1015 Oak Cluster Ct, Howell, MI 48855 Property Records

Livingston County property record for 1015 Oak Cluster Ct, Howell, MI 48855

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,200 sqft · built 1999
Lot Size	0.308 acres (13,416 sqft)
Owner	2 Individual Names on Record
Last Sale	$211,300 (Jul 1999)
Tax Bill	$4,128 (2025)
Deeds & Mortgages	Aug 2023 Second Mortgage Dec 2021 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`17-26-101-021`

Property Details

APN / Parcel Number

Primary APN	`17-26-101-021`
Alternative APN	`471726101021`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,200 sqft Living Area
1st Floor Area	1,228 sqft
Basement Area	1,228 sqft
Unfinished Basement	1,228 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	13,416 sqft (0.308 acres)
Garage Area	481 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	64 sqft
Patio Area	500 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	1015 OAK CLUSTER CT
City	HOWELL
State	MI
Zip	48855-6821
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 LOT 21
Legal Range	04E
Legal Township	03N
Legal Section	26
Legal Subdivision	ROLLING OAKS
Legal Tract	725000
Legal Lot Number	21
Jurisdiction	LIVINGSTON MI
Township / Civil Division	HOWELL
Census Block Group	1
Census Block	1000
Census Tract	725000

Owner

Source: Livingston County records, as of August 17, 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	1015 OAK CLUSTER CT, HOWELL, MI 48855-6821
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 10, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage LAKE TRUST CU
Dec 9, 2021	Deed of Trust, Mortgage · Conventional Mortgage PREMIER PROCESSING LLC
Apr 20, 2021	Deed of Trust, Mortgage · FHA Mortgage QUICKEN LOANS LLC
Jul 14, 2020	Deed of Trust, Mortgage · FHA Mortgage QUICKEN LNS
Oct 10, 2019	Deed of Trust, Mortgage · FHA Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 28, 1999 · Amount on Record
Deed Sale	Jul 28, 1999 · Amount on Record
Deed Book / Page	2627 / 155
Prior Transfer Date	Mar 8, 1999
Prior Transfer Doc	0025550427
Record Updated	Sep 20, 2026

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LIVINGSTON MI
Property Address	1015 OAK CLUSTER CT, HOWELL, MI 48855-6821
Transaction Type	Mortgage
Record Updated	Aug 24, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1015 OAK CLUSTER CT, HOWELL, MI 48855-6821

Mortgage

Document Number	0000014912
Date	Aug 10, 2023
Instrument	2023R-014912

Lender

Name	LAKE TRUST CU
Type	Credit Union
Address	BRIGHTON, MI 48114

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Aug 24, 2043

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LIVINGSTON MI
Property Address	1015 OAK CLUSTER CT, HOWELL, MI 48855-6821
Transaction Type	Mortgage
Record Updated	Dec 28, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1015 OAK CLUSTER CT, HOWELL, MI 48855-6821

Mortgage

Document Number	0000049138
Date	Dec 9, 2021
Instrument	2021R-049138

Lender

Name	PREMIER PROCESSING LLC
Type	Non-Lending Institution
Address	PHILADELPHIA, PA 19103

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2052

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LIVINGSTON MI
Property Address	1015 OAK CLUSTER CT, HOWELL, MI 48855-6821
Transaction Type	Mortgage
Record Updated	May 6, 2021
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1015 OAK CLUSTER CT, HOWELL, MI 48855-6821

Mortgage

Document Number	2021R018072
Date	Apr 20, 2021
Instrument	2021R-018072

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	352 Months
Due	Aug 1, 2050

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LIVINGSTON MI
Property Address	1015 OAK CLUSTER CT, HOWELL, MI 48855-6821
Document Number	0000023495
Instrument Date	Jul 14, 2020
Transaction Type	Mortgage
Record Updated	Sep 8, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1015 OAK CLUSTER CT HOWELL MI 488556821, HOWELL, MI 48855-6821

Mortgage

Document Number	0000023495
Date	Jul 20, 2020
Instrument	23495

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 19, 2050

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LIVINGSTON MI
Property Address	1015 OAK CLUSTER CT, HOWELL, MI 48855-6821
Document Number	0000028139
Instrument Date	Oct 10, 2019
Transaction Type	Mortgage
Record Updated	Nov 14, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1015 OAK CLUSTER CT HOWELL MI 488556821, HOWELL, MI 48855-6821

Mortgage

Document Number	0000028139
Date	Oct 16, 2019
Instrument	28139

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 15, 2049

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		$202,700 (+18.05%)	$405,400 (+18.05%)
2025	$4,128.00 Homeowner's exemption	$171,700 (+14.31%)	$343,400 (+14.31%)
2023		$150,200
2021			$300,400

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

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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