135 S Rutledge St, Pentwater, MI 49449 Property Records

Oceana County property record for 135 S Rutledge St, Pentwater, MI 49449

Property Summary

Property Type	Single Family Home
Lot Size	0.199 acres (8,672 sqft)
Owner	2 Individual Names on File
Tax Bill	$2,103 (2025)
Deeds & Mortgages	Feb 2023 Transfer Jun 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`044-699-007-00`

Property Details

APN / Parcel Number

Primary APN	`044-699-007-00`

Exterior

Lot Area	8,672 sqft (0.199 acres)

Location & Zoning

Street Address	135 S RUTLEDGE ST
City	PENTWATER
State	MI
Zip	49449-9576
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	135 S RUTLEDGE ST WD924794 QC-L2000P16894 VILLAGE OF PENTWATER - BLOCK 29 LOT 7
Legal Subdivision	VILLAGE OF PENTWATER
Legal Block	29
Legal Lot Number	7
Jurisdiction	OCEANA MI
Township / Civil Division	PENTWATER
Census Block Group	1
Census Block	1071
Census Tract	10800

Owner

135 S Rutledge St is owned and occupied by two individuals who acquired it in February 2023.

Source: Oceana County records, as of October 13, 2026

Owner of Record	2 Individual Names on File
Mailing Address	135 S RUTLEDGE ST, PENTWATER, MI 49449-9576
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Feb 15, 2023	Intrafamily Transfer, Transfer
Jun 2, 2021	Deed of Trust, Mortgage · Conventional Mortgage THE HUNTINGTON NATIONAL BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Feb 11, 2023
Transfer Doc	02023/2705
Record Updated	Oct 29, 2026

February 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OCEANA MI
Recording Date	Feb 15, 2023
Property Address	135 S RUTLEDGE ST, PENTWATER, MI 49449-9576
Document Number	02023/2705
Book / Page	2023 / 2705
Instrument Date	Feb 11, 2023
Instrument	202300000665
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

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	135 S RUTLEDGE ST, PENTWATER, MI 49449-9576

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OCEANA MI
Property Address	135 S RUTLEDGE ST, PENTWATER, MI 49449-9576
Transaction Type	Mortgage
Record Updated	Jul 22, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2021/14720
Date	Jun 2, 2021
Book Page	2021/14720
Instrument	202100004162

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank
Address	COLUMBUS, OH 43219

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Jun 1, 2036

Tax Assessment & Valuation

The 2025 property tax bill for 135 S Rutledge St was $2,103 with a homeowner's exemption, up 6.6% from the year before.

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		$184,600 (-4.55%) Land $184,600	$369,200 (-4.55%) Land $369,200
2025	$2,103.00 (+6.64%) Homeowner's exemption	$193,400 Land $193,400	$386,800 Land $386,800
2024	$1,972.00
2023		$139,900 Land $139,900	$279,800 (-) Land $279,800
2022	$1,817.00		$279,800

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

Flood

FEMA maps place 135 S Rutledge St in Zone X, an area of minimal flood risk, though there have been 7 flood claims nearby since 1997.

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 File 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

Wildfire risk around 135 S Rutledge St is low, with a 0.01% annual chance of 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	Indirect within 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	PENTWATER serves 857 people · EPA ID MI0005260
Water Source	Groundwater
Last State Inspection	Aug 2025
Lead	5 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	3 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 377 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: AT&T.

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