8459 W Jay Dr, Mears, MI 49436 Property Records

Oceana County property record for 8459 W Jay Dr, Mears, MI 49436

Property Summary

Property Type	Single Family Home
Lot Size	0.154 acres (6,716 sqft)
Owner	2 Individual Names on Record
Last Sale	$333,000 (Jan 2022)
Tax Bill	$6,331 (2025)
Deeds & Mortgages	Jun 2020 Mortgage Aug 2021 Line of Credit + 6 more
Flood Zone	Zone X (minimal risk)
APN	`006-650-016-00`

Property Details

APN / Parcel Number

Primary APN	`006-650-016-00`

Exterior

Lot Area	6,716 sqft (0.154 acres)

Location & Zoning

Street Address	8459 W JAY DR
City	MEARS
State	MI
Zip	49436-9702
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 16 PLAT OF SILVER LAKE VILLAGE WD 2018/17461
Legal Subdivision	SILVER LAKE VILLAGE
Legal Lot Number	16
Jurisdiction	OCEANA MI
Township / Civil Division	GOLDEN
Census Block Group	1
Census Block	1030
Census Tract	11000

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	6234 SHELDON DR, HUDSONVILLE, MI 49426-7815
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 23, 2020	Deed of Trust, Mortgage · Conventional Mortgage COMMUNITY SHORES BANK
Aug 27, 2021	Deed of Trust, Mortgage · Line of Credit CHOICEONE BANK
Sep 9, 2011	Deed of Trust, Mortgage · Line of Credit THE HUNTINGTON NATIONAL BANK
Jun 18, 2009	Deed of Trust, Mortgage · Line of Credit THE HUNTINGTON NATIONAL BANK
Jun 3, 2009	Deed of Trust, Mortgage THE HUNTINGTON NATIONAL BANK
Jan 13, 2022	Warranty Deed, Transfer · Conventional Mortgage HEARTLAND HOME MORTGAGE
Sep 17, 2018	Warranty Deed, Transfer · Conventional Mortgage COMMUNITY SHORES BANK
Aug 10, 2007	Warranty Deed, Transfer · ARM THE HUNTINGTON NATIONAL BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 13, 2022 · Amount on Record
Deed Sale	Jan 13, 2022 · Amount on Record
Prior Sale	Aug 10, 2007 · Amount on Record
Prior Transfer Date	Aug 8, 2007
Prior Transfer Doc	2007/020171
Record Updated	Oct 29, 2026

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OCEANA MI
Property Address	8459 W JAY DR, MEARS, MI 49436-9702
Transaction Type	Mortgage
Record Updated	Jun 8, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	2020/11686
Date	Jun 23, 2020
Book Page	2020/11686
Instrument	202000003403

Lender

Name	COMMUNITY SHORES BANK
Type	Bank
Address	MUSKEGON, MI 49441

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2050

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OCEANA MI
Property Address	8459 W JAY DR, MEARS, MI 49436-9702
Transaction Type	Mortgage
Record Updated	Jun 8, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11502 S MAPLE ISLAND RD, TWIN LAKE, MI 49457-9691

Mortgage

Document Number	2021/22663
Date	Aug 27, 2021
Book Page	2021/22663
Instrument	202100006025

Lender

Name	CHOICEONE BANK
Type	Bank
Address	MUSKEGON, MI 49441

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Aug 24, 2031

September 2011: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OCEANA MI
Property Address	8459 W JAY DR, MEARS, MI 49436-9702
Transaction Type	Mortgage
Record Updated	Jun 8, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2011/016889
Date	Sep 9, 2011
Book Page	2011/016889

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank
Address	COLUMBUS, OH 43229

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2009: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OCEANA MI
Property Address	8459 W JAY DR, MEARS, MI 49436-9702
Transaction Type	Mortgage
Record Updated	Jun 8, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2009/013723
Date	Jun 18, 2009
Book Page	2009/013723

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank
Address	COLUMBUS, OH 43229

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2039

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2009: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OCEANA MI
Property Address	8459 W JAY DR, MEARS, MI 49436-9702
Transaction Type	Mortgage
Record Updated	Jun 8, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2009/012182
Date	Jun 3, 2009
Book Page	2009/012182

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank
Address	COLUMBUS, OH 43235

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2039

January 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OCEANA MI
Recording Date	Jan 13, 2022
Property Address	8459 W JAY DR, MEARS, MI 49436-9690
Document Number	02022/1035
Book / Page	2022 / 1035
Map Reference	LB 4 PG 25
Instrument Date	Jan 13, 2022
Instrument	202200000230
Transaction Type	Transfer
Record Updated	Mar 1, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,497.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	8459 W JAY DR, 8459, MEARS, MI 49436-9690

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6234 SHELDON DR, HUDSONVILLE, MI 49426-7815

Mortgage

Document Number	202200000231
Date	Jan 13, 2022
Instrument	202200000231

Lender

Name	HEARTLAND HOME MORTGAGE
Type	Mortgage Company

Agreement

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

September 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OCEANA MI
Recording Date	Sep 17, 2018
Property Address	8459 W JAY DR, MEARS, MI 49436-9690
Document Number	2018/017461
Book / Page	2018 / 017461
Map Reference	LB4 PG25
Instrument Date	Sep 10, 2018
Instrument	201800005304
Transaction Type	Transfer
Record Updated	May 11, 2021

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6278 LAZY OAK TRL, 6278, MUSKEGON, MI 49442-8497

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11502 S MAPLE ISLAND RD, TWIN LAKE, MI 49457-9691
Investor	Possibly a Property Investor

Mortgage

Document Number	201800005305
Date	Sep 17, 2018
Instrument	201800005305

Lender

Name	COMMUNITY SHORES BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2048

August 2007: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OCEANA MI
Recording Date	Aug 10, 2007
Property Address	8459 W JAY DR, MEARS, MI 49436-9702
Document Number	2007/019272
Book / Page	2007 / 019272
Instrument Date	Aug 7, 2007
Transaction Type	Transfer
Record Updated	Jun 8, 2026
Title Company	OCEANA LAND TITLE AGENCY, OCEANA LAND TITLE AGENCY INC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$490.20
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4143 COTTONTAIL CT, DORR, MI 49323-9068

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	17 MILLENNIUM DR, MUSKEGON, MI 49442-1668

Mortgage

Document Number	2007019273
Date	Aug 10, 2007
Instrument	2007/019273

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2037

Interest

Rate Type	Adjustable Rate
Rate	6.75%
Change Frequency	Annually
Min Rate At Change	4.5%
Max Rate At Change	11.7%
Index	1-Year LIBOR

Tax Assessment & Valuation

Source: Oceana County assessment roll, as of October 13, 2026

Property Jurisdictions

Type	Name
State	Michigan
County	Oceana County
County Subdivision	Golden Township
Unified School District	Hart Public School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$184,800 (+7.25%) Land $184,800	$369,600 (+7.25%) Land $369,600
2025	$6,331.00 (+1.67%)	$172,300 (+38.28%) Land $172,300	$344,600 (+38.28%) Land $344,600
2024	$6,227.00 (+60.82%)
2023		$124,600 Land $124,600	$249,200 (-) Land $249,200
2022	$3,872.00		$249,200

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
Nearest Special Flood Hazard Area	Zone A, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	3 (1986–1997)
Most Recent Claim	Sep 1997 · rainfall accumulation

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	Indirect within ember reach
Adjoins Burnable Land	Yes

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

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

May also be available: Frontier.

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