4109 Pepper Tree Ln, Howell, MI 48843 Property Records

Livingston County property record for 4109 Pepper Tree Ln, Howell, MI 48843

Property Summary

Property Type	Condominium
Details	3 bd · 2 ba · 1,538 sqft · built 2013
Lot Size	0.143 acres (6,229 sqft)
Owner	2 Individual Names on File
Last Sale	$267,500 (Dec 2020)
Tax Bill	$3,616 (2025)
Deeds & Mortgages	Jan 2023 Transfer Dec 2020 Sale + 4 more
Flood Zone	Zone X (minimal risk)
APN	`07-28-103-110`

Property Details

APN / Parcel Number

Primary APN	`07-28-103-110`
Alternative APN	`470728103110`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,538 sqft Living Area
1st Floor Area	1,500 sqft
Basement Area	1,500 sqft
Unfinished Basement	1,500 sqft

Exterior

Year Built	Built 2013
Effective Year Built	Effective 2013
Architectural Style	Condo/Apartment
Lot Area	6,229 sqft (0.143 acres)
Lot Dimensions	40 ft deep x 52 ft wide
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	4109 PEPPER TREE LN
City	HOWELL
State	MI
Zip	48843-8211
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 #110 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	110
Jurisdiction	LIVINGSTON MI
Township / Civil Division	OCEOLA
Census Block Group	1
Census Block	1006
Census Tract	712602

Owner

4109 Pepper Tree Ln, a condominium, is owned and occupied by two individuals who acquired it in December 2022.

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

Owner of Record	2 Individual Names on File
Mailing Address	4109 PEPPER TREE LN, HOWELL, MI 48843-8211
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
Jan 11, 2023	Intrafamily Transfer, Transfer
Dec 8, 2020	Warranty Deed, Transfer ATTORNEY ONLY
Jul 30, 2019	Deed of Trust, Mortgage · Conventional with PMI UNION HM MTG CORP
Feb 6, 2019	Warranty Deed, Transfer · Conventional with PMI UNION HM MTG CORP
Jun 13, 2018	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MTG
Oct 6, 2017	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 8, 2020 · Amount on File
Deed Sale	Dec 8, 2020 · Amount on File
Prior Sale	Feb 6, 2019 · Amount on File
Deed Document Number	202044994
Last Transfer Date	Dec 27, 2022
Transfer Doc	0000000586
Record Updated	Sep 20, 2026

January 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	LIVINGSTON MI
Recording Date	Jan 11, 2023
Property Address	4109 PEPPER TREE LN, HOWELL, MI 48843-8211
Document Number	0000000586
Map Reference	DOC 2006R-021045
Instrument Date	Dec 27, 2022
Instrument	2023R-000586
Transaction Type	Transfer
Record Updated	Jun 7, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4109 PEPPER TREE LN, HOWELL, MI 48843-8211

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Living Trust
Address	4109 PEPPER TREE LN, HOWELL, MI 48843-8211

December 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LIVINGSTON MI
Recording Date	Dec 8, 2020
Property Address	4109 PEPPER TREE LN, HOWELL, MI 48843-8211
Document Number	0000044994
Instrument Date	Nov 30, 2020
Instrument	44994
Transaction Type	Transfer
Record Updated	Dec 23, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$2,301.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4109 PEPPER TREE LN HOWELL MI 488438211, HOWELL, MI 48843-8211

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LIVINGSTON MI
Property Address	4109 PEPPER TREE LN, HOWELL, MI 48843-8211
Document Number	0000020083
Instrument Date	Jul 30, 2019
Transaction Type	Mortgage
Record Updated	Aug 19, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4109 PEPPER TREE LN HOWELL MI 488438211, HOWELL, MI 48843-8211

Mortgage

Document Number	0000020083
Date	Aug 5, 2019
Instrument	20083

Lender

Name	UNION HM MTG CORP
Address	STRONGSVILLE, OH 44136

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Aug 4, 2049

February 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LIVINGSTON MI
Recording Date	Feb 6, 2019
Property Address	4109 PEPPER TREE LN, HOWELL, MI 48843-8211
Document Number	0000002908
Instrument Date	Jan 30, 2019
Instrument	2908
Transaction Type	Transfer
Record Updated	Feb 18, 2019
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,193.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1622 GEORGETOWN PKWY FENTON MI 484303243, FENTON, MI 48430-3243

Mortgage

Document Number	2909
Date	Feb 6, 2019
Instrument	2909

Lender

Name	UNION HM MTG CORP
Address	FENTON, MI 48430

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Feb 5, 2049

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LIVINGSTON MI
Property Address	4109 PEPPER TREE LN, HOWELL, MI 48843-8211
Document Number	0000016476
Instrument Date	Jun 13, 2018
Transaction Type	Mortgage
Record Updated	Jul 10, 2018
Title Company	INSPIRE CLOSING SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4109 PEPPER TREE LN #110 HOWELL MI 488438211, 110, HOWELL, MI 48843-8211

Mortgage

Document Number	0000016476
Date	Jun 21, 2018
Instrument	16476

Lender

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

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 20, 2048

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LIVINGSTON MI
Property Address	4109 PEPPER TREE LN, HOWELL, MI 48843-8211
Document Number	0000030210
Instrument Date	Oct 6, 2017
Transaction Type	Mortgage
Record Updated	Nov 2, 2017
Title Company	INSPIRE CLOSING SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4109 PEPPER TREE LN HOWELL MI 488438211, HOWELL, MI 48843-8211

Mortgage

Document Number	0000030210
Date	Oct 13, 2017
Instrument	30210

Lender

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

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 12, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 4109 Pepper Tree Ln was $3,616 with a homeowner's exemption.

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		$176,000	$352,000
2025	$3,616.00
2023		$144,400
2021			$288,800
2019	$2,966.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 4109 Pepper Tree Ln in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2008.

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

Wildfire risk around 4109 Pepper Tree Ln is low, with 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 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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