Oceana County property record for 235 E Hanover St, Pentwater, MI 49449
| Property Type | Single Family Home |
|---|---|
| Lot Size | 0.526 acres (22,936 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $2,701 (2025) |
| Deeds & Mortgages | Dec 2019 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 044-132-009-30 |
| Primary APN | 044-132-009-30 |
|---|
| Lot Area | 22,936 sqft (0.526 acres) |
|---|
| Street Address | 235 E HANOVER ST |
|---|---|
| City | PENTWATER |
| State | MI |
| Zip | 49449-8575 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 235 E HANOVER ST WD-L2003P795 BLOCK 2 - COBB'S ADDITION TO VILLAGE OF PENTWATER S 35 FT OF LOT 9 & N 96 FT OF LOT 2 |
| Legal Subdivision | COBB'S ADDITION |
| Legal Block | 2 |
| Legal Lot Number | 2-9 |
| Jurisdiction | OCEANA MI |
| Township / Civil Division | PENTWATER |
| Census Block Group | 1 |
| Census Block | 1054 |
| Census Tract | 10800 |
Source: Oceana County records, as of October 13, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | PO BOX 384, PENTWATER, MI 49449-0384 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OCEANA MI |
| Property Address | 235 E HANOVER ST, PENTWATER, MI 49449-8575 |
| Transaction Type | Mortgage |
| Record Updated | Jan 24, 2020 |
| Name | Verified Name |
|---|
| Document Number | 2019/022497 |
|---|---|
| Date | Dec 12, 2019 |
| Book Page | 2019/022497 |
| Instrument | 201900006647 |
| Name | WEST COMMUNITY CU |
|---|---|
| Type | Credit Union |
| Address | O FALLON, MO 63368 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 1, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Jan 1, 2025 |
| Change Frequency | Annually |
| Min Rate At Change | 4% |
| Max Rate At Change | 8% |
| Index | 1-Year LIBOR |
| Max Rate | 11% |
Source: Oceana County assessment roll, as of October 13, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Oceana County |
| County Subdivision | Pentwater Township |
| Municipality | Pentwater Village |
| Unified School District | Pentwater Public School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $209,100 (-3.86%) Land $209,100 | $418,200 (-3.86%) Land $418,200 | |
| 2025 | $2,701.00 (-33.77%) Homeowner's exemption | $217,500 (+35.6%) Land $217,500 | $435,000 (+35.6%) Land $435,000 |
| 2023 | $160,400 Land $160,400 | $320,800 (-) Land $320,800 | |
| 2022 | $4,078.00 | $320,800 |
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 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 Record 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.
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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 118 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Frontier Fiber | 7,000 / 7,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| Starlink Satellite | 280 / 30 |
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