40 Kenneth, Pentwater, MI 49449 Property Records

Oceana County property record for 40 Kenneth, Pentwater, MI 49449

Property Summary

Property Type	Condominium
Lot Size	0.001 acres (70 sqft)
Owner	Company Name on Record
Last Sale	$32,000 (Apr 2020)
Tax Bill	$5,474 (2025)
Deeds & Mortgages	Apr 2021 Line of Credit Dec 2020 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`044-362-040-00`

Property Details

APN / Parcel Number

Primary APN	`044-362-040-00`

Exterior

Architectural Style	Condo/Apartment
Lot Area	70 sqft (0.001 acres)

Location & Zoning

Street Address	40 KENNETH
City	PENTWATER
State	MI
Zip	49449-7529
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Legal Description	WD 2020/7109 D-L2012P3773 COV-L2016/P8932 SEC 14 T16N R18W. THE COTTAGES AT LITES? WOODS CONDOMINIUMS UNIT 40 AS AMENDED BY THE FIFTH AMENDMENT TO MASTER DEED OF LITES? WOODS (2019/14443)
Legal Range	18W
Legal Township	16N
Legal Section	14
Legal Subdivision	THE COTTAGES AT LITES WOODS
Legal Unit	40
Jurisdiction	OCEANA MI
Township / Civil Division	PENTWATER
Census Block Group	1
Census Block	1113
Census Tract	10800

Owner

Source: Oceana County records, as of October 16, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on Record
Mailing Address	40 KENNETH, PENTWATER, MI 49449-7529
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Living Trust

Deeds, Mortgages & Sale History

Date	Document
Apr 29, 2021	Deed of Trust, Mortgage · Line of Credit THE SHELBY STATE BANK
Dec 8, 2020	Deed of Trust, Mortgage · Line of Credit THE SHELBY STATE BANK
May 28, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage THE SHELBY STATE BANK
Apr 21, 2020	Warranty Deed, Transfer TOWN TITLE AGENCY LLC, OWNERS TITLE AGENCY LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 21, 2020 · Amount on Record
Deed Sale	Apr 21, 2020 · Amount on Record
Deed Document Number	20202303
Deed Book / Page	2020 / 7109
Last Transfer Date	Sep 13, 2023
Transfer Doc	0000005174
Record Updated	Oct 29, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OCEANA MI
Property Address	40 KENNETH, PENTWATER, MI 49449-7529
Transaction Type	Mortgage
Record Updated	Jun 2, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2021/11316
Date	Apr 29, 2021
Book Page	2021/11316
Instrument	202100003294

Lender

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

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	83 Months
Due	Mar 23, 2028

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OCEANA MI
Property Address	40 KENNETH, PENTWATER, MI 49449-7529
Transaction Type	Mortgage
Record Updated	May 28, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2020/27491
Date	Dec 8, 2020
Book Page	2020/27491
Instrument	202000007125

Lender

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

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OCEANA MI
Recording Date	May 28, 2021
Property Address	40 KENNETH, PENTWATER, MI 49449-7529
Document Number	2021/14414
Book / Page	2021 / 14414
Instrument Date	May 25, 2021
Instrument	202100004095
Transaction Type	Transfer
Record Updated	Jul 22, 2022

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	40 KENNETH, PENTWATER, MI 49449-7529

Mortgage

Document Number	2021/14422
Date	May 28, 2021
Book Page	2021/14422
Instrument	202100004098

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Jun 1, 2036

April 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OCEANA MI
Recording Date	Apr 21, 2020
Property Address	40 KENNETH, PENTWATER, MI 49449-7529
Document Number	2020/7109
Book / Page	2020 / 7109
Map Reference	LB 2004 PG 36719
Instrument Date	Apr 16, 2020
Instrument	202000002303
Transaction Type	Transfer
Record Updated	May 28, 2021
Title Company	TOWN TITLE AGENCY LLC, OWNERS TITLE AGENCY LLC

Transaction

Amount	Amount Recorded
Tax	$275.20
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2787 HAWTHOME DRIVE, 2787, ATLANTA, GA 30345

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20 E 6TH ST, SHELBY, MI 49455-1114

Tax Assessment & Valuation

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		$331,200 (+18.92%) Land $331,200	$662,400 (+18.92%) Land $662,400
2025	$5,474.00 (+17.54%) Homeowner's exemption	$278,500 (+32.12%) Land $278,500	$557,000 (+32.12%) Land $557,000
2023		$210,800 Land $210,800	$421,600 (-) Land $421,600
2022	$4,657.00		$421,600

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 August 23, 2021 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record 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

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

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: Frontier.

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