1018 Oak Cluster Dr, Howell, MI 48855 Property Records

Livingston County property record for 1018 Oak Cluster Dr, Howell, MI 48855

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 1,728 sqft · built 2004
Lot Size	0.219 acres (9,540 sqft)
Owner	2 Individual Names on Record
Last Sale	$285,000 (Aug 2020)
Tax Bill	$5,411 (2025)
Deeds & Mortgages	Aug 2020 Sale & Mortgage Feb 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`17-26-102-210`

Property Details

APN / Parcel Number

Primary APN	`17-26-102-210`
Alternative APN	`471726102210`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,728 sqft Living Area
1st Floor Area	864 sqft
Basement Area	864 sqft
Unfinished Basement	864 sqft

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Lot Area	9,540 sqft (0.219 acres)
Lot Dimensions	109 ft deep x 86 ft wide
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	85 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	1018 OAK CLUSTER DR
City	HOWELL
State	MI
Zip	48855-7315
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 210 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	210
Jurisdiction	LIVINGSTON MI
Township / Civil Division	HOWELL
Census Block Group	1
Census Block	1002
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	1018 OAK CLUSTER DR, HOWELL, MI 48855-7315
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 3, 2020	Warranty Deed, Transfer · FHA Mortgage HUNTINGTON NAT'L BK
Feb 27, 2020	Deed of Trust, Mortgage · VA Mortgage QUICKEN LNS
May 26, 2017	Warranty Deed, Transfer · VA Mortgage VETERANS UNITED HM LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 3, 2020 · Amount on Record
Deed Sale	Aug 3, 2020 · Amount on Record
Prior Sale	May 26, 2017 · Amount on Record
Deed Document Number	202025456
Record Updated	Sep 20, 2026

August 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LIVINGSTON MI
Recording Date	Aug 3, 2020
Property Address	1018 OAK CLUSTER DR, HOWELL, MI 48855-7315
Document Number	0000025456
Instrument Date	Jul 14, 2020
Instrument	25456
Transaction Type	Transfer
Record Updated	Sep 7, 2020
Title Company	AMROCK INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,451.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1018 OAK CLUSTER DR HOWELL MI 488557315, HOWELL, MI 48855-7315

Mortgage

Document Number	24058
Date	Aug 3, 2020
Instrument	24058

Lender

Name	HUNTINGTON NAT'L BK
Type	Bank
Address	COLUMBUS, OH 43235

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 2, 2050

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LIVINGSTON MI
Property Address	1018 OAK CLUSTER DR, HOWELL, MI 48855-7315
Document Number	0000007319
Instrument Date	Feb 27, 2020
Transaction Type	Mortgage
Record Updated	May 19, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1018 OAK CLUSTER DR HOWELL MI 488557315, HOWELL, MI 48855-7315

Mortgage

Document Number	0000007319
Date	Mar 9, 2020
Instrument	7319

Lender

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

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 8, 2050

May 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LIVINGSTON MI
Recording Date	May 26, 2017
Property Address	1018 OAK CLUSTER DR, HOWELL, MI 48855-7315
Document Number	0000015732
Instrument Date	May 24, 2017
Instrument	15732
Transaction Type	Transfer
Record Updated	Jul 14, 2017

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$2,124.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	29464 RUSH ST GARDEN CITY MI 481352048, GARDEN CITY, MI 48135-2048

Mortgage

Document Number	15733
Date	May 26, 2017
Instrument	15733

Lender

Name	VETERANS UNITED HM LNS
Type	Funding / Finance Company
Address	COLUMBIA, MO 65203

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 25, 2047

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		$203,800 (+51.75%)	$407,600 (+51.75%)
2025	$5,411.00
2023		$134,300
2021			$268,600

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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