4093 Pepper Tree Ln, Howell, MI 48843 Property Records

Livingston County property record for 4093 Pepper Tree Ln, Howell, MI 48843

Property Summary

Property Type	Condominium
Details	3 bd · 3 ba · 1,288 sqft · built 2011
Lot Size	0.14 acres (6,098 sqft)
Owner	Individual Name on Record
Last Sale	$369,000 (Jul 2024)
Tax Bill	$3,846 (2025)
Deeds & Mortgages	Jan 2022 Line of Credit Jun 2021 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`07-28-103-112`

Property Details

APN / Parcel Number

Primary APN	`07-28-103-112`
Alternative APN	`470728103112`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	1,288 sqft Living Area
1st Floor Area	1,288 sqft
Basement Area	1,288 sqft
Unfinished Basement	1,288 sqft

Exterior

Year Built	Built 2011
Effective Year Built	Effective 2011
Architectural Style	Condo/Apartment
Lot Area	6,098 sqft (0.14 acres)
Lot Dimensions	40 ft deep x 51 ft wide
Garage Area	460 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	4093 PEPPER TREE LN
City	HOWELL
State	MI
Zip	48843-8210
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	C,RM,PUD
Legal Description	SEC 28 T3N R5E ORCHARD PARK VILLAGE CONDOMINIUM, LCCP # 364 UNIT #112 PUD APP 6/01 NO. 5443 OCEOLA VILLAGE SPLIT ON
Legal Range	05E
Legal Township	03N
Legal Section	28
Legal Subdivision	ORCHARD PARK
Legal Unit	112
Jurisdiction	LIVINGSTON MI
Township / Civil Division	OCEOLA
Census Block Group	1
Census Block	1006
Census Tract	712602

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	Individual Name on Record
Mailing Address	4093 PEPPER TREE LN, HOWELL, MI 48843-8210
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 20, 2022	Deed of Trust, Mortgage · Line of Credit FLAGSTAR BANK FSB
Jun 15, 2021	Warranty Deed, Transfer · Conventional Mortgage FLAGSTAR BANK FSB
Jun 15, 2020	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MTG
Feb 20, 2020	Deed of Trust, Mortgage FREEDOM MTG
Jul 25, 2017	Quit Claim Deed, Mortgage · FHA Mortgage FREEDOM MTG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 26, 2024 · Amount on Record
Deed Sale	Jul 26, 2024 · Amount on Record
Prior Sale	Jun 15, 2021 · Amount on Record
Deed Document Number	202413236
Prior Transfer Date	Jul 17, 2017
Prior Transfer Doc	2017R021625
Record Updated	Sep 20, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LIVINGSTON MI
Property Address	4093 PEPPER TREE LN, HOWELL, MI 48843-8210
Transaction Type	Mortgage
Record Updated	Feb 3, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4093 PEPPER TREE LN, HOWELL, MI 48843-8210

Mortgage

Document Number	0000002300
Date	Jan 20, 2022
Instrument	2022R-002300

Lender

Name	FLAGSTAR BANK FSB
Type	Bank
Address	TROY, MI 48098

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	358 Months
Due	Nov 1, 2051

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LIVINGSTON MI
Recording Date	Jun 15, 2021
Property Address	4093 PEPPER TREE LN, HOWELL, MI 48843-8210
Document Number	2021R025635
Map Reference	DOC 2006R-021045
Instrument Date	May 26, 2021
Instrument	2021R-025635
Transaction Type	Transfer
Record Updated	Jul 7, 2021
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,062.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4093 PEPPER TREE LN # 112, 4093, HOWELL, MI 48843-8210

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4093 PEPPER TREE LN # 112, 112, HOWELL, MI 48843-8210
Investor	Possibly a Property Investor

Mortgage

Document Number	0000025680
Date	Jun 15, 2021
Instrument	2021R-025680

Lender

Name	FLAGSTAR BANK FSB
Type	Bank
Address	TROY, MI 48098

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2051

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LIVINGSTON MI
Property Address	4093 PEPPER TREE LN, HOWELL, MI 48843-8210
Document Number	0000023522
Instrument Date	Jun 15, 2020
Transaction Type	Mortgage
Record Updated	Sep 4, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4093 PEPPER TREE LN HOWELL MI 488438210, HOWELL, MI 48843-8210

Mortgage

Document Number	0000023522
Date	Jul 20, 2020
Instrument	23522

Lender

Name	FREEDOM MTG
Type	Mortgage Company
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 19, 2050

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LIVINGSTON MI
Property Address	4093 PEPPER TREE LN, HOWELL, MI 48843-8210
Document Number	0000006580
Instrument Date	Feb 20, 2020
Transaction Type	Mortgage
Record Updated	May 21, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4093 PEPPER TREE LN #112 HOWELL MI 488438210, 112, HOWELL, MI 48843-8210

Mortgage

Document Number	0000006580
Date	Mar 3, 2020
Instrument	6580

Lender

Name	FREEDOM MTG
Type	Mortgage Company
Address	MOUNT LAUREL, NJ 08054

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Mar 2, 2050

July 2017: Quit Claim Deed, Mortgage

Document Type	Quit Claim Deed
Jurisdiction	LIVINGSTON MI
Recording Date	Jul 25, 2017
Property Address	4093 PEPPER TREE LN, HOWELL, MI 48843-8210
Document Number	0000021625
Instrument Date	Jul 7, 2017
Instrument	21625
Transaction Type	Mortgage
Record Updated	Aug 9, 2017
Title Company	INSPIRE CLOSING SERVICES LLC, INSPIRE CLOSING SVCS LLC

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4093 PEPPER TREE LN HOWELL MI 488438210, HOWELL, MI 48843-8210

Mortgage

Document Number	21626
Date	Jul 25, 2017
Instrument	21626

Lender

Name	FREEDOM MTG
Type	Mortgage Company
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 24, 2047

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		$164,600 (+1.54%)	$329,200 (+1.54%)
2025	$3,846.00 (+20.87%) Homeowner's exemption	$162,100 (+19.19%)	$324,200 (+19.19%)
2023		$136,000
2021			$272,000
2019	$3,182.00

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

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 Claims	2 (2008)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Nov 2008 · river or lake flooding

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	None beyond ember reach

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

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20

May also be available: AT&T, Surf Internet.

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