409 Lake St, Howell, MI 48843 Property Records

Livingston County property record for 409 Lake St, Howell, MI 48843

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,290 sqft · built 1900
Lot Size	0.2 acres (8,712 sqft)
Owner	Individual Name on File
Last Sale	$317,500 (Apr 2026)
Tax Bill	$3,600 (2025)
Deeds & Mortgages	May 2022 Mortgage Apr 2026 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`17-36-103-059`

Property Details

APN / Parcel Number

Primary APN	`17-36-103-059`
Alternative APN	`471736103059`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Building Area	1,290 sqft Living Area
1st Floor Area	810 sqft
Basement Area	416 sqft
Unfinished Basement	810 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Exterior Material	Wood Siding
Roof Type	Gable
Lot Area	8,712 sqft (0.2 acres)
Lot Dimensions	132 ft deep x 66 ft wide
Garage Area	364 sqft
Parking Spaces	1 Parking Space
Porch	Porch
Porch Area	78 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Municipal

Location & Zoning

Street Address	409 LAKE ST
City	HOWELL
State	MI
Zip	48843-1619
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	SEC 36, T3N R4E, CITY OF HOWELL UNPLATTED PARCELS BEG. 4 RDS. W OF NW COR. OF LOT 12 EUGENE E. HOWE'S ADDITION NO. 1. THENCE
Legal Range	04E
Legal Township	03N
Legal Section	36
Legal Subdivision	EUGENE E HOWES ADD
Legal Tract	725000
Legal Lot Number	12
Jurisdiction	LIVINGSTON MI
Township / Civil Division	HOWELL
Census Block Group	6
Census Block	6012
Census Tract	725000

Owner

409 Lake St is owned and occupied by an individual who bought it in April 2026.

Source: Livingston County records, as of August 17, 2026

Owner of Record	Individual Name on File
Mailing Address	10541 KENRICH DR, BRIGHTON, MI 48116-9572
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
May 31, 2022	Deed of Trust, Mortgage · Conventional Mortgage NATIONSTAR MORTGAGE LLC
Apr 28, 2026	Warranty Deed, Transfer · Conventional Mortgage LAKE MICHIGAN CREDIT UNION

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 28, 2026 · Amount on File
Deed Sale	Apr 28, 2026 · Amount on File
Prior Sale	Jul 6, 2016 · Amount on File
Deed Document Number	20269139
Record Updated	Sep 20, 2026

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LIVINGSTON MI
Property Address	409 LAKE ST, HOWELL, MI 48843-1619
Transaction Type	Mortgage
Record Updated	May 15, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	409 LAKE ST, HOWELL, MI 48843-1619

Mortgage

Document Number	0000015626
Date	May 31, 2022
Instrument	2022R-015626

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2052

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LIVINGSTON MI
Recording Date	Apr 28, 2026
Property Address	409 LAKE ST, HOWELL, MI 48843-1619
Document Number	0000009139
Instrument Date	Apr 24, 2026
Instrument	2026.9139
Transaction Type	Transfer
Record Updated	May 18, 2026
Title Company	LIBERTY TITLE

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$240,506.25
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10541 KENRICH DR, BRIGHTON, MI 48116-9572

Mortgage

Document Number	0000009435,
Date	Apr 28, 2026
Instrument	2026.9435

Lender

Name	LAKE MICHIGAN CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.11%
Initial Type	Fixed Rate
Max Rate	-1%

Tax Assessment & Valuation

The 2025 property tax bill for 409 Lake St was $3,600 with a homeowner's exemption.

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

Property Jurisdictions

Type	Name
State	Michigan
County	Livingston County
Municipality	Howell City
Unified School District	Howell Public Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$121,900 (-4.84%)	$243,800 (-4.84%)
2025	$3,600.00 Homeowner's exemption	$128,100	$256,200
2023		$107,600
2021			$215,200

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 409 Lake St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective September 17, 2008 · 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
Nearby Flood Policies	3 in force

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

Wildfire risk around 409 Lake St is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 95% of the US · lower than 89% of Michigan
Wildfire Likelihood	Under 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	CITY OF HOWELL serves 9,914 people · EPA ID MI0003250
Water Source	Groundwater
Last State Inspection	Aug 2023
Lead	Under 1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 267 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
ACD.net Fiber	10,000 / 10,000
Surf Internet Fiber	8,000 / 8,000
Xfinity Cable	2,000 / 250
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: Verizon.

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