Livingston County property record for 3897 Silver Charm Ln, Howell, MI 48843
| Property Type | Condominium |
|---|---|
| Details | 4 bd · 2.5 ba · 2,311 sqft · built 2015 |
| Lot Size | 0.193 acres (8,407 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $321,000 (Sep 2019) |
| Tax Bill | $4,462 (2025) |
| Deeds & Mortgages | Nov 2025 Line of Credit Mar 2021 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-29-401-008 |
| Primary APN | 07-29-401-008 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,311 sqft Living Area |
| 1st Floor Area | 1,040 sqft |
| Basement Area | 1,040 sqft |
| Unfinished Basement | 1,040 sqft |
| Year Built | Built 2015 |
|---|---|
| Effective Year Built | Effective 2015 |
| Architectural Style | Condo/Apartment |
| Exterior Material | Wood Siding |
| Lot Area | 8,407 sqft (0.193 acres) |
| Lot Dimensions | 40 ft deep x 70 ft wide |
| Garage Area | 462 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 3897 SILVER CHARM LN |
|---|---|
| City | HOWELL |
| State | MI |
| Zip | 48843-9215 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Condominium |
| Local Zoning Code | R3,PUD |
| Legal Description | SEC 29, T3N, R5E, FOREST RIDGE SITE CONDO UNIT #8 LCCP #342 8/05 |
| Legal Range | 05E |
| Legal Township | 03N |
| Legal Section | 29 |
| Legal Subdivision | FOREST RIDGE SITE CONDO |
| Legal Unit | 8 |
| Jurisdiction | LIVINGSTON MI |
| Township / Civil Division | OCEOLA |
| Census Block Group | 3 |
| Census Block | 3006 |
| Census Tract | 712601 |
Source: Livingston County records, as of August 17, 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 | 3897 SILVER CHARM LN, HOWELL, MI 48843-9215 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 25, 2025 | Deed of Trust, Mortgage · Line of Credit MICHIGAN STATE UNIVERSITY FEDERAL CREDIT |
| Mar 9, 2021 | Deed of Trust, Mortgage · Conventional Mortgage HIGHLANDS RESIDENTIAL MORTGAGE LTD |
| Sep 16, 2019 | Warranty Deed, Transfer HIGHLANDS RESID'L MTG |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 16, 2019 · Amount on Record |
| Deed Sale | Sep 16, 2019 · Amount on Record |
| Deed Document Number | 201924608 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LIVINGSTON MI |
| Property Address | 3897 SILVER CHARM LN, HOWELL, MI 48843-9215 |
| Transaction Type | Mortgage |
| Record Updated | Dec 11, 2025 |
| Name | Verified Name |
|---|---|
| Address | 3897 SILVER CHARM LN, HOWELL, MI 48843-9215 |
| Document Number | 0000023935 |
|---|---|
| Date | Nov 25, 2025 |
| Instrument | 2025R-023935 |
| Name | MICHIGAN STATE UNIVERSITY FEDERAL CREDIT |
|---|---|
| Address | 3777 WEST RD, EAST LANSING, MI 48823 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | Nov 20, 2050 |
| Change Frequency | Monthly |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LIVINGSTON MI |
| Property Address | 3897 SILVER CHARM LN, HOWELL, MI 48843-9215 |
| Transaction Type | Mortgage |
| Record Updated | Apr 9, 2021 |
| Title Company | CRISLO TITLE COMPANY, CISLO TITLE CO |
| Name | Verified Name |
|---|---|
| Address | 3897 SILVER CHARM LN, HOWELL, MI 48843-9215 |
| Document Number | 2021R010617 |
|---|---|
| Date | Mar 9, 2021 |
| Instrument | 2021R-010617 |
| Name | HIGHLANDS RESIDENTIAL MORTGAGE LTD |
|---|---|
| Type | Mortgage Company |
| Address | DALLAS, TX 75243 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LIVINGSTON MI |
| Recording Date | Sep 16, 2019 |
| Property Address | 3897 SILVER CHARM LN, HOWELL, MI 48843-9215 |
| Document Number | 0000024608 |
| Instrument Date | Sep 13, 2019 |
| Instrument | 24608 |
| Transaction Type | Transfer |
| Record Updated | Oct 1, 2019 |
| Title Company | CISLO TITLE, CISLO TITLE CO |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,760.60 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 3897 SILVER CHARM LN HOWELL MI 488439215, HOWELL, MI 48843-9215 |
| Document Number | 24609 |
|---|---|
| Date | Sep 16, 2019 |
| Instrument | 24609 |
| Name | HIGHLANDS RESID'L MTG |
|---|---|
| Type | Mortgage Company |
| Address | DALLAS, TX 75243 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Sep 15, 2049 |
Source: Livingston County assessment roll, as of August 17, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Livingston County |
| County Subdivision | Oceola Township |
| Unified School District | Howell Public Schools (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $213,600 (+14.9%) | $427,200 (+14.9%) | |
| 2025 | $4,462.00 (+26.94%) | ||
| 2023 | $185,900 | ||
| 2021 | $371,800 | ||
| 2019 | $3,515.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective September 17, 2008
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
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 | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 116 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
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