3971 Silver Charm Ln, Howell, MI 48843 Property Records

Livingston County property record for 3971 Silver Charm Ln, Howell, MI 48843

Property Summary

Property Type	Condominium
Details	4 bd · 2.5 ba · 2,678 sqft · built 2006
Lot Size	0.193 acres (8,407 sqft)
Owner	2 Individual Names on Record
Tax Bill	$3,850 (2025)
Deeds & Mortgages	May 2022 Line of Credit Dec 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`07-29-401-002`

Property Details

APN / Parcel Number

Primary APN	`07-29-401-002`
Alternative APN	`470729401002`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,678 sqft Living Area
1st Floor Area	1,333 sqft
Basement Area	1,333 sqft
Unfinished Basement	1,333 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Architectural Style	Condo/Apartment
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

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	3971 SILVER CHARM LN
City	HOWELL
State	MI
Zip	48843-9216
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 #2 LCCP #342 8/05
Legal Range	05E
Legal Township	03N
Legal Section	29
Legal Subdivision	FOREST RIDGE SITE CONDO
Legal Unit	2
Jurisdiction	LIVINGSTON MI
Township / Civil Division	OCEOLA
Census Block Group	3
Census Block	3006
Census Tract	712601

Owner

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	3971 SILVER CHARM LN, HOWELL, MI 48843-9216
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 18, 2022	Deed of Trust, Mortgage · Line of Credit LOC FCU
Dec 2, 2020	Deed of Trust, Mortgage · Conventional Mortgage MID AMERICA MTG
Feb 24, 2020	Deed of Trust, Mortgage · Conventional Mortgage MORTGAGE CTR

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Sep 20, 2026

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LIVINGSTON MI
Property Address	3971 SILVER CHARM LN, HOWELL, MI 48843-9216
Transaction Type	Mortgage
Record Updated	May 27, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3971 SILVER CHARM LN, HOWELL, MI 48843-9216

Mortgage

Document Number	0000014599
Date	May 18, 2022
Instrument	2022R-014599

Lender

Name	LOC FCU
Type	Credit Union
Address	FARMINGTON, MI 48336

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	May 17, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LIVINGSTON MI
Property Address	3971 SILVER CHARM LN, HOWELL, MI 48843-9216
Document Number	0000045196
Instrument Date	Dec 2, 2020
Transaction Type	Mortgage
Record Updated	Dec 28, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3971 SILVER CHARM LN HOWELL MI 488439216, HOWELL, MI 48843-9216

Mortgage

Document Number	0000045196
Date	Dec 8, 2020
Instrument	45196

Lender

Name	MID AMERICA MTG
Type	Mortgage Company
Address	ADDISON, TX 75001

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Dec 7, 2035

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LIVINGSTON MI
Property Address	3971 SILVER CHARM LN, HOWELL, MI 48843-9216
Document Number	0000007123
Instrument Date	Feb 24, 2020
Transaction Type	Mortgage
Record Updated	May 18, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3971 SILVER CHARM LN HOWELL MI 488439216, HOWELL, MI 48843-9216

Mortgage

Document Number	0000007123
Date	Mar 6, 2020
Instrument	7123

Lender

Name	MORTGAGE CTR
Type	Mortgage Company
Address	SOUTHFIELD, MI 48076

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Mar 5, 2035

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$220,600 (+15.44%)	$441,200 (+15.44%)
2025	$3,850.00 (+21.45%)
2023		$191,100
2021			$382,200
2019	$3,170.00

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

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.

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 320 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20

May also be available: AT&T, Surf Internet.

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