401 E Hanover St, Pentwater, MI 49449 Property Records

Oceana County property record for 401 E Hanover St, Pentwater, MI 49449

Property Summary

Property Type	Single Family Home
Lot Size	0.425 acres (18,551 sqft)
Owner	Individual Name on Record
Tax Bill	$3,330 (2025)
Deeds & Mortgages	Oct 2023 Mortgage Sep 2019 Construction Loan + 1 more
Flood Zone	Zone X (minimal risk)
APN	`044-133-009-10`

Property Details

APN / Parcel Number

Primary APN	`044-133-009-10`

Exterior

Lot Area	18,551 sqft (0.425 acres)

Location & Zoning

Street Address	401 E HANOVER ST
City	PENTWATER
State	MI
Zip	49449-9426
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	401 E HANOVER ST WD-L2012P19324 SPL FR 009-00 IN 1978 BLOCK 3 - COBB'S ADDITION TO VILLAGE OF PENTWATER N 80 FT OF LOTS 9 & 1
Legal Subdivision	COBB'S ADDITION
Legal Block	3
Legal Lot Number	9-10
Jurisdiction	OCEANA MI
Township / Civil Division	PENTWATER
Census Block Group	1
Census Block	1058
Census Tract	10800

Owner

Source: Oceana County records, as of October 13, 2026

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

Owner of Record	Individual Name on Record
Mailing Address	PO BOX 911, PENTWATER, MI 49449-0911
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 27, 2023	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Sep 11, 2019	Deed of Trust, Mortgage · Construction Mortgage THE HUNTINGTON NATIONAL BANK
Jan 3, 2017	Deed of Trust, Mortgage · Line of Credit THE HUNTINGTON NATIONAL BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 1, 2012
Deed Sale	Aug 1, 2012
Deed Book / Page	2012 / 19324
Record Updated	Oct 29, 2026

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OCEANA MI
Property Address	401 E HANOVER ST, PENTWATER, MI 49449-9426
Transaction Type	Mortgage
Record Updated	Nov 13, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	401 E HANOVER ST, PENTWATER, MI 49449-9426

Mortgage

Document Number	2023/19005
Date	Oct 27, 2023
Book Page	2023/19005
Instrument	202300005218

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2053

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OCEANA MI
Property Address	401 E HANOVER ST, PENTWATER, MI 49449-9426
Transaction Type	Mortgage
Record Updated	Oct 23, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2019/015956
Date	Sep 11, 2019
Book Page	2019/015956
Instrument	201900004956

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank
Address	COLUMBUS, OH 43231

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Aug 26, 2049

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OCEANA MI
Property Address	401 E HANOVER ST, PENTWATER, MI 49449-9426
Transaction Type	Mortgage
Record Updated	Feb 18, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	, 201700000014
Date	Jan 3, 2017
Book Page	2017/000092
Instrument	201700000014

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank
Address	COLUMBUS, OH 43229

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Dec 1, 2046

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		$194,900 (-4.69%) Land $194,900	$389,800 (-4.69%) Land $389,800
2025	$3,330.00 (+17.54%) Homeowner's exemption	$204,500 (+37.62%) Land $204,500	$409,000 (+37.62%) Land $409,000
2023		$148,600 Land $148,600	$297,200 (-) Land $297,200
2022	$2,833.00		$297,200

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.

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 138 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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