgage · Conventional Mortgage CHOICEONE BANK
Jan 25, 2022	Warranty Deed, Transfer TRANSNATION TITLE AGENCY
Dec 26, 2018	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 25, 2022 · Amount on File
Deed Sale	Jan 25, 2022 · Amount on File
Prior Transfer Date	Oct 30, 2018
Prior Transfer Doc	2018/024608
Record Updated	Oct 29, 2026

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OCEANA MI
Property Address	8445 SURFSIDE DR, MONTAGUE, MI 49437-8410
Transaction Type	Mortgage
Record Updated	May 19, 2023
Title Company	TRANSNATION TITLE AGENCY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	25525 HEREFORD DR, ROYAL OAK, MI 48067-3053
Investor	Possibly a Property Investor

Mortgage

Document Number	02023/6537
Date	Apr 21, 2023
Book Page	2023/6537
Instrument	202300002062

Lender

Name	CHOICEONE BANK
Type	Bank
Address	SPARTA, MI 49345

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	5.87%
Adjustable	Adjustable Rate Rider
Type Change Date	May 1, 2028
Change Frequency	Annually
Min Rate At Change	3.87%
Max Rate At Change	7.87%
Index	1-Year CMT
Max Rate	10.8%

January 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OCEANA MI
Recording Date	Jan 25, 2022
Property Address	8445 SURFSIDE DR, MONTAGUE, MI 49437-8410
Document Number	02022/1901
Book / Page	2022 / 1901
Map Reference	LB 4 PG 33
Instrument Date	Jan 11, 2022
Instrument	202200000467
Transaction Type	Transfer
Record Updated	Mar 1, 2022
Title Company	TRANSNATION TITLE AGENCY

Transaction

Amount	Amount on Record
Tax	$5,362.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	547 CHERRY ST SE, 547, GRAND RAPIDS, MI 49503-4753

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1144 LAKE GROVE AVE SE, GRAND RAPIDS, MI 49506-3523

December 2018: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OCEANA MI
Recording Date	Dec 26, 2018
Property Address	8445 SURFSIDE DR, MONTAGUE, MI 49437-8410
Document Number	2018/024608
Book / Page	2018 / 024608
Map Reference	LB 4 PG 33-4
Instrument Date	Oct 30, 2018
Instrument	201800007170
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	8445 SURFSIDE DR, 8445, MONTAGUE, MI 49437-8410

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	547 CHERRY ST SE APT 3B, 3B, GRAND RAPIDS, MI 49503-4751

Tax Assessment & Valuation

The 2025 property tax bill for 8445 Surfside Dr was $11,592, down 1% 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		$260,900 (+15.54%) Land $260,900	$521,800 (+15.54%) Land $521,800
2025	$11,592.00 (-10.03%)	$225,800 Land $225,800	$451,600 Land $451,600
2024	$12,884.00
2023		$234,900 Land $234,900	$469,800 (-) Land $469,800
2022	$2,466.00		$469,800

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 8445 Surfside Dr in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone VE, within 100 ft
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 8445 Surfside Dr is low, with less than 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 99.1% of the US · lower than 98.4% of Michigan
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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

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

Cell Coverage

No cell data coverage reported

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