284 E Lowell St, Pentwater, MI 49449 Property Records

Oceana County property record for 284 E Lowell St, Pentwater, MI 49449

Property Summary

Property Type	Single Family Home
Lot Size	0.18 acres (7,880 sqft)
Owner	2 Individual Names on Record
Tax Bill	$3,401 (2025)
Deeds & Mortgages	Sep 2026 Line of Credit May 2021 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`044-701-005-00`

Property Details

APN / Parcel Number

Primary APN	`044-701-005-00`

Exterior

Lot Area	7,880 sqft (0.18 acres)

Location & Zoning

Street Address	284 E LOWELL ST
City	PENTWATER
State	MI
Zip	49449-8414
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	284 E LOWELL ST VP-225 LC761257 QC876368 WD876369 VILLAGE OF PENTWATER - BLK 31 LOT 5 EXC W 12 FT, BLK 31
Legal Subdivision	VILLAGE OF PENTWATER
Legal Block	31
Legal Lot Number	5
Jurisdiction	OCEANA MI
Township / Civil Division	PENTWATER
Census Block Group	1
Census Block	1061
Census Tract	10800

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	PO BOX 933, PENTWATER, MI 49449-0933
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 16, 2026	Deed of Trust, Mortgage · Line of Credit HUNTINGTON NATIONAL BANK
May 11, 2021	Intrafamily Transfer, Transfer
Aug 25, 2017	Deed of Trust, Mortgage · Line of Credit THE HUNTINGTON NATIONAL BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	May 10, 2021
Transfer Doc	2021/12325
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OCEANA MI
Recording Date	Sep 16, 2026
Property Address	284 E LOWELL ST, PENTWATER, MI 49449-8414
Document Number	0000005431
Book / Page	2026 / 21147
Instrument Date	Sep 3, 2026
Instrument	20265431
Transaction Type	Mortgage
Record Updated	Oct 19, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Trust, 212
Address	284 E LOWELL ST, PENTWATER, MI 49449-8414

Mortgage

Document Number	0000005431,
Date	Sep 16, 2026
Book Page	2026/21147
Instrument	20265431

Lender

Name	HUNTINGTON NATIONAL BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Sep 3, 2056

Interest

Max Rate	-1%

May 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OCEANA MI
Recording Date	May 11, 2021
Property Address	284 E LOWELL ST, PENTWATER, MI 49449-8414
Document Number	2021/12325
Book / Page	2021 / 12325
Map Reference	LB 1 PG 11
Instrument Date	May 10, 2021
Instrument	202100003572
Transaction Type	Transfer
Record Updated	Jun 7, 2023

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
Address	284 E LOWELL ST, PENTWATER, MI 49449-8414

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OCEANA MI
Property Address	284 E LOWELL ST, PENTWATER, MI 49449-8414
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2017/016364
Date	Aug 25, 2017
Book Page	2017/016364
Instrument	201700005043

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank
Address	COLUMBUS, OH 43229

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Jul 25, 2047

Tax Assessment & Valuation

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		$249,600 (-5.92%) Land $249,600	$499,200 (-5.92%) Land $499,200
2025	$3,401.00 (+6.61%) Homeowner's exemption	$265,300 (+38.97%) Land $265,300	$530,600 (+38.97%) Land $530,600
2024	$3,190.00 (+10.27%)
2023		$190,900 Land $190,900	$381,800 (-) Land $381,800
2022	$2,893.00		$381,800

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

Flood

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.

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.

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 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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