Livingston County property record for 2477 Spruce Rdg, Howell, MI 48855
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,872 sqft · built 1988 |
| Lot Size | 1.59 acres (69,260 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $410,000 (Jun 2026) |
| Tax Bill | $3,895 (2025) |
| Deeds & Mortgages | Sep 2022 Mortgage Jun 2026 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-07-100-014 |
| Primary APN | 07-07-100-014 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,872 sqft Living Area |
| 1st Floor Area | 1,056 sqft |
| Basement Area | 1,056 sqft |
| Unfinished Basement | 1,056 sqft |
| Year Built | Built 1988 |
|---|---|
| Effective Year Built | Effective 1988 |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 69,260 sqft (1.59 acres) |
| Garage Area | 660 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 2477 SPRUCE RDG |
|---|---|
| City | HOWELL |
| State | MI |
| Zip | 48855-9788 |
| 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 W 293.33 FT ALONG C.L. OF CURDY RD, TH N 2624.30 FT TO POB, TH W 486 FT, TH N |
| Legal Range | 05E |
| Legal Township | 03N |
| Legal Section | 07 |
| Legal Subdivision | MCPHERSON AND BROWNING ADDITION |
| Legal Tract | 712100 |
| Jurisdiction | LIVINGSTON MI |
| Township / Civil Division | OCEOLA |
| Census Block Group | 1 |
| Census Block | 1003 |
| Census Tract | 712101 |
Source: Livingston County records, as of September 24, 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 | 316 BUSH ST, HOWELL, MI 48843-2422 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Unmarried Woman |
| Date | Document |
|---|---|
| Sep 15, 2022 | Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC |
| Jun 10, 2026 | Deed of Trust, Mortgage · Conventional Mortgage FIRST MERCHANTS BANK |
| Jun 15, 2026 | Warranty Deed, Transfer · Conventional Mortgage FIRST MERCHANTS BANK |
| Aug 31, 2022 | Warranty Deed, Transfer · Conventional Mortgage LOANDEPOT.COM LLC |
| Jul 24, 2017 | Deed of Trust, Mortgage · Line of Credit FIRST NAT'L BK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 15, 2026 · Amount on Record |
| Deed Sale | Jun 15, 2026 · Amount on Record |
| Prior Sale | Aug 31, 2022 · Amount on Record |
| Deed Document Number | 202612605 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LIVINGSTON MI |
| Property Address | 2477 SPRUCE RDG, HOWELL, MI 48855-9788 |
| Transaction Type | Mortgage |
| Record Updated | Jun 26, 2026 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Address | 29738 MILFORD RD, NEW HUDSON, MI 48165-9750 |
| Investor | Possibly a Property Investor |
| Document Number | 0000024839 |
|---|---|
| Date | Sep 15, 2022 |
| Instrument | 2022R-024839 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Mortgage Company |
| Address | FOOTHILL RANCH, CA 92610 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LIVINGSTON MI |
| Recording Date | Jun 10, 2026 |
| Property Address | 2477 SPRUCE RDG, HOWELL, MI 48855-9788 |
| Document Number | 0000012334 |
| Instrument Date | Jun 9, 2026 |
| Instrument | 202612334 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 316 BUSH ST, HOWELL, MI 48843-2422 |
| Document Number | 0000012334, |
|---|---|
| Date | Jun 10, 2026 |
| Instrument | 202612334 |
| Name | FIRST MERCHANTS BANK |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.36% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LIVINGSTON MI |
| Recording Date | Jun 15, 2026 |
| Property Address | 2477 SPRUCE RDG, HOWELL, MI 48855-9788 |
| Document Number | 0000012605 |
| Instrument Date | Jun 9, 2026 |
| Instrument | 202612605 |
| Transaction Type | Transfer |
| Record Updated | Sep 24, 2026 |
| Title Company | FIRST AMERICAN TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $310,575.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 316 BUSH ST, HOWELL, MI 48843-2422 |
| Document Number | 0000012334, |
|---|---|
| Date | Jun 15, 2026 |
| Instrument | 202612334 |
| Name | FIRST MERCHANTS BANK |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LIVINGSTON MI |
| Recording Date | Aug 31, 2022 |
| Property Address | 2477 SPRUCE RDG, HOWELL, MI 48855-9788 |
| Document Number | 0000023683 |
| Instrument Date | Aug 26, 2022 |
| Instrument | 2022R-023683 |
| Transaction Type | Transfer |
| Record Updated | Sep 20, 2022 |
| Title Company | CAPITAL TITLE INS AGCY INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,535.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2477 SPRUCE RDG, 2477, HOWELL, MI 48855-9788 |
| Name | Verified Name |
|---|---|
| Address | 29738 MILFORD RD, NEW HUDSON, MI 48165-9750 |
| Investor | Possibly a Property Investor |
| Document Number | 0000024839 |
|---|---|
| Date | Sep 15, 2022 |
| Instrument | 2022R-024839 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Mortgage Company |
| Address | FOOTHILL RANCH, CA 92610 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LIVINGSTON MI |
| Property Address | 2477 SPRUCE RDG, HOWELL, MI 48855-9788 |
| Document Number | 0000022224 |
| Instrument Date | Jul 24, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Aug 23, 2018 |
| Name | Verified Name |
|---|---|
| Address | 2477 SPRUCE RDG HOWELL MI 488559788, HOWELL, MI 48855-9788 |
| Document Number | 0000022224 |
|---|---|
| Date | Jul 31, 2017 |
| Instrument | 22224 |
| Name | FIRST NAT'L BK |
|---|---|
| Type | Bank |
| Address | HOWELL, MI 48843 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Jul 30, 2037 |
| Rate Type | Adjustable Rate |
|---|
Source: Livingston County assessment roll, as of August 17, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Livingston County |
| County Subdivision | Oceola Township |
| Unified School District | Howell Public Schools (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $176,800 (+5.68%) | $353,600 (+5.68%) | |
| 2025 | $3,895.00 (+64.76%) Homeowner's exemption | $167,300 (+17.57%) | $334,600 (+17.57%) |
| 2023 | $142,300 | ||
| 2021 | $284,600 | ||
| 2019 | $2,364.00 |
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.
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.
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: FCC Broadband Data Collection, based on 27 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
| Surf Internet Fiber | 1,000 / 1,000 |
| Starlink Satellite | 280 / 30 |
| Verizon Fixed Wireless | 25 / 6 |
| AT&T DSL | 25 / 5 |
| T-Mobile Fixed Wireless | 25 / 3 |
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