For Sale
840 Spencer Street NE, Grand Rapids, MI 49505
$264,000
MLS # 26028485 (Michigan Regional Information Center (MichRIC))
3 beds1 bath1,176 sqftBuilt 18900.14 acres
1 / 36
Listing Description
Welcome to 840 Spencer Street NE, a move-in ready 3 bedroom home in the heart of Creston, just minutes from Riverside Park, Creston's restaurants and shops, and downtown Grand Rapids. Fully renovated in 2021 and meticulously improved since, this home blends classic 1890s character with modern updates throughout. The spacious kitchen is the showstopper, featuring a large center island with butcher block top, stainless appliances, and abundant cabinet space, open to a bright dining area perfect for entertaining. High ceilings and fresh carpet carry through the generous living spaces, and the shiplap mudroom off the kitchen adds everyday function with style. Main floor bedroom and full bath, with two additional bedrooms upstairs. Major updates already done: central air (2021, transferable 10 year warranty), tankless water heater, whole home water filtration, French drain, LeafFilter gutters with lifetime warranty, steel entry doors, privacy fence, new concrete patio and driveway.
Source: SparkMLS
About this home
This 3-bedroom, 1-bath, 1,176 sq ft home built in 1890 sits in Grand Rapids in Grand Rapids.
Asking $264,000 (about $224/sq ft).
Estimated annual property tax: $2,704, or about $225 monthly. Tax figure is from the MLS listing record; verify with the county treasurer for the most current amount.
Electric service is provided by Consumers Energy Company; natural gas by DTE Gas Company.
Listing Property Details
Property TypeResidential
Property SubtypeSingle Family Residence
Bedrooms3
Bathrooms1
Living Area1,176 sqft
Lot Size0.14 acres
Year Built1890
Stories2
Location
CityGrand Rapids
MunicipalityCity of Grand Rapids
Zip Code49505
CountyKent
School DistrictGrand Rapids
Construction & Systems
StyleTraditional
ConstructionVinyl Siding
BasementFull
Garage1 space
HeatingForced Air
WaterPublic
SewerPublic
UtilitiesPhone Available, Electricity Available, Cable Available, Natural Gas Connected
InteriorCeiling Fan(s), Center Island
Sale & Financing
Listed6/10/2026
Original Price$269,900
Terms AcceptedCash, FHA, VA Loan, MSHDA, Conventional
Source: SparkMLS
Tax Information
Annual Tax$2,704
Tax Year2025
State Equalized Value$100,000
Taxable Value$82,998
Assessed Value$80,816
Parcel #411417352061
Source: Public Records
Legal Description
E 132 FT OF W 485.1 FT OF NW 1/4 OF SW 1/4 OF* SEC 17 T7N R11W* LYING S OF S LINE SPENCER ST EXCEPT E 44 FT THEREOF /28/100 ACRES/
Property Records
FEMA Flood Zone: Zone X — Minimal flood risk
Source: FEMA NFHLUSDA Rural Development: Not Eligible
Verify eligibility at USDAListed by Alexia Hoffman
EXP Realty LLC
Frequently Asked Questions about 840 Spencer Street NE, Grand Rapids, MI 49505
Which school district serves 840 Spencer Street NE, Grand Rapids, MI 49505?
Per MLS# 26028485, 840 Spencer Street NE, Grand Rapids, MI 49505 is in the Grand Rapids boundaries. School district assignments are determined by property location and may differ from the mailing city. Contact Grand Rapids directly to confirm enrollment eligibility.
Can I use FHA or VA financing for this property?
Per MLS# 26028485, this listing accepts Cash, FHA, VA Loan, MSHDA, Conventional financing. FHA financing can offer lower down payment requirements for qualified buyers. Financing acceptance is subject to change — confirm with the listing agent.
What are the property taxes at 840 Spencer Street NE, Grand Rapids, MI 49505?
Per public tax records, annual property taxes for this property are $2,704 (2025). Michigan property taxes are based on a property's taxable value multiplied by the local millage rate. Primary residences qualify for a homestead exemption that lowers the rate.
Can I use a USDA Rural Development loan for this property?
Per USDA Rural Development boundary data, 840 Spencer Street NE, Grand Rapids, MI 49505 is not in an eligible area. USDA eligibility is based on property location — properties within designated urban zones are excluded. Other low-down-payment options (FHA, VA) may still be available.
Is 840 Spencer Street NE, Grand Rapids, MI 49505 in a flood zone?
Per FEMA flood maps, this property is designated as Zone X, a minimal-risk flood area. Flood insurance is not typically required in this zone but may still be advisable. FEMA flood maps are updated periodically — verify the current designation at msc.fema.gov.
What utilities serve 840 Spencer Street NE, Grand Rapids, MI 49505?
Per Michigan Public Service Commission service territory data: Electric: Consumers Energy Company. Gas: DTE Gas Company. Sewer: Public. Water: Public. Confirm service details directly with providers.
What is the crime rate in this area?
For crime and public safety data, we recommend inquiring directly with the City of Grand Rapids police department or the Kent County sheriff's office.
Map
Mortgage Calculator
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Monthly payment$1,712
Principal & interest$1,712
Estimate only. Does not include PMI or other fees. Consult a lender for exact rates.
Utilities
Consumers Energy Company
Investor-Owned
DTE Gas Company
Investor-Owned
MI Public Service Commission service territory boundaries.
Property
840 Spencer Street NE, Grand Rapids, MI 49505
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Municipality
Grand Rapids
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