2263 Spruce Rdg, Howell, MI 48855 Property Records

Livingston County property record for 2263 Spruce Rdg, Howell, MI 48855

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 3,340 sqft · built 1993
Lot Size	1.7 acres (74,052 sqft)
Owner	2 Trust Names on File
Tax Bill	$4,770 (2025)
Deeds & Mortgages	May 2026 Line of Credit Mar 2026 Transfer + 3 more
Flood Zone	Zone X (minimal risk)
APN	`07-07-100-009`

Property Details

APN / Parcel Number

Primary APN	`07-07-100-009`
Alternative APN	`470707100009`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	3,340 sqft Living Area
1st Floor Area	2,227 sqft
Basement Area	2,227 sqft
Unfinished Basement	2,227 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1993
Effective Year Built	Effective 1993
Exterior Material	Brick
Lot Area	74,052 sqft (1.7 acres)
Lot Dimensions	511 ft deep x 145 ft wide
Garage Area	847 sqft
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	2263 SPRUCE RDG
City	HOWELL
State	MI
Zip	48855-6744
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AR
Legal Description	SEC 7 T3N R5E COMM AT S 1/4 COR OF SEC, TH N 2666.99 FT, TH CONT N 304.51 FT, TH W 1000 FT TO POB, TH W 145 FT, TH N 510.95
Legal Range	05E
Legal Township	03N
Legal Section	07
Legal Subdivision	PART OF SEC 7 T3N R5E
Legal Tract	712100
Jurisdiction	LIVINGSTON MI
Township / Civil Division	OCEOLA
Census Block Group	1
Census Block	1003
Census Tract	712101

Owner

2263 Spruce Rdg is owner-occupied and held in a trust since June 2015.

Source: Livingston County records, as of August 17, 2026

Owner of Record	2 Trust Names on File
Mailing Address	2263 SPRUCE RDG, HOWELL, MI 48855-6744
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Revocable Living Trust

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
May 21, 2026	Deed of Trust, Mortgage · Line of Credit LOC FEDERAL CREDIT UNION
Mar 16, 2026	Intrafamily Transfer, Transfer
Jun 25, 2021	Deed of Trust, Mortgage · Conventional Mortgage PNC BANK NA
Jan 3, 2020	Deed of Trust, Mortgage · Conventional Mortgage PNC BK
Aug 24, 2018	Deed of Trust, Mortgage · Conventional Mortgage JP MORGAN CHASE BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Jun 22, 2015
Transfer Doc	2015R020201
Record Updated	Sep 20, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LIVINGSTON MI
Recording Date	May 21, 2026
Property Address	2263 SPRUCE RDG, HOWELL, MI 48855-6744
Document Number	0000010841
Instrument Date	May 15, 2026
Instrument	202610841
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2263 SPRUCE RDG, HOWELL, MI 48855-6744

Mortgage

Document Number	0000010841,
Date	May 21, 2026
Instrument	202610841

Lender

Name	LOC FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate	6.3%
Max Rate	-1%

March 2026: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	LIVINGSTON MI
Recording Date	Mar 16, 2026
Property Address	2263 SPRUCE RDG, HOWELL, MI 48855-6744
Document Number	0000005120
Instrument Date	Jan 30, 2026
Instrument	2026R-005120
Transaction Type	Transfer
Record Updated	Mar 26, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2263 SPRUCE RDG, HOWELL, MI 48855-6744

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2263 SPRUCE RDG, HOWELL, MI 48855-6744

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LIVINGSTON MI
Property Address	2263 SPRUCE RDG, HOWELL, MI 48855-6744
Transaction Type	Mortgage
Record Updated	Jul 16, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2263 SPRUCE RDG, HOWELL, MI 48855-6744

Mortgage

Document Number	2021R027317
Date	Jun 25, 2021
Instrument	2021R-027317

Lender

Name	PNC BANK NA
Type	Bank
Address	NEW PARIS, OH 45347

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Jul 1, 2036

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LIVINGSTON MI
Property Address	2263 SPRUCE RDG, HOWELL, MI 48855-6744
Document Number	0000001135
Instrument Date	Jan 3, 2020
Transaction Type	Mortgage
Record Updated	Jan 29, 2020
Title Company	NATIONALLINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2263 SPRUCE RDG HOWELL MI 488556744, HOWELL, MI 48855-6744

Mortgage

Document Number	0000001135
Date	Jan 10, 2020
Instrument	1135

Lender

Name	PNC BK
Type	Bank
Address	MIAMISBURG, OH 45342

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Jan 9, 2035

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LIVINGSTON MI
Property Address	2263 SPRUCE RDG, HOWELL, MI 48855-6744
Document Number	0000023361
Instrument Date	Aug 24, 2018
Transaction Type	Mortgage
Record Updated	Sep 20, 2018
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2263 SPRUCE RDG HOWELL MI 488556744, HOWELL, MI 48855-6744

Mortgage

Document Number	0000023361
Date	Aug 30, 2018
Instrument	23361

Lender

Name	JP MORGAN CHASE BK
Type	Bank
Address	COLUMBUS, OH 43240-2050

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Aug 29, 2038

Tax Assessment & Valuation

The 2025 property tax bill for 2263 Spruce Rdg was $4,770 with a homeowner's exemption.

Source: Livingston County assessment roll, as of August 17, 2026

Property Jurisdictions

Type	Name
State	Michigan
County	Livingston County
County Subdivision	Oceola Township
Unified School District	Howell Public Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$312,900 (+3.71%)	$625,800 (+3.71%)
2025	$4,770.00 Homeowner's exemption	$301,700	$603,400
2023		$258,500
2021			$517,000
2019	$3,930.00

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

Flood

FEMA maps place 2263 Spruce Rdg in Zone X, an area of minimal flood risk.

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.

Wildfire

Wildfire risk around 2263 Spruce Rdg 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	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 32 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Surf Internet Fiber	1,000 / 1,000

May also be available: Xfinity.

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