Oceana County property record for 237 S Rutledge St, Pentwater, MI 49449
| Property Type | Single Family Home |
|---|---|
| Lot Size | 0.194 acres (8,488 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $2,765 (2025) |
| Deeds & Mortgages | Aug 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 044-698-007-00 |
| Primary APN | 044-698-007-00 |
|---|
| Lot Area | 8,488 sqft (0.194 acres) |
|---|
| Street Address | 237 S RUTLEDGE ST |
|---|---|
| City | PENTWATER |
| State | MI |
| Zip | 49449-9573 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 237 S RUTLEDGE ST - VILLAGE OF PENTWATER LOT 7 BLOCK 28 WD-L2013P3025 |
| Legal Subdivision | VILLAGE OF PENTWATER |
| Legal Block | 28 |
| Legal Lot Number | 7 |
| Jurisdiction | OCEANA MI |
| Township / Civil Division | PENTWATER |
| Census Block Group | 1 |
| Census Block | 1082 |
| Census Tract | 10800 |
237 S Rutledge St is owned and occupied by two individuals who acquired it in February 2013.
Source: Oceana County records, as of October 13, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | PO BOX 982, PENTWATER, MI 49449-0982 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 6, 2013 |
| Deed Sale | Feb 6, 2013 |
| Prior Sale | Sep 12, 2002 · Amount on File |
| Deed Book / Page | 2013 / 3025 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OCEANA MI |
| Property Address | 237 S RUTLEDGE ST, PENTWATER, MI 49449-9573 |
| Transaction Type | Mortgage |
| Record Updated | Sep 28, 2021 |
| Name | Verified Name |
|---|---|
| Address | 237 S RUTLEDGE ST, PENTWATER, MI 49449-9573 |
| Document Number | 2021/20819 |
|---|---|
| Date | Aug 4, 2021 |
| Book Page | 2021/20819 |
| Instrument | 202100005550 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Sep 1, 2051 |
The 2025 property tax bill for 237 S Rutledge St was $2,765 with a homeowner's exemption.
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 | $203,200 (-4.96%) Land $203,200 | $406,400 (-4.96%) Land $406,400 | |
| 2025 | $2,765.00 Homeowner's exemption | $213,800 Land $213,800 | $427,600 Land $427,600 |
| 2023 | $155,100 Land $155,100 | $310,200 (-) Land $310,200 | |
| 2022 | $2,352.00 | $310,200 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 237 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 risk around 237 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.
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 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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