4149 Pepper Tree Ln, Howell, MI 48843 Property Records

Livingston County property record for 4149 Pepper Tree Ln, Howell, MI 48843

Property Summary

Property Type	Condominium
Details	4 bd · 2.5 ba · 2,486 sqft · built 2013
Lot Size	0.143 acres (6,229 sqft)
Owner	2 Individual Names on Record
Last Sale	$413,000 (Aug 2025)
Tax Bill	$4,128 (2025)
Deeds & Mortgages	Feb 2026 Mortgage Aug 2025 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`07-28-103-105`

Property Details

APN / Parcel Number

Primary APN	`07-28-103-105`
Alternative APN	`470728103105`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,486 sqft Living Area
1st Floor Area	1,378 sqft
Basement Area	1,378 sqft
Unfinished Basement	1,378 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	420 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	4149 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 #105 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	105
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	2 Individual Names on Record
Mailing Address	1991 BUCKINGHAM AVE, BERKLEY, MI 48072-1262
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Feb 26, 2026	Deed of Trust, Mortgage · Conventional Mortgage SIMPLE HOME LENDING LLC
Aug 12, 2025	Warranty Deed, Transfer · Conventional Mortgage SIMPLE HOME LENDING LLC
Apr 7, 2020	Loan Modification, Mortgage · Conventional with PMI SHELLPOINT MTG SVCNG
Apr 3, 2018	Warranty Deed, Transfer · Stand-Alone Refinance ROSS MORTGAGE COMPANY INC
Jun 9, 2017	Deed of Trust, Mortgage · Conventional Mortgage VILLAGE CAP & INVS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 12, 2025 · Amount on Record
Deed Sale	Aug 12, 2025 · Amount on Record
Prior Sale	Apr 3, 2018 · Amount on Record
Deed Document Number	202515735
Record Updated	Sep 20, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LIVINGSTON MI
Property Address	4149 PEPPER TREE LN, HOWELL, MI 48843-8211
Transaction Type	Mortgage
Record Updated	Mar 10, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4149 PEPPER TREE LN, HOWELL, MI 48843-8211

Mortgage

Document Number	0000003879
Date	Feb 26, 2026
Instrument	2026R-003879

Lender

Name	SIMPLE HOME LENDING LLC
Address	17901 HALL RD, MACOMB, MI 48044

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2056

August 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LIVINGSTON MI
Recording Date	Aug 12, 2025
Property Address	4149 PEPPER TREE LN, HOWELL, MI 48843-8211
Document Number	0000015735
Map Reference	DOC 2006R-021045
Instrument Date	Aug 8, 2025
Instrument	2025R-015735
Transaction Type	Transfer
Record Updated	Sep 24, 2025
Title Company	ROSE TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,097.50
Amount Accuracy	Full Amount Stated
Additional	Notice of Trustee Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4149 PEPPER TREE LN, HOWELL, MI 48843-8211

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1991 BUCKINGHAM AVE, BERKLEY, MI 48072-1262

Mortgage

Document Number	0000017940
Date	Aug 12, 2025
Instrument	2025R-017940

Lender

Name	SIMPLE HOME LENDING LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2055

April 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	LIVINGSTON MI
Property Address	4149 PEPPER TREE LN, HOWELL, MI 48843-8211
Document Number	0000027419
Instrument Date	Apr 7, 2020
Transaction Type	Mortgage
Record Updated	Sep 11, 2020
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4149 PEPPER TREE LN HOWELL MI 488438211, HOWELL, MI 48843-8211

Mortgage

Document Number	0000027419
Date	Aug 14, 2020
Instrument	27419

Lender

Name	SHELLPOINT MTG SVCNG
Address	GREENVILLE, SC 29601

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	480 Months
Due	Aug 13, 2060

Interest

Rate	3.75%

April 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LIVINGSTON MI
Recording Date	Apr 3, 2018
Property Address	4149 PEPPER TREE LN, HOWELL, MI 48843-8211
Document Number	0000008168
Instrument Date	Mar 29, 2018
Instrument	2018R-008168
Transaction Type	Transfer
Record Updated	Aug 12, 2022

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	301 HILBURN WAY, SIMPSONVILLE, SC 29680-6461

Mortgage

Document Number	0000008169
Date	Apr 3, 2018
Instrument	2018R-008169

Lender

Name	ROSS MORTGAGE COMPANY INC

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2048

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LIVINGSTON MI
Property Address	4149 PEPPER TREE LN, HOWELL, MI 48843-8211
Document Number	0000019360
Instrument Date	Jun 9, 2017
Transaction Type	Mortgage
Record Updated	Jul 25, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4149 PEPPER TREE LN #105 HOWELL MI 488438211, 105, HOWELL, MI 48843-8211

Mortgage

Document Number	0000019360
Date	Jul 3, 2017
Instrument	19360

Lender

Name	VILLAGE CAP & INVS
Type	Funding / Finance Company
Address	HENDERSON, NV 89052

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 2, 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		$223,800 (+2.47%)	$447,600 (+2.47%)
2025	$4,128.00 (-21.95%) Homeowner's exemption	$218,400 (+21.13%)	$436,800 (+21.13%)
2024	$5,289.00 (+40.4%)
2023		$180,300
2021			$360,600
2019	$3,767.00

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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