1042 2nd St, Pentwater, MI 49449 Property Records

Oceana County property record for 1042 2nd St, Pentwater, MI 49449

Property Summary

Property Type	Single Family Home
Owner	Individual Name on File
Tax Bill	$1,119 (2022)
Deeds & Mortgages	Oct 2022 Mortgage
Flood Zone	Zone A (high risk)
APN	`044-620-123-60`

Property Details

APN / Parcel Number

Primary APN	`044-620-123-60`

Location & Zoning

Street Address	1042 2ND ST
City	PENTWATER
State	MI
Zip	49449-8524
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	1042 E 2ND ST WD914286 QC9614087 QC9813240 SEC 14 T16N R18W. OFFICIAL MAP PLAT D VILLAGE OF PENTWATER W 65 FT OF THE E 195 FT
Legal Subdivision	PLAT D
Legal Lot Number	123
Jurisdiction	OCEANA MI
Township / Civil Division	PENTWATER
Census Block Group	1
Census Block	1067
Census Tract	10800

Owner

Source: Oceana County records · APN 044-620-123-60

Assessment roll updated March 1, 2023 · Last verified August 2023

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
Co-owner	Verified Secondary Owner
Mailing Address	1468 RAY RD, FENTON, MI 48430-9716
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Oct 25, 2022
Deed Sale	Oct 25, 2022
Deed Document Number	202200006095
Deed Book / Page	2022 / 22204
Record Updated	Jun 07, 2026

October 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OCEANA MI
Recording Date	Oct 25, 2022
Property Address	1042 2ND ST, PENTWATER, MI 49449-8524
Document Number	2022/22204
Book / Page	2022 / 22204
Instrument Date	Oct 21, 2022
Instrument	202200006095
Transaction Type	Transfer
Record Updated	Nov 14, 2022
Title Company	NOT AVAILABLE, OCEANA LND TITLE & ESCROW

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1042 2ND ST, 1042, PENTWATER, MI 49449-8524

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	1468 RAY RD, FENTON, MI 48430-9716

Mortgage

Document Number	202200006096
Date	Oct 25, 2022
Instrument	202200006096

Lender

Name	FIRST STATE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 01, 2052

Interest

Rate Type	Adjustable Rate
Rate	4.99%
Adjustable	Adjustable Rate Rider
Type Change Date	Nov 01, 2027
Change Frequency	Annually
Min Rate At Change	4.99%
Max Rate At Change	5.99%
Index	Other
Margin	3
Max Rate	5.99%

Tax Assessment & Valuation

Source: Oceana County records · Assessment roll updated March 1, 2023 · Last verified August 2023

Property Jurisdictions

Type	Name
State	Michigan
County	Oceana County
County Subdivision	Pentwater Township
Municipality	Pentwater Village
Unified School District	Pentwater Public School District (KG - 12)

Tax Bill & Assessment History

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
2023		$98,500 Land $98,500	$197,000 (-) Land $197,000
2022	$1,119.00		$197,000

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of August 23, 2021 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone A high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Not determined for this zone
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 11 individual policies
Nearby Flood Policies	28 units insured incl. 17 condo units
Nearby Flood Claims	7 (1997–2019)
Claims Outside the SFHA	2 of 7
Most Recent Claim	Nov 2019 · other causes

Wildfire

Wildfire Risk	Low lower than 80% of the US · above 51% of Michigan
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation at the parcel

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: Frontier.

Based on FCC filings for 106 locations within half a mile of this property.

Nearby Properties on 2nd St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures