3254 Rafferty Dr, Howell, MI 48843 Property Records

Livingston County property record for 3254 Rafferty Dr, Howell, MI 48843

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,974 sqft · built 1999
Lot Size	3.45 acres (150,282 sqft)
Owner	2 Individual Names on Record
Last Sale	$196,066 (May 2004)
Tax Bill	$2,570 (2025)
Deeds & Mortgages	Sep 2026 Mortgage Mar 2023 Second Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`09-24-100-022`

Property Details

APN / Parcel Number

Primary APN	`09-24-100-022`
Alternative APN	`470924100022`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,974 sqft Living Area
1st Floor Area	1,316 sqft
Basement Area	1,316 sqft
Unfinished Basement	1,316 sqft

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Exterior Material	Wood Siding
Roof Type	Gable
Lot Area	150,282 sqft (3.45 acres)
Garage Area	720 sqft
Parking Spaces	3 Parking Spaces
Patio Area	464 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	3254 RAFFERTY DR
City	HOWELL
State	MI
Zip	48843-7699
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AR
Legal Description	SEC 24 T2N R3E COM W 1/4 COR, TH N0108'50"W 790.02 FT, TH S8957'48"E 150.03 FT, TH N01*08'50"W 551.30 FT TO POB, TH
Legal Range	03E
Legal Township	02N
Legal Section	24
Legal Tract	731100
Jurisdiction	LIVINGSTON MI
Township / Civil Division	IOSCO
Census Block Group	3
Census Block	3030
Census Tract	731100

Owner

Source: Livingston County records, as of September 15, 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	3254 RAFFERTY DR, HOWELL, MI 48843-7699
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 3, 2026	Deed of Trust, Mortgage · Conventional Mortgage LOC FEDERAL CREDIT UNION
Mar 15, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage LOC FCU
Sep 14, 2019	Deed of Trust, Mortgage · Conventional Mortgage ONE AMERICAN MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 19, 2004 · Amount on Record
Deed Sale	May 19, 2004 · Amount on Record
Prior Sale	Feb 26, 1999 · Amount on Record
Deed Book / Page	4451 / 983
Prior Transfer Date	May 5, 2004
Prior Transfer Doc	0044510983
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LIVINGSTON MI
Recording Date	Sep 3, 2026
Property Address	3254 RAFFERTY DR, HOWELL, MI 48843-7699
Document Number	0000019569
Instrument Date	Aug 29, 2026
Instrument	202619569
Transaction Type	Mortgage
Record Updated	Sep 15, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3254 RAFFERTY DR, HOWELL, MI 48843-7699

Mortgage

Document Number	0000019569,
Date	Sep 3, 2026
Instrument	202619569

Lender

Name	LOC FEDERAL CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Sep 30, 2036

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LIVINGSTON MI
Property Address	3254 RAFFERTY DR, HOWELL, MI 48843-7699
Transaction Type	Mortgage
Record Updated	Mar 28, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3254 RAFFERTY DR, HOWELL, MI 48843-7699

Mortgage

Document Number	0000004144
Date	Mar 15, 2023
Instrument	2023R-004144

Lender

Name	LOC FCU
Type	Credit Union
Address	FARMINGTON, MI 48336

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	85 Months
Due	Mar 31, 2030

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LIVINGSTON MI
Property Address	3254 RAFFERTY DR, HOWELL, MI 48843-7699
Document Number	0000025835
Instrument Date	Sep 14, 2019
Transaction Type	Mortgage
Record Updated	Oct 8, 2019
Title Company	UNISOURCE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3254 RAFFERTY DR HOWELL MI 488437699, HOWELL, MI 48843-7699

Mortgage

Document Number	0000025835
Date	Sep 26, 2019
Instrument	25835

Lender

Name	ONE AMERICAN MTG
Address	SAN FRANCISCO, CA 94108

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Sep 25, 2039

Tax Assessment & Valuation

Source: Livingston County assessment roll, as of August 17, 2026

Property Jurisdictions

Type	Name
State	Michigan
County	Livingston County
County Subdivision	Iosco Township
Unified School District	Howell Public Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$213,400 (+20.23%)	$426,800 (+20.23%)
2025	$2,570.00 (+18.11%)
2023		$177,500
2021			$355,000
2019	$2,176.00

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 September 17, 2008 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	3 in force
Nearby Flood Claims	1 (2021)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Aug 2021 · 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	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 7 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Surf Internet Fiber	1,000 / 1,000

Cell Coverage

5G and 4G LTE (outdoors only)

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