Montcalm County property record for 9400 E Spencer Rd, Crystal, MI 48818 · Last verified August 2026
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,680 sqft · built 1997 |
| Lot Size | 22.5 acres (980,100 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $3,722 (2025) |
| Deeds & Mortgages | Nov 2023 Mortgage Aug 2021 Refinance + 1 more |
| APN | 005-003-008-41 |
| Primary APN | 005-003-008-41 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 1,680 sqft Building Perimeter |
| 1st Floor Area | 960 sqft |
| Basement Area | 960 sqft |
| Unfinished Basement | 960 sqft |
| Year Built | Built 1997 |
|---|---|
| Effective Year Built | Effective 1997 |
| Lot Area | 980,100 sqft (22.5 acres) |
| Heating System | Forced Air with A/C |
|---|
| Street Address | 9400 E SPENCER RD |
|---|---|
| City | CRYSTAL |
| State | MI |
| Zip | 48818-9750 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | PART OF NE 1/4 OF SW 1/4 COM AT W 1/4 COR OF SEC 3; TH S 89 DEG 29'14" E 1983.66 FT TO POB; TH S 89 DEG 29'14" E 661.22 FT TO |
| Legal Range | 05W |
| Legal Township | 10N |
| Legal Section | 03 |
| Jurisdiction | MONTCALM MI |
| Township / Civil Division | CRYSTAL |
| Census Block Group | 2 |
| Census Block | 2005 |
| Census Tract | 970900 |
Source: Montcalm County records · APN 005-003-008-41
Assessment roll updated July 6, 2026 · Last verified August 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 | 9400 E SPENCER RD, CRYSTAL, MI 48818-9750 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 21, 2023 | Quit Claim Deed, Transfer · FHA Mortgage UNITED WHOLESALE MORTGAGE LLC |
| Aug 02, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance EQUITY TRUST COMPANY |
| Dec 27, 2017 | Deed of Trust, Mortgage CHEMICAL BANK |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Nov 21, 2023 |
| Deed Sale | Nov 21, 2023 |
| Prior Sale | Aug 02, 2021 · Amount on Record |
| Deed Document Number | 202311159 |
| Prior Transfer Date | Nov 14, 2023 |
| Prior Transfer Doc | 2023R11159 |
| Record Updated | Sep 20, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | MONTCALM MI |
| Recording Date | Nov 21, 2023 |
| Property Address | 9400 E SPENCER RD, CRYSTAL, MI 48818-9750 |
| Document Number | 2023R11159 |
| Instrument Date | Nov 14, 2023 |
| Instrument | 2023R-11159 |
| Transaction Type | Transfer |
| Record Updated | Oct 27, 2025 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 9400 E SPENCER RD, CRYSTAL, MI 48818-9750 |
| Document Number | 2023R11160 |
|---|---|
| Date | Nov 21, 2023 |
| Instrument | 2023R-11160 |
| Name | UNITED WHOLESALE MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 301 Months |
| Due | Dec 01, 2048 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTCALM MI |
| Property Address | 9400 E SPENCER RD, CRYSTAL, MI 48818-9750 |
| Transaction Type | Mortgage |
| Record Updated | Dec 01, 2021 |
| Name | Verified Name |
|---|
| Document Number | 2021R10955 |
|---|---|
| Date | Aug 02, 2021 |
| Instrument | 2021R-10955 |
| Name | EQUITY TRUST COMPANY |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTCALM MI |
| Property Address | 9400 E SPENCER RD, CRYSTAL, MI 48818-9750 |
| Transaction Type | Mortgage |
| Record Updated | Jan 31, 2018 |
| Name | Verified Name |
|---|
| Document Number | , 0201713823 |
|---|---|
| Date | Dec 27, 2017 |
| Book Page | 2017/13823 |
| Name | CHEMICAL BANK |
|---|---|
| Type | Bank |
| Address | MIDLAND, MI 48640 |
| Amount | Amount Recorded |
|---|
Source: Montcalm County records · Assessment roll updated July 6, 2026 · Last verified August 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Montcalm County |
| County Subdivision | Crystal Township |
| Unified School District | Carson City-Crystal Area School District (KG - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $174,500 (+8.79%) | $349,000 (+8.79%) | |
| 2025 | $3,722.00 (+2.73%) | $160,400 (+19.52%) | $320,800 (+139.05%) |
| 2024 | $3,623.00 | ||
| 2023 | $134,200 | $134,200 |
Source: FEMA National Flood Hazard Layer · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | FEMA flood map data for this location is not available in our records |
|---|
| Wildfire Risk | Low above 20% of the US · above 52% of Michigan |
|---|---|
| Wildfire Likelihood | About 1 in 10,000 per year |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
Search by:
By searching, you agree to: Terms • Privacy • Disclosures