440 Gulley Rd, Howell, MI 48843 Property Records

Livingston County property record for 440 Gulley Rd, Howell, MI 48843

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,180 sqft · built 1998
Lot Size	1.15 acres (50,094 sqft)
Owner	Individual Name on File
Last Sale	$475,000 (Jan 2024)
Tax Bill	$5,670 (2025)
Deeds & Mortgages	Jan 2026 Line of Credit Jan 2024 Sale + 2 more
Flood Zone	Zone X (minimal risk)
APN	`07-33-400-030`

Property Details

APN / Parcel Number

Primary APN	`07-33-400-030`
Alternative APN	`470733400030`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,180 sqft Living Area
1st Floor Area	858 sqft
Basement Area	858 sqft
Unfinished Basement	858 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Exterior Material	Aluminum/Vinyl
Lot Area	50,094 sqft (1.15 acres)
Garage Area	462 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	440 GULLEY RD
City	HOWELL
State	MI
Zip	48843-9003
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AR
Legal Description	SEC 33 T3N R5E COM E 1/4 COR OF SEC S8933'10"W 2635.23 FT TH S0007'30"E 331.48 FT TO POB TH N89*49'15"E 188.70 FT TH
Legal Range	05E
Legal Township	03N
Legal Section	33
Legal Tract	712600
Jurisdiction	LIVINGSTON MI
Township / Civil Division	OCEOLA
Census Block Group	1
Census Block	1000
Census Tract	712602

Owner

440 Gulley Rd is owned and occupied by an individual who bought it in January 2024.

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

Owner of Record	Individual Name on File
Mailing Address	440 GULLEY RD, HOWELL, MI 48843-9003
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
Jan 29, 2026	Deed of Trust, Mortgage · Line of Credit LAKE TRUST CU
Jan 26, 2024	Warranty Deed, Transfer SELECT TITLE COMPANY
Aug 24, 2020	Deed of Trust, Mortgage · Conventional Mortgage MR COOPER
Mar 28, 2018	Deed of Trust, Mortgage · Conventional Mortgage MR COOPER

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 26, 2024 · Amount on File
Deed Sale	Jan 26, 2024 · Amount on File
Prior Sale	Mar 26, 2003 · Amount on File
Deed Document Number	20241378
Record Updated	Sep 20, 2026

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LIVINGSTON MI
Property Address	440 GULLEY RD, HOWELL, MI 48843-9003
Transaction Type	Mortgage
Record Updated	Feb 10, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	440 GULLEY RD, HOWELL, MI 48843-9003

Mortgage

Document Number	0000001928
Date	Jan 29, 2026
Instrument	2026R-001928

Lender

Name	LAKE TRUST CU
Type	Credit Union
Address	4605 S OLD US HIGHWAY 23, BRIGHTON, MI 48114

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Jan 28, 2046

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LIVINGSTON MI
Recording Date	Jan 26, 2024
Property Address	440 GULLEY RD, HOWELL, MI 48843-9003
Document Number	0000001378
Instrument Date	Jan 25, 2024
Instrument	2024R-001378
Transaction Type	Transfer
Record Updated	Feb 15, 2024
Title Company	SELECT TITLE COMPANY

Transaction

Amount	Amount on Record
Tax	$3,562.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	440 GULLEY RD, HOWELL, MI 48843-9003

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LIVINGSTON MI
Property Address	440 GULLEY RD, HOWELL, MI 48843-9003
Document Number	0000029676
Instrument Date	Aug 24, 2020
Transaction Type	Mortgage
Record Updated	Oct 2, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	440 GULLEY RD HOWELL MI 488439003, HOWELL, MI 48843-9003

Mortgage

Document Number	0000029676
Date	Sep 1, 2020
Instrument	29676

Lender

Name	MR COOPER
Address	DALLAS, TX 75019

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 31, 2050

March 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LIVINGSTON MI
Property Address	440 GULLEY RD, HOWELL, MI 48843-9003
Document Number	0000008423
Instrument Date	Mar 28, 2018
Transaction Type	Mortgage
Record Updated	Apr 18, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	440 GULLEY RD HOWELL MI 488439003, HOWELL, MI 48843-9003

Mortgage

Document Number	0000008423
Date	Apr 5, 2018
Instrument	8423

Lender

Name	MR COOPER
Address	DALLAS, TX 75019

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Apr 4, 2033

Tax Assessment & Valuation

The 2025 property tax bill for 440 Gulley Rd was $5,670 with a homeowner's exemption.

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		$246,100	$492,200
2025	$5,670.00
2023		$195,600
2021			$391,200
2019	$2,821.00

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

FEMA maps place 440 Gulley Rd in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2008.

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

Wildfire risk around 440 Gulley Rd 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 48 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35

May also be available: Surf Internet.

Cell Coverage

5G (outdoors only) and 4G LTE

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