Livingston County property record for 1114 Oak Cluster Dr, Howell, MI 48855
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,799 sqft · built 2002 |
| Lot Size | 0.215 acres (9,365 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $185,000 (Jun 2014) |
| Tax Bill | $4,380 (2025) |
| Deeds & Mortgages | Nov 2020 Mortgage Oct 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 17-26-102-121 |
| Primary APN | 17-26-102-121 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,799 sqft Living Area |
| 1st Floor Area | 959 sqft |
| Basement Area | 959 sqft |
| Unfinished Basement | 959 sqft |
| Year Built | Built 2002 |
|---|---|
| Effective Year Built | Effective 2002 |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Lot Area | 9,365 sqft (0.215 acres) |
| Lot Dimensions | 130 ft deep x 71 ft wide |
| Garage Area | 529 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Porch |
| Porch Area | 140 sqft |
| Patio Area | 224 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Street Address | 1114 OAK CLUSTER DR |
|---|---|
| City | HOWELL |
| State | MI |
| Zip | 48855-7351 |
| 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 121 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 | 121 |
| Jurisdiction | LIVINGSTON MI |
| Township / Civil Division | HOWELL |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 725000 |
Source: Livingston County records, as of August 17, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 1114 OAK CLUSTER DR, HOWELL, MI 48855-7351 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 10, 2020 | Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MORTGAGE CORP |
| Oct 30, 2020 | Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MORTGAGE CORP |
| Oct 1, 2018 | Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MTG |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 26, 2014 · Amount on Record |
| Deed Sale | Jun 26, 2014 · Amount on Record |
| Prior Sale | Dec 4, 2001 · Amount on Record |
| Deed Document Number | 201417688 |
| Prior Transfer Date | Apr 9, 2002 |
| Prior Transfer Doc | 3363000029 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LIVINGSTON MI |
| Property Address | 1114 OAK CLUSTER DR, HOWELL, MI 48855-7351 |
| Transaction Type | Mortgage |
| Record Updated | Aug 12, 2022 |
| Name | Verified Name |
|---|---|
| Address | 1114 OAK CLUSTER DR, HOWELL, MI 48855-7351 |
| Document Number | 0000041221 |
|---|---|
| Date | Nov 10, 2020 |
| Instrument | 2020R-041221 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LIVINGSTON MI |
| Property Address | 1114 OAK CLUSTER DR, HOWELL, MI 48855-7351 |
| Transaction Type | Mortgage |
| Record Updated | Aug 12, 2022 |
| Name | Verified Name |
|---|---|
| Address | 1114 OAK CLUSTER DR, HOWELL, MI 48855-7351 |
| Document Number | 0000039393 |
|---|---|
| Date | Oct 30, 2020 |
| Instrument | 2020R-039393 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LIVINGSTON MI |
| Property Address | 1114 OAK CLUSTER DR, HOWELL, MI 48855-7351 |
| Document Number | 0000027099 |
| Instrument Date | Oct 1, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Oct 24, 2018 |
| Title Company | INSPIRE CLOSING SERVICES LLC |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 1114 OAK CLUSTER DR HOWELL MI 488557351, HOWELL, MI 48855-7351 |
| Document Number | 0000027099 |
|---|---|
| Date | Oct 9, 2018 |
| Instrument | 27099 |
| Name | FREEDOM MTG |
|---|---|
| Type | Mortgage Company |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 8, 2048 |
Source: Livingston County assessment roll, as of August 17, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Livingston County |
| Municipality | Howell City |
| Unified School District | Howell Public Schools (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $204,700 (+51.85%) | $409,400 (+51.85%) | |
| 2025 | $4,380.00 | ||
| 2023 | $134,800 | ||
| 2021 | $269,600 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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 | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 97 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Surf Internet Fiber | 8,000 / 8,000 |
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T Fixed Wireless · Fiber in parts of the area | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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