415 Prospect St, Howell, MI 48843 Property Records

Livingston County property record for 415 Prospect St, Howell, MI 48843

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 912 sqft · built 1975
Lot Size	0.2 acres (8,712 sqft)
Owner	2 Individual Names on Record
Last Sale	$225,000 (Aug 2022)
Tax Bill	$3,537 (2025)
Deeds & Mortgages	Aug 2022 Sale & Mortgage Sep 2021 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`17-35-201-038`

Property Details

APN / Parcel Number

Primary APN	`17-35-201-038`
Alternative APN	`471735201038`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	912 sqft Living Area
1st Floor Area	912 sqft
Basement Area	912 sqft
Unfinished Basement	912 sqft

Exterior

Year Built	Built 1975
Effective Year Built	Effective 1975
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Lot Area	8,712 sqft (0.2 acres)
Lot Dimensions	132 ft deep x 66 ft wide
Porch	Porch
Porch Area	24 sqft
Patio Area	192 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	415 PROSPECT ST
City	HOWELL
State	MI
Zip	48843-1438
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	SEC. 35, T3N., R4E., CITY OF HOWELL, MCPHERSON'S PROSPECT PLACE ADD., LOT 73.
Legal Range	04E
Legal Township	03N
Legal Section	35
Legal Subdivision	MCPHERSONS PROSPECT PLACE ADD
Legal Tract	725000
Legal Lot Number	73
Jurisdiction	LIVINGSTON MI
Township / Civil Division	HOWELL
Census Block Group	4
Census Block	4005
Census Tract	725000

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	415 PROSPECT ST, HOWELL, MI 48843-1438
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 2, 2022	Warranty Deed, Transfer · USDA Mortgage DAS ACQUISITION
Sep 7, 2021	Deed of Trust, Mortgage · Line of Credit DFCU FINANCIAL
Sep 18, 2020	Warranty Deed, Transfer · Conventional with PMI COMMUNITY FIN'L CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 2, 2022 · Amount on Record
Deed Sale	Aug 2, 2022 · Amount on Record
Prior Sale	Sep 18, 2020 · Amount on Record
Deed Document Number	202221049
Record Updated	Sep 20, 2026

August 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LIVINGSTON MI
Recording Date	Aug 2, 2022
Property Address	415 PROSPECT ST, HOWELL, MI 48843-1438
Document Number	0000021049
Map Reference	LB 1 PG 2
Instrument Date	Jul 22, 2022
Instrument	2022R-021049
Transaction Type	Transfer
Record Updated	Aug 15, 2022

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,687.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	415 PROSPECT ST, 415, HOWELL, MI 48843-1438

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	415 PROSPECT ST, HOWELL, MI 48843-1438

Mortgage

Document Number	0000021050
Date	Aug 2, 2022
Instrument	202R-2021050

Lender

Name	DAS ACQUISITION
Type	Mortgage Company

Agreement

Type	USDA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2052

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LIVINGSTON MI
Property Address	415 PROSPECT ST, HOWELL, MI 48843-1438
Transaction Type	Mortgage
Record Updated	Oct 5, 2021
Title Company	DFCU TITLE AGENCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	415 PROSPECT ST, HOWELL, MI 48843-1438

Mortgage

Document Number	2021R036740
Date	Sep 7, 2021
Instrument	2021R-036740

Lender

Name	DFCU FINANCIAL
Type	Credit Union
Address	DEARBORN, MI 48126

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Sep 6, 2051

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LIVINGSTON MI
Recording Date	Sep 18, 2020
Property Address	415 PROSPECT ST, HOWELL, MI 48843-1438
Document Number	0000032326
Instrument Date	Sep 16, 2020
Instrument	32326
Transaction Type	Transfer
Record Updated	Oct 6, 2020
Title Company	LIBERTY TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,333.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5325 VAN ORDEN RD WEBBERVILLE MI 488929736, WEBBERVILLE, MI 48892-9736

Mortgage

Document Number	32327
Date	Sep 18, 2020
Instrument	32327

Lender

Name	COMMUNITY FIN'L CU
Type	Credit Union
Address	PLYMOUTH, MI 48170

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Sep 17, 2050

Tax Assessment & Valuation

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		$106,200 (+23.78%)	$212,400 (+23.78%)
2025	$3,537.00
2023		$85,800
2021			$171,600

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 Policies	2 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

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

Wildfire Risk	Low lower than 96% of the US · lower than 91% 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 277 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Surf Internet Fiber	8,000 / 8,000
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless · DSL	100 / 20

May also be available: ACD.net.

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