Livingston County property record for 1840 Gray Rd, Howell, MI 48843 · Last verified August 2026
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 1 ba · 1,516 sqft · built 1964 |
| Lot Size | 1.24 acres (54,014 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $2,872 (2025) |
| Deeds & Mortgages | Oct 2023 Line of Credit Feb 2022 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 11-10-401-052 |
| Primary APN | 11-10-401-052 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 1 Bath |
| Building Area | 1,516 sqft Living Area |
| 1st Floor Area | 1,516 sqft |
| Basement Area | 988 sqft |
| Unfinished Basement | 1,296 sqft |
| Year Built | Built 1964 |
|---|---|
| Effective Year Built | Effective 1964 |
| Exterior Material | Wood Siding |
| Construction Type | Wood |
| Roof Type | Gable |
| Roof Material | Shingle |
| Lot Area | 54,014 sqft (1.24 acres) |
| Lot Dimensions | 360 ft deep x 150 ft wide |
| Garage Area | 900 sqft |
| Parking Spaces | 4 Parking Spaces |
| Porch | Porch |
| Porch Area | 28 sqft |
| Total Buildings | 2 Buildings |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 1840 GRAY RD |
|---|---|
| City | HOWELL |
| State | MI |
| Zip | 48843-9104 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SEC 10 T2N R5E CHEMUNG ACRES #1 LOTS 22 & 23 ALSO BEG SW COR LOT 23, TH N15*E 150 FT, TH N79*W 220.33 FT, TH S10*W 150 FT, TH |
| Legal Range | 05E |
| Legal Township | 02N |
| Legal Section | 10 |
| Legal Subdivision | CHEMUNG ACRES |
| Legal Tract | 742400 |
| Legal Lot Number | 22-23 |
| Jurisdiction | LIVINGSTON MI |
| Township / Civil Division | GENOA |
| Census Block Group | 4 |
| Census Block | 4000 |
| Census Tract | 742403 |
Source: Livingston County records · APN 11-10-401-052
Assessment roll updated August 17, 2026 · Last verified August 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 File |
|---|---|
| Mailing Address | 1840 GRAY RD, HOWELL, MI 48843-9104 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 25, 2023 | Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC |
| Feb 28, 2022 | Deed of Trust, Mortgage · VA Mortgage PENNYMAC LOAN SERVICES LLC |
| May 28, 2020 | Quit Claim Deed, Transfer · VA Mortgage GOLD STAR MTG FIN'L |
| Jul 16, 2018 | Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BK |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | May 28, 2020 |
| Deed Sale | May 28, 2020 |
| Prior Sale | Apr 02, 2015 · Amount on Record |
| Deed Document Number | 202016461 |
| Prior Transfer Date | May 22, 2020 |
| Prior Transfer Doc | 0000016461 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LIVINGSTON MI |
| Property Address | 1840 GRAY RD, HOWELL, MI 48843-9104 |
| Transaction Type | Mortgage |
| Record Updated | Nov 10, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0000019738 |
|---|---|
| Date | Oct 25, 2023 |
| Instrument | 2023R-019738 |
| Name | FIGURE LENDING LLC |
|---|---|
| Type | Mortgage Company |
| Address | CHARLOTTE, NC 28202 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 15, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LIVINGSTON MI |
| Property Address | 1840 GRAY RD, HOWELL, MI 48843-9104 |
| Transaction Type | Mortgage |
| Record Updated | Mar 17, 2022 |
| Name | Verified Name |
|---|---|
| Address | 1840 GRAY RD, HOWELL, MI 48843-9104 |
| Document Number | 0000006068 |
|---|---|
| Date | Feb 28, 2022 |
| Instrument | 2022R-006068 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | WESTLAKE VILLAGE, CA 91361 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 352 Months |
| Due | Jun 01, 2051 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | LIVINGSTON MI |
| Recording Date | May 28, 2020 |
| Property Address | 1840 GRAY RD, HOWELL, MI 48843-9104 |
| Document Number | 0000016461 |
| Instrument Date | May 22, 2020 |
| Instrument | 16461 |
| Transaction Type | Transfer |
| Record Updated | Jul 22, 2020 |
| Title Company | STERLING TITLE AGENCY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 1840 GRAY RD HOWELL MI 488439104, HOWELL, MI 48843-9104 |
| Document Number | 16462 |
|---|---|
| Date | May 28, 2020 |
| Instrument | 16462 |
| Name | GOLD STAR MTG FIN'L |
|---|---|
| Type | Mortgage Company |
| Address | ANN ARBOR, MI 48108 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 27, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LIVINGSTON MI |
| Property Address | 1840 GRAY RD, HOWELL, MI 48843-9104 |
| Document Number | 0000019875 |
| Instrument Date | Jul 16, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Aug 20, 2018 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 1840 GRAY RD HOWELL MI 488439104, HOWELL, MI 48843-9104 |
| Document Number | 0000019875 |
|---|---|
| Date | Jul 25, 2018 |
| Instrument | 19875 |
| Name | WELLS FARGO BK |
|---|---|
| Type | Bank |
| Address | SIOUX FALLS, SD 57104 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 24, 2048 |
Source: Livingston County records · Assessment roll updated August 17, 2026 · Last verified August 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Livingston County |
| County Subdivision | Genoa Township |
| Unified School District | Howell Public Schools (KG - 12) |
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 |
|---|---|---|---|
| 2026 | $161,200 (+0.06%) | $322,400 (+0.06%) | |
| 2025 | $2,872.00 (+20.12%) Homeowner's exemption | $161,100 (+12.74%) | $322,200 (+12.74%) |
| 2023 | $142,900 | ||
| 2021 | $285,800 | ||
| 2019 | $2,391.00 |
Source: FEMA National Flood Hazard Layer, Livingston County (26093C), updated September 17, 2008 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 260937424034, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Nearby Flood Policies | 2 in force |
| Wildfire Risk | Low above 20% of the US · above 52% of Michigan |
|---|---|
| Wildfire Likelihood | About 1 in 10,000 per year |
| 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.
Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 16 locations within about half a mile of this property
| Provider | Technology | Download / Upload (Mbps) |
|---|---|---|
| Xfinity | Cable | 1,200 / 35 |
| AT&T | Fixed Wireless | 100 / 20 |
| T-Mobile USA | Fixed Wireless | 100 / 20 |
May also be available at this address: Surf Air Wireless. Availability varies by address; speeds are provider-advertised maximums, not measured.
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