8899 E M 20, Hesperia, MI 49421 Property Records

Oceana County property record for 8899 E M 20, Hesperia, MI 49421

Property Summary

Property Type	Single Family Home
Lot Size	0.329 acres (14,354 sqft)
Owner	2 Individual Names on Record
Last Sale	$90,000 (Dec 2006)
Tax Bill	$1,086 (2025)
Deeds & Mortgages	Jul 2006 Mortgage Oct 2023 Transfer + 1 more
Flood Zone	Zone A (high risk)
APN	`014-700-015-00`

Property Details

APN / Parcel Number

Primary APN	`014-700-015-00`

Exterior

Lot Area	14,354 sqft (0.329 acres)

Location & Zoning

Street Address	8899 E M 20
City	HESPERIA
State	MI
Zip	49421-8926
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	8899 E M-20 WD-L2006P36184 TRUMAN'S RIVERSIDE SUBDIVISION LOTS 15 & 16
Legal Subdivision	TRUMAN'S RIVERSIDE SUBDIVISION
Legal Lot Number	15-16
Jurisdiction	OCEANA MI
Township / Civil Division	NEWFIELD
Census Block Group	2
Census Block	2013
Census Tract	10600

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	8899 E M 20, HESPERIA, MI 49421-8926
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 28, 2006	Deed of Trust, Mortgage GERBER FCU
Oct 5, 2023	Intrafamily Transfer, Transfer
Dec 21, 2006	Warranty Deed, Transfer · ARM INDEPENDENT MORTGAGE CO WEST MICHIG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 21, 2006 · Amount on Record
Deed Sale	Dec 21, 2006 · Amount on Record
Deed Book / Page	2006 / 36184
Last Transfer Date	Oct 3, 2023
Transfer Doc	2023/17539
Record Updated	Oct 29, 2026

July 2006: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OCEANA MI
Property Address	8899 E M 20, HESPERIA, MI 49421-8926
Transaction Type	Mortgage
Record Updated	Jun 8, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	2006/021935
Date	Jul 28, 2006
Book Page	2006/021935

Lender

Name	GERBER FCU
Address	508 STATE ST, FREMONT, MI 49412

Agreement

Amount	Amount Recorded
Term	180 Months
Due	Jul 15, 2021

October 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OCEANA MI
Recording Date	Oct 5, 2023
Property Address	8899 E M 20, HESPERIA, MI 49421-8926
Document Number	2023/17539
Book / Page	2023 / 17539
Instrument Date	Oct 3, 2023
Instrument	202300004848
Transaction Type	Transfer
Record Updated	Nov 13, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	8899 E M 20, HESPERIA, MI 49421-8926

December 2006: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OCEANA MI
Recording Date	Dec 21, 2006
Property Address	8899 E M 20, HESPERIA, MI 49421-8926
Document Number	2006/036184
Book / Page	2006 / 036184
Instrument Date	Nov 27, 2006
Transaction Type	Transfer
Record Updated	Jun 8, 2026
Title Company	NEWAYGO COUNTY TITLE AND ESCROW, NEWAYGO COUNTY TITLE & ESCRO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$774.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	210 CLEVELAND AVE # AVE3B, AVE3B, KINGS MOUNTAIN, NC 28086-3196

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8899 E M 20, HESPERIA, MI 49421-8926

Mortgage

Document Number	2006036185
Date	Dec 21, 2006
Instrument	2006/036185

Lender

Name	INDEPENDENT MORTGAGE CO WEST MICHIG
Type	Mortgage Company

Agreement

Type	ARM
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2036

Interest

Rate Type	Adjustable Rate
Rate	8.25%
Change Frequency	Annually
Min Rate At Change	3.87%
Max Rate At Change	14.2%
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	Newfield Township
Unified School District	Hesperia Community Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$64,600 (+37.15%) Land $64,600	$129,200 (+37.15%) Land $129,200
2025	$1,086.00 (+2.26%) Homeowner's exemption	$47,100 (+15.16%) Land $47,100	$94,200 (+15.16%) Land $94,200
2024	$1,062.00 (+10.17%)
2023		$40,900 Land $40,900	$81,800 (-) Land $81,800
2022	$964.00		$81,800

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

Source: FEMA National Flood Hazard Layer, effective August 23, 2021 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone A high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Not determined for this zone
Flood Insurance Requirement	Required federally backed loans
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 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 92 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 / 35
Verizon Fixed Wireless	300 / 20

May also be available: NCATS.

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