428 Umberland Dr, Howell, MI 48843 Property Records

Livingston County property record for 428 Umberland Dr, Howell, MI 48843

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,298 sqft · built 1993
Lot Size	0.269 acres (11,718 sqft)
Owner	2 Individual Names on File
Last Sale	$355,000 (Sep 2022)
Tax Bill	$5,341 (2025)
Deeds & Mortgages	Sep 2022 Mortgage Sep 2022 Sale + 2 more
Flood Zone	Zone X (minimal risk)
APN	`17-35-101-026`

Property Details

APN / Parcel Number

Primary APN	`17-35-101-026`
Alternative APN	`471735101026`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,298 sqft Living Area
1st Floor Area	1,271 sqft
Basement Area	1,256 sqft
Finished Basement	920 sqft

Exterior

Year Built	Built 1993
Effective Year Built	Effective 1993
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Lot Area	11,718 sqft (0.269 acres)
Lot Dimensions	152 ft deep x 71 ft wide
Garage Area	513 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	40 sqft
Patio Area	324 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	428 UMBERLAND DR
City	HOWELL
State	MI
Zip	48843-2067
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-2
Legal Description	SEC 35 T3N R4E CITY OF HOWELL HEATHER HEATH ESTATES LOT 26
Legal Range	04E
Legal Township	03N
Legal Section	35
Legal Subdivision	HEATHER HEATH ESTATES
Legal Tract	725100
Legal Lot Number	26
Jurisdiction	LIVINGSTON MI
Township / Civil Division	HOWELL
Census Block Group	1
Census Block	1002
Census Tract	725101

Owner

428 Umberland Dr is owned and occupied by two individuals who bought it in September 2022.

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

Owner of Record	2 Individual Names on File
Mailing Address	428 UMBERLAND DR, HOWELL, MI 48843-2067
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
Sep 15, 2022	Intrafamily Transfer, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Sep 9, 2022	Warranty Deed, Transfer AMROCK INC, AMROCK LLC
May 11, 2021	Deed of Trust, Mortgage · Conventional Mortgage DFCU FINANCIAL
Nov 2, 2018	Warranty Deed, Transfer · Conventional with PMI LAKE MI CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 9, 2022 · Amount on File
Deed Sale	Sep 9, 2022 · Amount on File
Prior Sale	Sep 6, 2001 · Amount on File
Deed Document Number	202224358
Prior Transfer Date	Sep 1, 2022
Prior Transfer Doc	0000024879
Record Updated	Sep 20, 2026

September 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	LIVINGSTON MI
Recording Date	Sep 15, 2022
Property Address	428 UMBERLAND DR, HOWELL, MI 48843-2067
Document Number	0000024879
Map Reference	LB 30 PG 26-29
Instrument Date	Sep 1, 2022
Instrument	2022R-024879
Transaction Type	Transfer
Record Updated	Sep 29, 2022
Title Company	FIDELITY NATIONAL TITLE

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	428 UMBERLAND DR, 428, HOWELL, MI 48843-2067

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	428 UMBERLAND DR, HOWELL, MI 48843-2067

Mortgage

Document Number	0000024878
Date	Sep 15, 2022
Instrument	2022R-024878

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2052

September 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LIVINGSTON MI
Recording Date	Sep 9, 2022
Property Address	428 UMBERLAND DR, HOWELL, MI 48843-2067
Document Number	0000024358
Map Reference	LB 30 PG 26
Instrument Date	Aug 31, 2022
Instrument	2022R-024358
Transaction Type	Transfer
Record Updated	Sep 26, 2022
Title Company	AMROCK INC, AMROCK LLC

Transaction

Amount	Amount on Record
Tax	$2,662.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	428 UMBERLAND DR, 428, HOWELL, MI 48843-2067

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	428 UMBERLAND DR, HOWELL, MI 48843-2067

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LIVINGSTON MI
Property Address	428 UMBERLAND DR, HOWELL, MI 48843-2067
Transaction Type	Mortgage
Record Updated	May 25, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	428 UMBERLAND DR, HOWELL, MI 48843-2067

Mortgage

Document Number	2021R021022
Date	May 11, 2021
Instrument	2021R-021022

Lender

Name	DFCU FINANCIAL
Type	Credit Union
Address	DEARBORN, MI 48126

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	3.12%
Type Change Date	May 1, 2026
Change Frequency	Annually
Min Rate At Change	3%
Max Rate At Change	5.12%
Index	1-Year LIBOR
Margin	3
Max Rate	8.12%

November 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LIVINGSTON MI
Recording Date	Nov 2, 2018
Property Address	428 UMBERLAND DR, HOWELL, MI 48843-2067
Document Number	0000029669
Instrument Date	Oct 31, 2018
Instrument	29669
Transaction Type	Transfer
Record Updated	Nov 20, 2018
Title Company	BARRISTERS SETTLEMENT AND TITLE, BARRISTERS SETTLEMENT & TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,021.00
Amount Accuracy	Confirmed

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4537 THISTLEDOWN PL OKEMOS MI 488642341, OKEMOS, MI 48864-2341

Mortgage

Document Number	29670
Date	Nov 2, 2018
Instrument	29670

Lender

Name	LAKE MI CU
Type	Credit Union
Address	GRAND RAPIDS, MI 49501

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	4.36%

Tax Assessment & Valuation

The 2025 property tax bill for 428 Umberland Dr was $5,341 with a homeowner's exemption.

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		$162,900	$325,800
2025	$5,341.00
2023		$126,700
2021			$253,400

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

FEMA maps place 428 Umberland Dr in Zone X, an area of minimal flood risk.

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	1 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

Wildfire risk around 428 Umberland Dr 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.

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 219 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 DSL	100 / 20

May also be available: ACD.net, T-Mobile.

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