316 E Concord St, Pentwater, MI 49449 Property Records

Oceana County property record for 316 E Concord St, Pentwater, MI 49449

Property Summary

Property Type	Single Family Home
Lot Size	0.28 acres (12,218 sqft)
Owner	2 Individual Names on Record
Last Sale	$260,000 (May 2021)
Tax Bill	$5,118 (2025)
Deeds & Mortgages	May 2021 Sale & Mortgage Dec 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`044-703-006-00`

Property Details

APN / Parcel Number

Primary APN	`044-703-006-00`

Exterior

Lot Area	12,218 sqft (0.28 acres)

Location & Zoning

Street Address	316 E CONCORD ST
City	PENTWATER
State	MI
Zip	49449-9432
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 5 & S 1/2 LOT 6 BLOCK 33 VILLAGE OF PENTWATER PR DEED 2019/11261 & LTRS PR & DC
Legal Subdivision	VILLAGE OF PENTWATER
Legal Block	33
Legal Lot Number	5-6
Jurisdiction	OCEANA MI
Township / Civil Division	PENTWATER
Census Block Group	1
Census Block	1057
Census Tract	10800

Owner

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	2 Individual Names on Record
Mailing Address	7815 REMINGTON RD, MONTGOMERY, OH 45242-7103
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 7, 2021	Warranty Deed, Transfer · Conventional Mortgage UNION SAVINGS BANK
Dec 2, 2020	Deed of Trust, Mortgage · Conventional Mortgage THE SHELBY STATE BANK
Jul 2, 2019	Personal Representative Deed, Transfer · Conventional Mortgage
Jul 2, 2019	Personal Representative Deed, Transfer · Conventional Mortgage THE SHELBY STATE BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 7, 2021 · Amount on Record
Deed Sale	May 7, 2021 · Amount on Record
Prior Sale	Jul 2, 2019 · Amount on Record
Deed Document Number	20213492
Deed Book / Page	2021 / 12071
Record Updated	Oct 29, 2026

May 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OCEANA MI
Recording Date	May 7, 2021
Property Address	316 E CONCORD ST, PENTWATER, MI 49449-9432
Document Number	2021/12071
Book / Page	2021 / 12071
Map Reference	LB 1 PG 12
Instrument Date	Apr 23, 2021
Instrument	202100003492
Transaction Type	Transfer
Record Updated	Jun 25, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,236.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	316 E CONCORD ST, 316, PENTWATER, MI 49449-9432

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7815 REMINGTON RD, MONTGOMERY, OH 45242-7103

Mortgage

Document Number	202100003493
Date	May 7, 2021
Instrument	202100003493

Lender

Name	UNION SAVINGS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2051

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OCEANA MI
Property Address	316 E CONCORD ST, PENTWATER, MI 49449-9432
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2020/26907
Date	Dec 2, 2020
Book Page	2020/26907
Instrument	202000006983

Lender

Name	THE SHELBY STATE BANK
Type	Bank
Address	SHELBY, MI 49455

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2050

July 2019: Personal Representative Deed, Transfer

Document Type	Personal Representative Deed
Jurisdiction	OCEANA MI
Recording Date	Jul 2, 2019
Property Address	316 E CONCORD ST, PENTWATER, MI 49449-9432
Document Number	2019/011261
Book / Page	2019 / 011261
Map Reference	LB 1 PG 12
Instrument Date	Jul 1, 2019
Instrument	201900003725
Transaction Type	Transfer
Record Updated	Feb 6, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,548.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 316, PENTWATER, MI 49449-0316

Mortgage

Document Number	201900003726
Date	Jul 2, 2019
Instrument	201900003726

Lender

Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2049

July 2019: Personal Representative Deed, Transfer

Document Type	Personal Representative Deed
Jurisdiction	OCEANA MI
Recording Date	Jul 2, 2019
Property Address	316 E CONCORD ST, PENTWATER, MI 49449-9432
Document Number	2019/011261
Book / Page	2019 / 011261
Map Reference	LB 1 PG 12
Instrument Date	Jun 1, 2019
Instrument	201900003725
Transaction Type	Transfer
Record Updated	May 11, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,548.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 316, PENTWATER, MI 49449-0316

Mortgage

Document Number	201900003726
Date	Jul 2, 2019
Instrument	201900003726

Lender

Name	THE SHELBY STATE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2049

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		$161,400 (-3.58%) Land $161,400	$322,800 (-3.58%) Land $322,800
2025	$5,118.00 (+15.9%) Homeowner's exemption	$167,400 (+34.46%) Land $167,400	$334,800 (+34.46%) Land $334,800
2023		$124,500 Land $124,500	$249,000 (-) Land $249,000
2022	$4,416.00		$249,000

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.

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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