1045 Park St, Pentwater, MI 49449 Property Records

Oceana County property record for 1045 Park St, Pentwater, MI 49449

Property Summary

Property Type	Single Family Home
Lot Size	0.492 acres (21,466 sqft)
Owner	Individual Name on Record
Last Sale	$60,000 (Mar 2005)
Tax Bill	$5,157 (2025)
Deeds & Mortgages	May 2023 Construction Loan Sep 2022 Transfer
Flood Zone	Zone X (minimal risk)
APN	`044-620-121-60`

Property Details

APN / Parcel Number

Primary APN	`044-620-121-60`

Exterior

Lot Area	21,466 sqft (0.492 acres)

Location & Zoning

Street Address	1045 PARK ST
City	PENTWATER
State	MI
Zip	49449-7548
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	1045 E PARK ST WD-L2005P8282 AFF-L2005P9634 SEC 14 T16N R18W. OFFICIAL MAP PLAT D VILLAGE OF PENTWATER COM 104.5 FT E OF NW C
Legal Range	18W
Legal Township	16N
Legal Section	14
Legal Subdivision	PLAT D
Legal Block	121
Jurisdiction	OCEANA MI
Township / Civil Division	PENTWATER
Census Block Group	1
Census Block	1067
Census Tract	10800

Owner

Source: Oceana 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	Individual Name on Record
Mailing Address	1045 PARK ST, PENTWATER, MI 49449-7548
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 23, 2023	Deed of Trust, Mortgage · Construction Mortgage LAKE MICHIGAN CU
Sep 6, 2022	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 29, 2005 · Amount on Record
Deed Sale	Mar 29, 2005 · Amount on Record
Deed Book / Page	2005 / 8282
Record Updated	Oct 29, 2026

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OCEANA MI
Property Address	1045 PARK ST, PENTWATER, MI 49449-9331
Transaction Type	Mortgage
Record Updated	Jun 16, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02023/8663
Date	May 23, 2023
Book Page	2023/8663
Instrument	202300002565

Lender

Name	LAKE MICHIGAN CU
Type	Credit Union
Address	GRAND RAPIDS, MI 49546

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	373 Months
Due	Jun 1, 2054

Interest

Rate Type	Adjustable Rate
Rate	6.5%
Adjustable	Adjustable Rate Rider
Type Change Date	Jun 1, 2031
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	11.5%
Index	1-Year CMT
Max Rate	11.5%

September 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OCEANA MI
Recording Date	Sep 6, 2022
Property Address	1045 PARK ST, PENTWATER, MI 49449-9331
Document Number	2022/18701
Book / Page	2022 / 18701
Instrument Date	Sep 6, 2022
Instrument	202200005224
Transaction Type	Transfer
Record Updated	Aug 17, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	495 SANDS ST, PENTWATER, MI 49449-9546

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1045 PARK ST, PENTWATER, MI 49449-9331

Tax Assessment & Valuation

Source: Oceana County assessment roll, as of October 13, 2026

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$204,100 (-4.54%) Land $204,100	$408,200 (-4.54%) Land $408,200
2025	$5,157.00 (+473.64%) Homeowner's exemption	$213,800 (+383.71%) Land $213,800	$427,600 (+383.71%) Land $427,600
2023		$44,200 Land $44,200	$88,400 (-) Land $88,400
2022	$899.00		$88,400

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 August 23, 2021 · OpenFEMA NFIP redacted claims and policies, as of September 2026

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

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.

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	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 138 locations within half a mile, as of December 31, 2025

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

May also be available: Frontier.

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