255 E Lake St, Pentwater, MI 49449 Property Records

Oceana County property record for 255 E Lake St, Pentwater, MI 49449

Property Summary

Property Type	Single Family Home
Lot Size	0.595 acres (25,928 sqft)
Owner	2 Individual Names on File
Tax Bill	$5,518 (2025)
Deeds & Mortgages	May 2022 Transfer Mar 2022 Mortgage
Flood Zone	Zone AE (high risk)
APN	`044-399-001-00`

Property Details

APN / Parcel Number

Primary APN	`044-399-001-00`

Exterior

Lot Area	25,928 sqft (0.595 acres)

Location & Zoning

Street Address	255 E LAKE ST
City	PENTWATER
State	MI
Zip	49449-9592
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	255 E LAKE RD ED-L2003P7237 LED-L2006P23035LE QC-L2010P8795 QC-L2010P14878LE BLOCK 9 - MEAR'S ADDITION TO THE VILLAGE OF PENT
Legal Subdivision	MEAR'S ADDITION
Legal Block	9
Legal Lot Number	1
Jurisdiction	OCEANA MI
Township / Civil Division	PENTWATER
Census Block Group	1
Census Block	1108
Census Tract	10800

Owner

255 E Lake St is owned and occupied by two individuals who acquired it in February 2003.

Source: Oceana County records, as of October 13, 2026

Owner of Record	2 Individual Names on File
Mailing Address	255 E LAKE ST, PENTWATER, MI 49449-9592
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.

Deeds, Mortgages & Sale History

Date	Document
May 10, 2022	Intrafamily Transfer, Transfer
Mar 17, 2022	Intrafamily Transfer, Transfer · Conventional Mortgage PNC BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 3, 2003
Deed Sale	Feb 3, 2003
Deed Book / Page	2003 / 7237
Record Updated	Oct 29, 2026

May 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OCEANA MI
Recording Date	May 10, 2022
Property Address	255 E LAKE ST, PENTWATER, MI 49449-9592
Document Number	2022/10673
Book / Page	2022 / 10673
Instrument Date	Apr 27, 2022
Instrument	202200003097
Transaction Type	Transfer
Record Updated	Jun 17, 2022

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	255 E LAKE ST, PENTWATER, MI 49449-9592

March 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OCEANA MI
Recording Date	Mar 17, 2022
Property Address	255 E LAKE ST, PENTWATER, MI 49449-9592
Document Number	02022/6196
Book / Page	2022 / 6196
Instrument Date	Mar 15, 2022
Instrument	202200001694
Transaction Type	Transfer
Record Updated	Apr 27, 2022

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	255 E LAKE ST, PENTWATER, MI 49449-9592

Mortgage

Document Number	202200001695
Date	Mar 17, 2022
Instrument	202200001695

Lender

Name	PNC BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 1, 2052

Tax Assessment & Valuation

The 2025 property tax bill for 255 E Lake St was $5,518 with a homeowner's exemption, up 5% from the year before.

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		$349,900 (+6.74%) Land $349,900	$699,800 (+6.74%) Land $699,800
2025	$5,518.00 (+5%) Homeowner's exemption	$327,800 Land $327,800	$655,600 Land $655,600
2024	$5,255.00
2023		$284,200 Land $284,200	$568,400 (-) Land $568,400
2022	$4,705.00		$568,400

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

Flood

FEMA maps place 255 E Lake St in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective August 23, 2021 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	583.0 ft
Coastal	Yes
Flood Insurance Requirement	Required federally backed loans
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

Wildfire risk around 255 E Lake St is low, with less than 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 98% of the US · lower than 95% of Michigan
Wildfire Likelihood	Under 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 70 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

May also be available: AT&T.

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