4157 Pepper Tree Ln, Howell, MI 48843 Property Records

Livingston County property record for 4157 Pepper Tree Ln, Howell, MI 48843

Property Summary

Property Type	Condominium
Details	3 bd · 2 ba · 1,500 sqft · built 2012
Lot Size	0.14 acres (6,098 sqft)
Owner	2 Individual Names on Record
Last Sale	$385,000 (Oct 2025)
Tax Bill	$3,305 (2025)
Deeds & Mortgages	Oct 2025 Sale & Mortgage Apr 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`07-28-103-104`

Property Details

APN / Parcel Number

Primary APN	`07-28-103-104`
Alternative APN	`470728103104`

Interior

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

Exterior

Year Built	Built 2012
Effective Year Built	Effective 2012
Architectural Style	Condo/Apartment
Lot Area	6,098 sqft (0.14 acres)
Lot Dimensions	40 ft deep x 51 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	4157 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 #104 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	104
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	2122 ARGENTINE RD, HOWELL, MI 48855-9736
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Oct 7, 2025	Warranty Deed, Transfer · Conventional Mortgage GENISYS CU
Apr 15, 2020	Deed of Trust, Mortgage · Conventional with PMI JP MORGAN CHASE BK
Mar 4, 2019	Warranty Deed, Transfer · Stand-Alone Refinance JPMORGAN CHASE BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 7, 2025 · Amount on Record
Deed Sale	Oct 7, 2025 · Amount on Record
Prior Sale	Mar 4, 2019 · Amount on Record
Deed Document Number	202520035
Record Updated	Sep 20, 2026

October 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LIVINGSTON MI
Recording Date	Oct 7, 2025
Property Address	4157 PEPPER TREE LN, HOWELL, MI 48843-8211
Document Number	0000020035
Instrument Date	Sep 29, 2025
Instrument	2025R-020035
Transaction Type	Transfer
Record Updated	Oct 23, 2025
Title Company	TITLE SENSE INC, TITLE ONE INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,887.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4157 PEPPER TREE LN # 104, 104, HOWELL, MI 48843-8211

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2122 ARGENTINE RD, HOWELL, MI 48855-9736

Mortgage

Document Number	0000020036
Date	Oct 7, 2025
Instrument	2025R-020036

Lender

Name	GENISYS CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2055

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LIVINGSTON MI
Property Address	4157 PEPPER TREE LN, HOWELL, MI 48843-8211
Document Number	0000012348
Instrument Date	Apr 15, 2020
Transaction Type	Mortgage
Record Updated	Jun 15, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4157 PEPPER TREE LN HOWELL MI 488438211, HOWELL, MI 48843-8211

Mortgage

Document Number	0000012348
Date	Apr 21, 2020
Instrument	12348

Lender

Name	JP MORGAN CHASE BK
Type	Bank
Address	COLUMBUS, OH 43240-2050

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Apr 20, 2050

March 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LIVINGSTON MI
Recording Date	Mar 4, 2019
Property Address	4157 PEPPER TREE LN, HOWELL, MI 48843-8211
Document Number	0000004893
Instrument Date	Feb 20, 2019
Instrument	2019R-004893
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	619 LYON BLVD, SOUTH LYON, MI 48178-2043

Mortgage

Document Number	0000004894
Date	Mar 4, 2019
Instrument	2019R-004894

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2049

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		$170,700 (+2.15%)	$341,400 (+2.15%)
2025	$3,305.00 (+2.93%) Homeowner's exemption	$167,100 (+19.36%)	$334,200 (+19.36%)
2024	$3,211.00 (+46.35%)
2023		$140,000
2021			$280,000
2019	$2,194.00

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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