22 Kenneth, Pentwater, MI 49449 Property Records

Oceana County property record for 22 Kenneth, Pentwater, MI 49449

Property Summary

Property Type	Condominium
Lot Size	0.001 acres (69 sqft)
Owner	2 Individual Names on File
Last Sale	$366,222 (Jul 2006)
Tax Bill	$3,935 (2025)
Deeds & Mortgages	Jul 2020 Mortgage Apr 2009 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`044-362-022-00`

Property Details

APN / Parcel Number

Primary APN	`044-362-022-00`

Exterior

Architectural Style	Condo/Apartment
Lot Area	69 sqft

Location & Zoning

Street Address	22 KENNETH
City	PENTWATER
State	MI
Zip	49449-7529
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Legal Description	22 E KENNETH - SEC 14 T16N R18W; THE COTTAGES AT LITES WOODS CONDOMINIUMS UNIT 22 WD-2006/19808
Legal Range	18W
Legal Township	16N
Legal Section	14
Legal Subdivision	THE COTTAGES AT LITES WOODS
Legal Unit	22
Jurisdiction	OCEANA MI
Township / Civil Division	PENTWATER
Census Block Group	1
Census Block	1115
Census Tract	10800

Owner

Source: Oceana County records, as of October 16, 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 File
Mailing Address	22 KENNETH, PENTWATER, MI 49449-7529
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 17, 2020	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC
Apr 16, 2009	Deed of Trust, Mortgage QUICKEN LOANS INC
Sep 17, 2015	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS INC
May 12, 2025	Deed of Trust, Mortgage · Line of Credit DOW CU
Jul 17, 2007	Deed of Trust, Mortgage QUICKEN LOANS INC
Jul 7, 2006	Warranty Deed, Transfer · ARM QUICKEN LOANS INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 7, 2006 · Amount on File
Deed Sale	Jul 7, 2006 · Amount on File
Deed Book / Page	2006 / 19808
Last Transfer Date	Sep 13, 2023
Transfer Doc	0000005174
Record Updated	Oct 29, 2026

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OCEANA MI
Property Address	22 KENNETH, PENTWATER, MI 49449-7529
Transaction Type	Mortgage
Record Updated	Jun 8, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2020/13606
Date	Jul 17, 2020
Book Page	2020/13606
Instrument	202000003909

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	301 Months
Due	Aug 1, 2045

April 2009: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OCEANA MI
Property Address	22 KENNETH, PENTWATER, MI 49449-7529
Transaction Type	Mortgage
Record Updated	Jun 8, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2009/008230
Date	Apr 16, 2009
Book Page	2009/008230

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution
Address	LIVONIA, MI 48152

Agreement

Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2039

September 2015: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OCEANA MI
Property Address	22 KENNETH, PENTWATER, MI 49449-7529
Transaction Type	Mortgage
Record Updated	Jun 8, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2015/015482
Date	Sep 17, 2015
Book Page	2015/015482

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	301 Months
Due	Oct 1, 2040

May 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OCEANA MI
Property Address	22 KENNETH, PENTWATER, MI 49449-7529
Transaction Type	Mortgage
Record Updated	Jun 8, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	950 GREENE ST 108, 108, ANN ARBOR, MI 48104-3675

Mortgage

Document Number	02025/8569
Date	May 12, 2025
Book Page	2025/8569
Instrument	202500002558

Lender

Name	DOW CU
Type	Credit Union
Address	MIDLAND, MI 48641

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	May 25, 2055

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2007: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OCEANA MI
Property Address	22 KENNETH, PENTWATER, MI 49449-7529
Transaction Type	Mortgage
Record Updated	Jun 8, 2026
Title Company	TITLE SOURCES INC, TITLE SOURCE INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2007/017154
Date	Jul 17, 2007
Book Page	2007/017154

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution
Address	LIVONIA, MI 48152

Agreement

Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2037

Interest

Rate Type	Fixed Rate
Rate	6.25%
Type Change Date	Jul 1, 2014
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	11.2%
Index	1-Year LIBOR
Max Rate	11.2%

July 2006: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OCEANA MI
Recording Date	Jul 7, 2006
Property Address	22 KENNETH, PENTWATER, MI 49449-7529
Document Number	2006/019808
Book / Page	2006 / 019808
Map Reference	LB2004 PG36719
Instrument Date	Jun 26, 2006
Transaction Type	Transfer
Record Updated	Jun 8, 2026

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount from Assessment
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	38505 WOODWARD AVE # 2000, 2000, BLOOMFIELD, MI 48304-5093

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	1016 BIRCHWAY CT, SOUTH LYON, MI 48178-2520

Mortgage

Document Number	2006019810
Date	Jul 7, 2006
Instrument	2006/019810

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution

Agreement

Type	ARM
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2036

Interest

Rate Type	Adjustable Rate
Rate	6.87%
Change Frequency	Annually
Index	LIBOR

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		$209,100 (+6.85%) Land $209,100	$418,200 (+6.85%) Land $418,200
2025	$3,935.00 (+17.53%) Homeowner's exemption	$195,700 (+31.17%) Land $195,700	$391,400 (+31.17%) Land $391,400
2023		$149,200 Land $149,200	$298,400 (-) Land $298,400
2022	$3,348.00		$298,400

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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 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

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	None beyond ember reach

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 106 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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