3976 Silver Charm Ln, Howell, MI 48843 Property Records

Livingston County property record for 3976 Silver Charm Ln, Howell, MI 48843

Property Summary

Property Type	Condominium
Details	2 ba · 2,256 sqft · built 2018
Lot Size	0.193 acres (8,407 sqft)
Owner	2 Individual Names on Record
Last Sale	$340,145 (Aug 2019)
Tax Bill	$4,793 (2025)
Deeds & Mortgages	Apr 2023 Line of Credit Nov 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`07-29-401-018`

Property Details

APN / Parcel Number

Primary APN	`07-29-401-018`
Alternative APN	`470729401018`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	2,256 sqft Living Area
1st Floor Area	2,256 sqft
Basement Area	2,256 sqft

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Architectural Style	Condo/Apartment
Lot Area	8,407 sqft (0.193 acres)
Lot Dimensions	40 ft deep x 70 ft wide
Garage Area	440 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	3976 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 #18 LCCP #342 8/05
Legal Range	05E
Legal Township	03N
Legal Section	29
Legal Subdivision	FOREST RIDGE SITE CONDO
Legal Unit	18
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	3976 SILVER CHARM LN, HOWELL, MI 48843-9216
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 12, 2023	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK NA
Nov 29, 2021	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Aug 13, 2019	Warranty Deed, Subdivision Related Transfer · Conventional Mortgage LIBERTY SVGS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 13, 2019 · Amount on Record
Deed Sale	Aug 13, 2019 · Amount on Record
Prior Sale	Jan 26, 2015
Deed Document Number	201921038
Record Updated	Sep 20, 2026

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LIVINGSTON MI
Property Address	3976 SILVER CHARM LN, HOWELL, MI 48843-9216
Transaction Type	Mortgage
Record Updated	Apr 26, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3976 SILVER CHARM LN, HOWELL, MI 48843-9216

Mortgage

Document Number	0000006007
Date	Apr 12, 2023
Instrument	2023R-006007

Lender

Name	CITIZENS BANK NA
Type	Bank
Address	PROVIDENCE, RI 02903

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Apr 5, 2048

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LIVINGSTON MI
Property Address	3976 SILVER CHARM LN, HOWELL, MI 48843-9216
Transaction Type	Mortgage
Record Updated	Dec 16, 2021
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3976 SILVER CHARM LN, HOWELL, MI 48843-9216

Mortgage

Document Number	0000047737
Date	Nov 29, 2021
Instrument	2021R-047737

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48266

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2051

August 2019: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	LIVINGSTON MI
Recording Date	Aug 13, 2019
Property Address	3976 SILVER CHARM LN, HOWELL, MI 48843-9216
Document Number	0000021038
Instrument Date	Aug 5, 2019
Instrument	21038
Transaction Type	Subdivision Related Transfer
Record Updated	Aug 27, 2019
Title Company	GREATER MACOMB TITLE AGENCY, GREATER MACOMB TITLE AGCY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,925.25
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	203 RIDDLE ST HOWELL MI 488431133, HOWELL, MI 48843-1133

Mortgage

Document Number	21032
Date	Aug 13, 2019
Instrument	21032

Lender

Name	LIBERTY SVGS
Type	Federal Savings Bank
Address	WILMINGTON, OH 45177

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 12, 2049

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		$242,400 (+17.5%)	$484,800 (+17.5%)
2025	$4,793.00 (+354.74%)
2023		$206,300
2021			$412,600
2019	$1,054.00

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

Provider	Max Down / Up (Mbps)
Surf Internet Fiber	8,000 / 8,000
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20

May also be available: AT&T.

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