8786 E Lake Dr, Hesperia, MI 49421 Property Records

Oceana County property record for 8786 E Lake Dr, Hesperia, MI 49421

Property Summary

Property Type	Single Family Home
Lot Size	1.95 acres (84,942 sqft)
Owner	2 Individual Names on File
Last Sale	$410,000 (Sep 2026)
Tax Bill	$1,761 (2025)
Deeds & Mortgages	Sep 2026 Sale & Mortgage Jul 2019 Transfer
Flood Zone	Zone X (minimal risk)
APN	`014-220-015-00`

Property Details

APN / Parcel Number

Primary APN	`014-220-015-00`

Exterior

Lot Area	84,942 sqft (1.95 acres)

Location & Zoning

Street Address	8786 E LAKE DR
City	HESPERIA
State	MI
Zip	49421
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	EDGEWATER BEACH (MC LAREN LAKE) PCL B-2 TH PT OF LOTS 15 & 16 COM AT SW COR LOT 15, TH S 89 DEG E 96 FT ALG S LN LOT 15 TO POB, TH N 141.73 FT, TH N 38 DEG E 249.33 FT, TH N 51 DEG W 4.50 FT, TH N 38 DEG E 35 FT, TH S 51 DEG E 12.28 FT, TH N 38 DEG E
Legal Subdivision	EDGEWATER BEACH
Legal Lot Number	15-16
Jurisdiction	OCEANA MI
Township / Civil Division	NEWFIELD
Census Block Group	3
Census Block	3014
Census Tract	10600

Owner

8786 E Lake Dr is owned and occupied by two individuals who bought it in September 2026.

Source: Oceana County records, as of October 16, 2026

Owner of Record	2 Individual Names on File
Mailing Address	8786 E LAKE DR, HESPERIA, MI 49421
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Couple

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
Sep 3, 2026	Warranty Deed, Transfer · Conventional Mortgage UNITED BANK OF MICHIGAN
Jul 8, 2019	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 3, 2026 · Amount on File
Deed Sale	Sep 3, 2026 · Amount on File
Prior Sale	Apr 28, 1997 · Amount on File
Deed Document Number	20265208
Deed Book / Page	2026 / 20053
Prior Transfer Date	Feb 28, 2024
Prior Transfer Doc	2024/10596
Record Updated	Oct 29, 2026

September 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OCEANA MI
Recording Date	Sep 3, 2026
Property Address	8786 E LAKE DR, HESPERIA, MI 49421
Document Number	0000005208
Book / Page	2026 / 20053
Instrument Date	Sep 1, 2026
Instrument	20265208
Transaction Type	Transfer
Record Updated	Oct 16, 2026
Title Company	SUN TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8786 E LAKE DR, HESPERIA, MI 49421

Mortgage

Document Number	0000005209,
Date	Sep 3, 2026
Book Page	2026/20056
Instrument	20265209

Lender

Name	UNITED BANK OF MICHIGAN

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

July 2019: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OCEANA MI
Recording Date	Jul 8, 2019
Property Address	8786 E LAKE DR, HESPERIA, MI 49421
Document Number	2019/011679
Book / Page	2019 / 011679
Instrument Date	May 2, 2019
Instrument	201900003855
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	W450 BUEHLER VALLEY RD, W450, FOUNTAIN CITY, WI 54629-7519

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11120 14TH AVE NW, GRAND RAPIDS, MI 49534-9580

Tax Assessment & Valuation

The 2025 property tax bill for 8786 E Lake Dr was $1,761, up 2.6% 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	Newfield Township
Unified School District	Hesperia Community Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$151,900 (+8.66%) Land $151,900	$303,800 (+8.66%) Land $303,800
2025	$1,761.00 (+2.56%)	$139,800 Land $139,800	$279,600 Land $279,600
2024	$1,717.00
2023		$108,200 Land $108,200	$216,400 (-) Land $216,400
2022	$1,558.00		$216,400

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

FEMA maps place 8786 E Lake Dr in Zone X, an area of minimal flood risk.

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
Nearby Flood Policies	1 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 8786 E Lake 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 94% of the US · lower than 87% 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 37 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Truestream Fiber	1,000 / 1,000
Spectrum Fiber	1,000 / 1,000
NCATS Fixed Wireless	100 / 20

Cell Coverage

4G LTE (outdoors only), no 5G reported

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