1013 Oak Cluster Dr, Howell, MI 48855 Property Records

Livingston County property record for 1013 Oak Cluster Dr, Howell, MI 48855

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 2,189 sqft · built 1999
Lot Size	0.23 acres (10,019 sqft)
Owner	2 Individual Names on Record
Last Sale	$342,000 (Jan 2023)
Tax Bill	$7,649 (2025)
Deeds & Mortgages	Jan 2023 Sale & Mortgage Jun 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`17-26-102-106`

Property Details

APN / Parcel Number

Primary APN	`17-26-102-106`
Alternative APN	`471726102106`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,189 sqft Living Area
1st Floor Area	1,179 sqft
Basement Area	1,179 sqft
Unfinished Basement	1,179 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Lot Area	10,019 sqft (0.23 acres)
Lot Dimensions	129 ft deep x 77.5 ft wide
Garage Area	532 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	153 sqft
Patio Area	396 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Municipal

Location & Zoning

Street Address	1013 OAK CLUSTER DR
City	HOWELL
State	MI
Zip	48855-7760
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUD
Legal Description	SEC 26 T3N R4E CITY OF HOWELL ROLLING OAKS SUBDIVISION NO. 2 LOT 106 SPLIT FROM 17-26-100-005
Legal Range	04E
Legal Township	03N
Legal Section	26
Legal Subdivision	ROLLING OAKS
Legal Tract	725000
Legal Lot Number	106
Jurisdiction	LIVINGSTON MI
Township / Civil Division	HOWELL
Census Block Group	1
Census Block	1000
Census Tract	725000

Owner

Source: Livingston 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	1013 OAK CLUSTER DR, HOWELL, MI 48855-7760
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 30, 2023	Warranty Deed, Transfer · Conventional Mortgage GUARANTEED RATE INC
Jun 25, 2021	Deed of Trust, Mortgage · Conventional Mortgage THE STATE BANK
Jul 16, 2021	Warranty Deed, Transfer · Conventional Mortgage MORTGAGE 1 INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 30, 2023 · Amount on Record
Deed Sale	Jan 30, 2023 · Amount on Record
Prior Sale	Jul 16, 2021 · Amount on Record
Deed Document Number	20231614
Prior Transfer Date	Jun 1, 1999
Prior Transfer Doc	2627000113
Record Updated	Oct 29, 2026

January 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LIVINGSTON MI
Recording Date	Jan 30, 2023
Property Address	1013 OAK CLUSTER DR, HOWELL, MI 48855-7760
Document Number	0000001614
Map Reference	LB 36 PG 27
Instrument Date	Jan 25, 2023
Instrument	2023R-001614
Transaction Type	Transfer
Record Updated	Feb 9, 2023
Title Company	LIBERTY TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,565.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1013 OAK CLUSTER DR, HOWELL, MI 48855-7760

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1013 OAK CLUSTER DR, HOWELL, MI 48855-7760

Mortgage

Document Number	0000001546
Date	Jan 27, 2023
Instrument	2023R-001546

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company
Address	CHICAGO, IL 60613

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2053

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LIVINGSTON MI
Property Address	1013 OAK CLUSTER DR, HOWELL, MI 48855-7760
Transaction Type	Mortgage
Record Updated	Jul 16, 2021
Title Company	CRISLO TITLE COMPANY, CISLO TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1013 OAK CLUSTER DR, HOWELL, MI 48855-7760

Mortgage

Document Number	2021R027380
Date	Jun 25, 2021
Instrument	2021R-027380

Lender

Name	THE STATE BANK
Type	Bank
Address	FENTON, MI 48430

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	3.95%
Type Change Date	Jul 1, 2028
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	5.95%
Index	1-Year CMT
Max Rate	9.95%

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LIVINGSTON MI
Recording Date	Jul 16, 2021
Property Address	1013 OAK CLUSTER DR, HOWELL, MI 48855-7760
Document Number	2021R030303
Map Reference	LB 36 PG 27-33
Instrument Date	Jul 14, 2021
Instrument	2021R-030303
Transaction Type	Transfer
Record Updated	Sep 9, 2021
Title Company	CISLO TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,512.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1013 OAK CLUSTER DR, 1013, HOWELL, MI 48855-7760

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1013 OAK CLUSTER DR, HOWELL, MI 48855-7760

Mortgage

Document Number	0000030304
Date	Jul 16, 2021
Instrument	2021R-030304

Lender

Name	MORTGAGE 1 INC
Type	Mortgage Company
Address	STERLING HEIGHTS, MI 48314

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2051

Tax Assessment & Valuation

Source: Livingston County assessment roll, as of August 17, 2026

Property Jurisdictions

Type	Name
State	Michigan
County	Livingston County
Municipality	Howell City
Unified School District	Howell Public Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$252,200 (+53.22%)	$504,400 (+53.22%)
2025	$7,649.00
2023		$164,600
2021			$329,200

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 September 17, 2008

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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	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	CITY OF HOWELL serves 9,914 people · EPA ID MI0003250
Water Source	Groundwater
Last State Inspection	Aug 2023
Lead	Under 1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 224 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Surf Internet Fiber	8,000 / 8,000
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless · DSL	100 / 20

May also be available: T-Mobile.

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