8965 E Arthur Rd, Hesperia, MI 49421 Property Records

Oceana County property record for 8965 E Arthur Rd, Hesperia, MI 49421

Property Summary

Property Type	Rural Home
Details	1,600 sqft · built 1975
Lot Size	3.24 acres (141,134 sqft)
Owner	Individual Name on Record
Last Sale	$415,000 (May 2026)
Tax Bill	$3,228 (2025)
Deeds & Mortgages	Nov 2022 Line of Credit May 2026 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`019-012-100-03`

Property Details

APN / Parcel Number

Primary APN	`019-012-100-03`

Interior

Building Area	1,600 sqft Gross Area
1st Floor Area	1,266 sqft
Basement Area	338 sqft

Exterior

Year Built	Built 1975
Effective Year Built	Effective 1975
Architectural Style	Contemporary
Lot Area	141,134 sqft (3.24 acres)
Garage Area	1,600 sqft
Parking Spaces	6 Parking Spaces
Total Buildings	3 Buildings

Location & Zoning

Street Address	9060 E CLEVELAND RD
City	HESPERIA
State	MI
Zip	49421-9577
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	SEC 12 T13N R15W -3.2 A M/L- PART OF SW 1/4 DESC AS: COM ON S SEC LN 472.15 FT W OF S 1/4 COR FOR POB; TH W ALG SD LN 252.63
Legal Range	15W
Legal Township	13N
Legal Section	12
Jurisdiction	OCEANA MI
Township / Civil Division	GREENWOOD
Census Block Group	2
Census Block	2066
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	Individual Name on Record
Mailing Address	8900 E CLEVELAND RD, HESPERIA, MI 49421-9577
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 14, 2022	Deed of Trust, Mortgage · Line of Credit GERBER FCU
May 6, 2026	Warranty Deed, Transfer · FHA Mortgage MORTGAGE 1 INCORPORATED
May 6, 2026	Warranty Deed, Transfer · FHA Mortgage MORTGAGE 1 INCORPORATED
Mar 26, 2025	Intrafamily Transfer, Transfer LIGHTHOUSE TITLE INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 6, 2026 · Amount on Record
Deed Sale	May 6, 2026 · Amount on Record
Deed Document Number	20262784
Deed Book / Page	2026 / 9762
Prior Transfer Date	Mar 20, 2025
Prior Transfer Doc	02025/5380
Record Updated	Oct 29, 2026

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OCEANA MI
Property Address	8965 E ARTHUR RD, HESPERIA, MI 49421-9578
Transaction Type	Mortgage
Record Updated	Jun 18, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8900 E CLEVELAND RD, HESPERIA, MI 49421-9577

Mortgage

Document Number	2022/23406
Date	Nov 14, 2022
Book Page	2022/23406
Instrument	202200006438

Lender

Name	GERBER FCU
Type	Credit Union
Address	FREMONT, MI 49412

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Nov 13, 2037

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OCEANA MI
Recording Date	May 6, 2026
Property Address	8965 E ARTHUR RD, HESPERIA, MI 49421-9578
Document Number	0000002784
Book / Page	2026 / 9762
Instrument Date	May 4, 2026
Instrument	20262784
Transaction Type	Transfer
Record Updated	Jun 15, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
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	8900 E CLEVELAND RD, HESPERIA, MI 49421-9577

Mortgage

Document Number	0000002785,
Date	May 6, 2026
Instrument	20262785

Lender

Name	MORTGAGE 1 INCORPORATED

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2056

Interest

Rate	6.38%
Max Rate	-1%

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OCEANA MI
Recording Date	May 6, 2026
Property Address	8965 E ARTHUR RD, HESPERIA, MI 49421-9578
Document Number	02026/9762
Book / Page	2026 / 9762
Instrument Date	May 4, 2026
Instrument	20262784
Transaction Type	Transfer
Record Updated	Sep 1, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
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	8900 E CLEVELAND RD, HESPERIA, MI 49421-9577

Mortgage

Document Number	0000002785,
Date	May 6, 2026
Book Page	2026/9765
Instrument	20262785

Lender

Name	MORTGAGE 1 INCORPORATED

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2056

Interest

Max Rate	-1%

March 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OCEANA MI
Recording Date	Mar 26, 2025
Property Address	8965 E ARTHUR RD, HESPERIA, MI 49421-9578
Document Number	02025/5380
Book / Page	2025 / 5380
Instrument Date	Mar 20, 2025
Instrument	202500001470
Transaction Type	Transfer
Record Updated	Jun 18, 2026
Title Company	LIGHTHOUSE TITLE INC

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	8900 E CLEVELAND RD, HESPERIA, MI 49421-9577

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8900 E CLEVELAND RD, HESPERIA, MI 49421-9577

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Michigan
County	Oceana County
County Subdivision	Greenwood Township
Unified School District	Hesperia Community Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$107,600 (-3.76%) Land $5,300 Building $102,300	$215,200 (-3.76%) Land $10,600 Building $204,600
2025	$3,228.00 (+2.41%) Homeowner's exemption	$111,800 (+32.46%) Land $5,000 Building $106,800	$223,600 (+32.46%) Land $10,000 Building $213,600
2024	$3,152.00 (+1%)
2023		$84,400 Land $21,700 Building $62,700	$168,800 (-) Land $43,400 Building $125,400
2022	$1,576.00		$168,800

Assessed value is set for property tax purposes, not a market price estimate; it is 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
Flood Insurance Requirement	Not required lenders may require it
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 80% of the US · above 51% of Michigan
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation

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

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

May also be available: NCATS.

Cell Coverage

5G (outdoors only) and 4G LTE

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