388 6th St, Pentwater, MI 49449 Property Records

Oceana County property record for 388 6th St, Pentwater, MI 49449

Property Summary

Property Type	Single Family Home
Lot Size	0.664 acres (28,925 sqft)
Owner	2 Individual Names on File
Last Sale	$255,000 (Nov 2015)
Tax Bill	$3,409 (2025)
Deeds & Mortgages	Jul 2026 Sale Sep 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`044-710-006-00`

Property Details

APN / Parcel Number

Primary APN	`044-710-006-00`

Exterior

Lot Area	28,925 sqft (0.664 acres)

Location & Zoning

Street Address	388 6TH ST
City	PENTWATER
State	MI
Zip	49449-9501
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	QCD 2020/1367 VILLAGE OF PENTWATER - BLK 40 LOTS 6-7-8-9 EXC THE W 22 FT OF LOTS 6-8-9. 388 E 6TH ST WD-L2000P17710 WD-L2015/
Legal Subdivision	VILLAGE OF PENTWATER
Legal Block	40
Legal Lot Number	6-8
Jurisdiction	OCEANA MI
Township / Civil Division	PENTWATER
Census Block Group	1
Census Block	1111
Census Tract	10800

Owner

388 6th St is owned and occupied by two individuals who acquired it in January 2020.

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 File
Mailing Address	388 6TH ST, PENTWATER, MI 49449-9501
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Life Estate

Deeds, Mortgages & Sale History

Date	Document
Jul 24, 2026	Deed, Transfer NONE LISTED ON DOCUMENT
Sep 29, 2021	Deed of Trust, Mortgage · Conventional Mortgage THE SHELBY STATE BANK
Jan 23, 2020	Intrafamily Transfer, Transfer · Conventional Mortgage THE SHELBY STATE BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 3, 2015 · Amount on File
Deed Sale	Nov 3, 2015 · Amount on File
Prior Sale	Oct 6, 2000 · Amount on File
Deed Book / Page	2015 / 18787
Last Transfer Date	Jan 14, 2020
Transfer Doc	2020/001367
Record Updated	Oct 29, 2026

July 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	OCEANA MI
Recording Date	Jul 24, 2026
Property Address	388 6TH ST, PENTWATER, MI 49449-9501
Document Number	0000004348
Book / Page	2026 / 16320
Instrument Date	Jul 23, 2026
Instrument	20264348
Transaction Type	Transfer
Record Updated	Aug 31, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Life Estate
Address	388 6TH ST, PENTWATER, MI 49449-9501

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OCEANA MI
Property Address	388 6TH ST, PENTWATER, MI 49449-9501
Transaction Type	Mortgage
Record Updated	Oct 28, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	388 6TH ST, PENTWATER, MI 49449-9501

Mortgage

Document Number	2021/25455
Date	Sep 29, 2021
Book Page	2021/25455
Instrument	202100006767

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Oct 1, 2036

January 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OCEANA MI
Recording Date	Jan 23, 2020
Property Address	388 6TH ST, PENTWATER, MI 49449-9501
Document Number	2020/001367
Book / Page	2020 / 001367
Instrument Date	Jan 14, 2020
Instrument	202000000388
Transaction Type	Transfer
Record Updated	May 11, 2021

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	13102 ESSEX CT, 13102, CHELSEA, MI 48118-9651

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	388 6TH ST, PENTWATER, MI 49449-9501

Mortgage

Document Number	202000000389
Date	Jan 23, 2020
Instrument	202000000389

Lender

Name	THE SHELBY STATE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Feb 1, 2035

Tax Assessment & Valuation

The 2025 property tax bill for 388 6th St was $3,409 with a homeowner's exemption, up 6.6% 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		$197,300 (-2.9%) Land $197,300	$394,600 (-2.9%) Land $394,600
2025	$3,409.00 (+6.6%) Homeowner's exemption	$203,200 Land $203,200	$406,400 Land $406,400
2024	$3,198.00
2023		$152,100 Land $152,100	$304,200 (-) Land $304,200
2022	$2,900.00		$304,200

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

Flood

FEMA maps place 388 6th St in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
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 388 6th St is low, with 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 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.

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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