4138 Pepper Tree Ln, Howell, MI 48843 Property Records

Livingston County property record for 4138 Pepper Tree Ln, Howell, MI 48843

Property Summary

Property Type	Condominium
Details	3 bd · 3 ba · 1,975 sqft · built 2012
Lot Size	0.147 acres (6,403 sqft)
Owner	2 Individual Names on Record
Last Sale	$335,500 (May 2021)
Tax Bill	$4,024 (2025)
Deeds & Mortgages	May 2021 Sale Nov 2020 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`07-28-103-119`

Property Details

APN / Parcel Number

Primary APN	`07-28-103-119`
Alternative APN	`470728103119`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	2 Half Baths
Stories	2 Stories
Building Area	1,975 sqft Living Area
1st Floor Area	948 sqft
Basement Area	948 sqft
Unfinished Basement	948 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2012
Effective Year Built	Effective 2012
Architectural Style	Condo/Apartment
Lot Area	6,403 sqft (0.147 acres)
Lot Dimensions	41 ft deep x 52 ft wide
Garage Area	495 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	4138 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 #119 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	119
Jurisdiction	LIVINGSTON MI
Township / Civil Division	OCEOLA
Census Block Group	1
Census Block	1001
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	2 Individual Names on Record
Mailing Address	4138 PEPPER TREE LN, HOWELL, MI 48843-8211
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 5, 2021	Warranty Deed, Transfer SELECT TITLE COMPANY
Nov 2, 2020	Deed of Trust, Mortgage · Conventional Mortgage HIGHLANDS RESID'L MTG
Jul 6, 2018	Deed of Trust, Mortgage · Conventional with PMI QUICKEN LNS
Jan 9, 2018	Loan Modification, Mortgage INDEPENDENT BK
Nov 8, 2017	Quit Claim Deed, Transfer CISCO TITLE
Oct 17, 2017	Warranty Deed, Transfer · Conventional with PMI LIBERTY SVGS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 5, 2021 · Amount on Record
Deed Sale	May 5, 2021 · Amount on Record
Prior Sale	Oct 17, 2017 · Amount on Record
Deed Document Number	202120153
Prior Transfer Date	Oct 11, 2017
Prior Transfer Doc	2017R032999
Record Updated	Sep 20, 2026

May 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LIVINGSTON MI
Recording Date	May 5, 2021
Property Address	4138 PEPPER TREE LN, HOWELL, MI 48843-8211
Document Number	2021R020153
Map Reference	DOC 2006R-021045
Instrument Date	Apr 30, 2021
Instrument	2021R-020153
Transaction Type	Transfer
Record Updated	May 24, 2021
Title Company	SELECT TITLE COMPANY

Transaction

Amount	Amount Recorded
Tax	$2,516.25
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2425 CROSSINGS CIR, DAVISON, MI 48423-8646

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LIVINGSTON MI
Property Address	4138 PEPPER TREE LN, HOWELL, MI 48843-8211
Document Number	0000041024
Instrument Date	Nov 2, 2020
Transaction Type	Mortgage
Record Updated	Nov 23, 2020
Title Company	CISLO TITLE, CISLO TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	4138 PEPPER TREE LN HOWELL MI 488438211, HOWELL, MI 48843-8211

Mortgage

Document Number	0000041024
Date	Nov 10, 2020
Instrument	41024

Lender

Name	HIGHLANDS RESID'L MTG
Type	Mortgage Company
Address	DALLAS, TX 75243

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 9, 2050

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LIVINGSTON MI
Property Address	4138 PEPPER TREE LN, HOWELL, MI 48843-8211
Document Number	0000018612
Instrument Date	Jul 6, 2018
Transaction Type	Mortgage
Record Updated	Aug 3, 2018
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4138 PEPPER TREE LN HOWELL MI 488438211, HOWELL, MI 48843-8211

Mortgage

Document Number	0000018612
Date	Jul 12, 2018
Instrument	18612

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jul 11, 2048

January 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	LIVINGSTON MI
Property Address	4138 PEPPER TREE LN, HOWELL, MI 48843-8211
Document Number	0000001463
Instrument Date	Jan 9, 2018
Transaction Type	Mortgage
Record Updated	Nov 20, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4138 PEPPER LN HOWELL MI 48843, HOWELL, MI 48843

Mortgage

Document Number	0000001463
Date	Jan 16, 2018
Instrument	1463

Lender

Name	INDEPENDENT BK
Type	Bank
Address	GRAND RAPIDS, MI 49252

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jan 15, 2048

Interest

Rate Type	Fixed Rate

November 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LIVINGSTON MI
Recording Date	Nov 8, 2017
Property Address	4138 PEPPER TREE LN, HOWELL, MI 48843-8211
Document Number	0000032999
Instrument Date	Oct 11, 2017
Instrument	32999
Transaction Type	Transfer
Record Updated	Jan 11, 2019
Title Company	CISCO TITLE

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	4138 PEPPER TREE LN HOWELL MI 488438211, HOWELL, MI 48843-8211

October 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LIVINGSTON MI
Recording Date	Oct 17, 2017
Property Address	4138 PEPPER TREE LN, HOWELL, MI 48843-8211
Document Number	0000030487
Instrument Date	Oct 11, 2017
Instrument	30487
Transaction Type	Transfer
Record Updated	Nov 17, 2017
Title Company	CISLO TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,407.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3212 SHEFFIELD DR HOWELL MI 488556771, HOWELL, MI 48855-6771

Mortgage

Document Number	30488
Date	Oct 17, 2017
Instrument	30488

Lender

Name	LIBERTY SVGS
Type	Federal Savings Bank
Address	WILMINGTON, OH 45177

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	180 Months
Due	Oct 16, 2032

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		$194,700 (+1.35%)	$389,400 (+1.35%)
2025	$4,024.00 (+11.22%) Homeowner's exemption	$192,100 (+20.59%)	$384,200 (+20.59%)
2023		$159,300
2021			$318,600
2019	$3,618.00

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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