8872 E Spencer Rd, Crystal, MI 48818 Property Records

Montcalm County property record for 8872 E Spencer Rd, Crystal, MI 48818

Property Summary

Property Type	Single Family Home
Details	1 ba · 5,200 sqft · built 2017
Lot Size	9.86 acres (429,719 sqft)
Owner	Individual Name on File
Last Sale	$415,000 (Sep 2020)
Tax Bill	$6,633 (2025)
Deeds & Mortgages	May 2017 Construction Loan Sep 2020 Sale & Mortgage + 1 more
APN	`005-004-009-40`

Property Details

APN / Parcel Number

Primary APN	`005-004-009-40`

Interior

Full Baths	1 Bath
Building Area	5,200 sqft Building Perimeter
1st Floor Area	2,680 sqft

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
Lot Area	429,719 sqft (9.86 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	8872 E SPENCER RD
City	CRYSTAL
State	MI
Zip	48818-7600
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	NONE
Legal Description	SPLIT 12/05/97 FROM 004-009-02, 004-009-02/97, 004-009-00/96 PART OF N 1/2 OF SE 1/4 BEG 363 FT W OF NE COR THEREOF, TH W 330
Legal Range	05W
Legal Township	10N
Legal Section	04
Jurisdiction	MONTCALM MI
Township / Civil Division	CRYSTAL
Census Block Group	2
Census Block	2005
Census Tract	970900

Owner

Source: Montcalm County assessment roll, as of July 6, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Mailing Address	8872 E SPENCER RD, CRYSTAL, MI 48818-7600
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 25, 2017	Deed of Trust, Mortgage · Construction Mortgage SIDNEY STATE BANK
Sep 25, 2020	Warranty Deed, Transfer · Stand-Alone First Mortgage BM REAL ESTATE SERVICE INC
May 25, 2017	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Sep 25, 2020 · Amount on Record
Deed Sale	Sep 25, 2020 · Amount on Record
Prior Sale	May 25, 2017 · Amount on Record
Deed Document Number	202010455
Record Updated	Sep 20, 2026

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTCALM MI
Property Address	8872 E SPENCER RD, CRYSTAL, MI 48818-7600
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2017/06021
Date	May 25, 2017
Book Page	2017/06021

Lender

Name	SIDNEY STATE BANK
Type	Bank
Address	SIDNEY, MI 48885

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	12 Months
Due	May 17, 2018

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONTCALM MI
Recording Date	Sep 25, 2020
Property Address	8872 E SPENCER RD, CRYSTAL, MI 48818-7600
Document Number	2020R10455
Instrument Date	Sep 11, 2020
Instrument	2020R10455
Transaction Type	Transfer
Record Updated	Jun 22, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
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	8872 E SPENCER RD, CRYSTAL, MI 48818-7600
Investor	Possibly a Property Investor

Mortgage

Document Number	2020R10456
Date	Sep 25, 2020
Instrument	2020R-10456

Lender

Name	BM REAL ESTATE SERVICE INC

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Oct 1, 2035

May 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONTCALM MI
Recording Date	May 25, 2017
Property Address	8872 E SPENCER RD, CRYSTAL, MI 48818-7600
Document Number	2017/6020
Book / Page	2017 / 6020
Instrument Date	May 17, 2017
Transaction Type	Transfer
Record Updated	Jun 22, 2021

Transaction

Amount	Amount Recorded
Tax	$72.60
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 144, CRYSTAL, MI 48818-0144

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8872 E SPENCER RD, CRYSTAL, MI 48818-7600

Tax Assessment & Valuation

Source: Montcalm County assessment roll, as of July 6, 2026

Property Jurisdictions

Type	Name
State	Michigan
County	Montcalm County
County Subdivision	Crystal Township
Unified School District	Carson City-Crystal Area School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$331,100 (+7.57%)	$662,200 (+7.57%)
2025	$6,633.00 (+3.19%)	$307,800 (+25.94%)	$615,600 (+151.88%)
2024	$6,428.00
2023		$244,400	$244,400

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 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Not on file
Nearby Flood Claims	2 (1983)
Most Recent Claim	Aug 1983 · tidal / storm surge

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 at the parcel

Internet Providers

Source: FCC Broadband Data Collection, based on 20 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
Point Broadband Fiber Holding Fixed Wireless	100 / 20

May also be available: CMS Internet.

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