Oceana County property record for 438 6th St, Pentwater, MI 49449
| Property Type | Single Family Home |
|---|---|
| Lot Size | 1.02 acres (44,611 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $4,092 (2025) |
| Deeds & Mortgages | Apr 2024 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 044-711-004-00 |
| Primary APN | 044-711-004-00 |
|---|
| Lot Area | 44,611 sqft (1.02 acres) |
|---|
| Street Address | 438 6TH ST |
|---|---|
| City | PENTWATER |
| State | MI |
| Zip | 49449-8905 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 438 E 6TH ST WD907206 QC-L2007P3623 VILLAGE OF PENTWATER - BLK 41 LOTS 4-6-7-8-5 |
| Legal Subdivision | VILLAGE OF PENTWATER |
| Legal Block | 41 |
| Legal Lot Number | 4-6 |
| Jurisdiction | OCEANA MI |
| Township / Civil Division | PENTWATER |
| Census Block Group | 1 |
| Census Block | 1111 |
| Census Tract | 10800 |
438 6th St is owned and occupied by an individual.
Source: Oceana County records, as of October 13, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | PO BOX 117, PENTWATER, MI 49449-0117 |
| 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.
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OCEANA MI |
| Property Address | 438 6TH ST, PENTWATER, MI 49449-8905 |
| Transaction Type | Mortgage |
| Record Updated | May 16, 2024 |
| Name | Verified Name |
|---|---|
| Address | 438 6TH ST, PENTWATER, MI 49449-8905 |
| Document Number | 02024/5511 |
|---|---|
| Date | Apr 4, 2024 |
| Book Page | 2024/5511 |
| Instrument | 202400001694 |
| Name | THE HUNTINGTON NATIONAL BANK |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43231 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 359 Months |
| Due | Mar 25, 2054 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
The 2025 property tax bill for 438 6th St was $4,092 with a homeowner's exemption.
Source: Oceana County assessment roll, as of October 13, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Oceana County |
| County Subdivision | Pentwater Township |
| Municipality | Pentwater Village |
| Unified School District | Pentwater Public School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $253,400 (-1.17%) Land $253,400 | $506,800 (-1.17%) Land $506,800 | |
| 2025 | $4,092.00 Homeowner's exemption | $256,400 Land $256,400 | $512,800 Land $512,800 |
| 2023 | $202,100 Land $202,100 | $404,200 (-) Land $404,200 | |
| 2022 | $3,481.00 | $404,200 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 438 6th St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
Source: FEMA National Flood Hazard Layer, effective August 23, 2021 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 11 individual policies |
| Nearby Flood Policies | 28 units insured incl. 17 condo units |
| Nearby Flood Claims | 7 (1997–2019) |
| Claims Outside the SFHA | 2 of 7 |
| Most Recent Claim | Nov 2019 · other causes |
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 risk around 438 6th St 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 | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | PENTWATER serves 857 people · EPA ID MI0005260 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Aug 2025 |
| Lead | 5 ppb (2022–2024) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 3 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.
Source: FCC Broadband Data Collection, based on 377 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Frontier Fiber | 7,000 / 7,000 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
May also be available: AT&T.
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