91 Prospect St, Sparta, MI 49345 Property Records

Kent County property record for 91 Prospect St, Sparta, MI 49345

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 1,238 sqft · built 1942
Lot Size	0.115 acres (5,009 sqft)
Owner	Individual Name on File
Last Sale	$169,900 (Dec 2025)
Tax Bill	$2,176 (2025)
Deeds & Mortgages	Dec 2025 Sale & Mortgage Mar 2021 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`41-05-23-130-004`

Property Details

APN / Parcel Number

Primary APN	`41-05-23-130-004`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Stories	2 Stories
Building Area	1,238 sqft Living Area
1st Floor Area	660 sqft
Basement Area	660 sqft

Exterior

Year Built	Built 1942
Effective Year Built	Effective 1942
Lot Area	5,009 sqft (0.115 acres)
Lot Dimensions	100 ft deep x 50 ft wide

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	91 PROSPECT ST
City	SPARTA
State	MI
Zip	49345-1431
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	VR2
Legal Description	LOT 4 BLK 12 * NASH'S FIRST ADD
Legal Subdivision	NASHS FIRST ADD
Legal Block	12
Legal Lot Number	4
Jurisdiction	KENT MI
Township / Civil Division	SPARTA
Census Block Group	2
Census Block	2012
Census Tract	10402

Owner

91 Prospect St is owned by an individual who bought it in December 2025.

Source: Kent County records, as of September 18, 2026

Owner of Record	Individual Name on File
Mailing Address	2765 PINERIDGE CT NW, 101, GRAND RAPIDS, MI 49534-7514
Owner Type	Individual
Vesting	Married

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
Dec 9, 2025	Deed, Transfer · Conventional Mortgage NAVY FCU
Mar 19, 2021	Warranty Deed, Transfer · Conventional Mortgage TOP FLITE FINANCIAL INC
Jan 10, 2019	Correction Deed, Transfer SUN TITLE AGENCY/MI LLC
Dec 14, 2018	Warranty Deed, Transfer · Conventional Mortgage MICHIGAN ST HSNG DEV AUTH

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 9, 2025 · Amount on File
Deed Sale	Dec 9, 2025 · Amount on File
Prior Sale	Jul 26, 2024 · Amount on File
Deed Document Number	202579719
Prior Transfer Date	Feb 20, 2025
Prior Transfer Doc	0000011758
Record Updated	Oct 29, 2026

December 2025: Deed, Transfer

Document Type	Deed
Jurisdiction	KENT MI
Recording Date	Dec 9, 2025
Property Address	91 PROSPECT ST, SPARTA, MI 49345-1431
Document Number	0000079719
Map Reference	LB 2 PG 92
Instrument Date	Nov 11, 2025
Instrument	20251209-0079719
Transaction Type	Transfer
Record Updated	Dec 22, 2025

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,275.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4425 S DE LEON BLVD, CORAL GABLES, FL 33146

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2765 PINERIDGE CT NW # 101, 101, GRAND RAPIDS, MI 49534-7514

Mortgage

Document Number	0000079720
Date	Dec 9, 2025
Instrument	20251209-0079720

Lender

Name	NAVY FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2055

March 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENT MI
Recording Date	Mar 19, 2021
Property Address	91 PROSPECT ST, SPARTA, MI 49345-1431
Document Number	0000033001
Map Reference	LB 2 PG 92
Instrument Date	Mar 5, 2021
Instrument	20210319-0033001
Transaction Type	Transfer
Record Updated	May 21, 2021
Title Company	IRONGATE TITLE AGENCY LLC

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,264.20
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	157 VINE ST, 157, SPARTA, MI 49345-1319

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4842 HEIDE AVE NW, COMSTOCK PARK, MI 49321-8934

Mortgage

Document Number	0000033002
Date	Mar 19, 2021
Instrument	20210319-0033002

Lender

Name	TOP FLITE FINANCIAL INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2051

January 2019: Correction Deed, Transfer

Document Type	Correction Deed
Jurisdiction	KENT MI
Recording Date	Jan 10, 2019
Property Address	91 PROSPECT ST, SPARTA, MI 49345-1431
Document Number	0000002432
Instrument Date	Dec 12, 2018
Instrument	2432
Transaction Type	Transfer
Record Updated	Feb 1, 2019
Title Company	SUN TITLE AGENCY/MI LLC

Transaction

Amount	Amount on Record
Tax	$1,057.80
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10412 S FERRIS AVE GRANT MI 493279609, GRANT, MI 49327-9609

December 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENT MI
Recording Date	Dec 14, 2018
Property Address	91 PROSPECT ST, SPARTA, MI 49345-1431
Document Number	0000097353
Instrument Date	Dec 12, 2018
Instrument	97353
Transaction Type	Transfer
Record Updated	Feb 1, 2019
Title Company	SUN TITLE AGENCY/MI LLC

Transaction

Amount	Amount on Record
Tax	$1,057.80
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10412 S FERRIS AVE GRANT MI 493279609, GRANT, MI 49327-9609

Mortgage

Document Number	97355
Date	Dec 14, 2018
Instrument	97355

Lender

Name	MICHIGAN ST HSNG DEV AUTH
Address	LANSING, MI 48912

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Mortgage

Document Number	97354,
Date	Dec 14, 2018
Instrument	97354

Lender

Name	MICHIGAN MUTUAL
Type	Funding / Finance Company
Address	PORT HURON, MI 48060

Agreement

Amount	Amount on Record
Term	360 Months
Due	Dec 13, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 91 Prospect St was $2,176.

Source: Kent County assessment roll, as of September 18, 2026

Property Jurisdictions

Type	Name
State	Michigan
County	Kent County
County Subdivision	Sparta Township
Municipality	Sparta Village
Unified School District	Sparta Area Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$84,600 (-5.26%)	$169,200 (-5.26%)
2025	$2,176.00	$89,300	$178,600
2023	$2,016.00	$74,200	$148,400
2019	$1,522.00

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 91 Prospect St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective January 1, 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 91 Prospect St is low, with 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 80% of the US · above 51% of Michigan
Wildfire Likelihood	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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	SPARTA serves 4,140 people · EPA ID MI0006200
Water Source	Groundwater
Last State Inspection	Jul 2025
Lead	2 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 272 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Surf Internet Fiber	8,000 / 8,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Mercury Fiber.

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