404 Pine St, Howard City, MI 49329 Property Records

Montcalm County property record for 404 Pine St, Howard City, MI 49329

Property Summary

Property Type	Single Family Home
Lot Size	0.255 acres (11,099 sqft)
Owner	2 Individual Names on Record
Last Sale	$207,500 (Aug 2021)
Tax Bill	$1,936 (2025)
Deeds & Mortgages	Aug 2021 Sale & Mortgage Feb 2021 Refinance + 5 more
APN	`047-228-012-00`

Property Details

APN / Parcel Number

Primary APN	`047-228-012-00`

Exterior

Lot Area	11,099 sqft (0.255 acres)
Lot Dimensions	150 ft deep x 75 ft wide

Location & Zoning

Street Address	404 PINE ST
City	HOWARD CITY
State	MI
Zip	49329-9030
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 12 & N 1/2 OF LOT 13 BLK 28 FIRST ADDITION TO VILLAGE OF HOWARD CITY
Legal Subdivision	FIRST ADDITION
Legal Block	28
Legal Lot Number	12-13
Jurisdiction	MONTCALM MI
Township / Civil Division	REYNOLDS
Census Block Group	3
Census Block	3039
Census Tract	970501

Owner

Source: Montcalm County records, as of July 6, 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	404 PINE ST, HOWARD CITY, MI 49329-9030
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 3, 2021	Warranty Deed, Transfer · Stand-Alone First Mortgage FINANCE AMERICA LLC
Feb 1, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance COMMUNITY FIRST FCU
Feb 17, 2017	Deed of Trust, Mortgage · Conventional Mortgage AMERIFIRST FINANCIAL CORP
Jan 5, 2021	Quit Claim Deed, Transfer · Stand-Alone Refinance COMMUNITY FIRST FCU
May 1, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance COMMUNITY FIRST FCU
Sep 10, 2018	Deed of Trust, Mortgage PNC BANK
Feb 17, 2017	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 3, 2021 · Amount on Record
Deed Sale	Aug 3, 2021 · Amount on Record
Prior Sale	Feb 17, 2017 · Amount on Record
Deed Document Number	202111016
Record Updated	Sep 20, 2026

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONTCALM MI
Recording Date	Aug 3, 2021
Property Address	404 PINE ST, HOWARD CITY, MI 49329-9030
Document Number	2021R11016
Instrument Date	Jul 30, 2021
Instrument	2021R11016
Transaction Type	Transfer
Record Updated	Aug 25, 2021
Title Company	CHICAGO TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	404 PINE ST, HOWARD CITY, MI 49329-9030

Mortgage

Document Number	2021R11017
Date	Aug 3, 2021
Instrument	2021R-11017

Lender

Name	FINANCE AMERICA LLC
Type	Subprime Lender

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2051

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTCALM MI
Property Address	404 PINE ST, HOWARD CITY, MI 49329-9030
Transaction Type	Mortgage
Record Updated	Feb 24, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2021R01497
Date	Feb 1, 2021
Instrument	2021R-01497

Lender

Name	COMMUNITY FIRST FCU

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	61 Months
Due	Mar 1, 2026

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTCALM MI
Property Address	404 PINE ST, HOWARD CITY, MI 49329-9030
Transaction Type	Mortgage
Record Updated	Feb 7, 2021
Title Company	GRAND RAPIDS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2017R01523
Date	Feb 17, 2017
Instrument	2017R-01523

Lender

Name	AMERIFIRST FINANCIAL CORP
Type	Funding / Finance Company
Address	PORTAGE, MI 49002

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Mar 1, 2032

January 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MONTCALM MI
Recording Date	Jan 5, 2021
Property Address	404 PINE ST, HOWARD CITY, MI 49329-9030
Document Number	2021R00206
Instrument Date	Dec 28, 2020
Instrument	2021R00206
Transaction Type	Transfer
Record Updated	Jun 22, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	404 PINE ST, HOWARD CITY, MI 49329-9030

Mortgage

Document Number	2021R00207
Date	Jan 5, 2021
Instrument	2021R-00207

Lender

Name	COMMUNITY FIRST FCU

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	241 Months
Due	Feb 1, 2041

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTCALM MI
Property Address	404 PINE ST, HOWARD CITY, MI 49329-9030
Transaction Type	Mortgage
Record Updated	May 22, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2019R04849
Date	May 1, 2019
Instrument	2019R-04849

Lender

Name	COMMUNITY FIRST FCU

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	61 Months
Due	Jun 1, 2024

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTCALM MI
Property Address	404 PINE ST, HOWARD CITY, MI 49329-9030
Transaction Type	Mortgage
Record Updated	Oct 31, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2018R09809
Date	Sep 10, 2018
Instrument	2018R-09809

Lender

Name	PNC BANK
Type	Bank

Agreement

Amount	Amount Recorded

February 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONTCALM MI
Recording Date	Feb 17, 2017
Property Address	404 PINE ST, HOWARD CITY, MI 49329-9030
Document Number	2017/1522
Book / Page	2017 / 1522
Instrument Date	Feb 14, 2017
Transaction Type	Transfer
Record Updated	Jun 22, 2021

Transaction

Amount	Amount Recorded
Tax	$1,032.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	404 PINE ST, 404, HOWARD CITY, MI 49329-9030

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8980 E 56TH ST, NEWAYGO, MI 49337-7912

Tax Assessment & Valuation

Source: Montcalm County assessment roll, as of July 6, 2026

Property Jurisdictions

Type	Name
State	Michigan
County	Montcalm County
County Subdivision	Reynolds Township
Municipality	Howard City Village
Unified School District	Tri County Area Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$112,600 (+1.99%)	$225,200 (+1.99%)
2025	$1,936.00 (+3.14%)	$110,400 (+28.82%)	$220,800 (+157.64%)
2024	$1,877.00
2023		$85,700	$85,700

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer

FEMA Flood Zone	Not on file

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	None beyond ember reach

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	HOWARD CITY serves 1,800 people · EPA ID MI0003240
Water Source	Groundwater
Last State Inspection	Apr 2025
Lead	Under 1 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	None 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 130 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
Point Broadband Fixed Wireless · Fiber in parts of the area	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: CMS Internet.

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