448 S Rush St, Pentwater, MI 49449 Property Records

Oceana County property record for 448 S Rush St, Pentwater, MI 49449

Property Summary

Property Type	Single Family Home
Lot Size	0.42 acres (18,299 sqft)
Owner	2 Individual Names on File
Last Sale	$146,430 (Jun 2022)
Tax Bill	$2,646 (2025)
Deeds & Mortgages	Oct 2023 Mortgage Nov 2022 Line of Credit + 3 more
Flood Zone	Zone A (high risk)
APN	`044-712-003-00`

Property Details

APN / Parcel Number

Primary APN	`044-712-003-00`

Exterior

Lot Area	18,299 sqft (0.42 acres)

Location & Zoning

Street Address	448 S RUSH ST
City	PENTWATER
State	MI
Zip	49449-8412
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOTS 3 & 4 - BLOCK 42 . VILLAGE OF PENTWATER 448 S RUSH ST MLC 2018/9616
Legal Subdivision	VILLAGE OF PENTWATER
Legal Block	42
Legal Lot Number	3-4
Jurisdiction	OCEANA MI
Township / Civil Division	PENTWATER
Census Block Group	1
Census Block	1079
Census Tract	10800

Owner

448 S Rush St is owned and occupied by two individuals who bought it in June 2022.

Source: Oceana County records, as of October 13, 2026

Owner of Record	2 Individual Names on File
Mailing Address	448 S RUSH ST, PENTWATER, MI 49449-8412
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
Oct 16, 2023	Deed of Trust, Mortgage · Commercial Mortgage WEST SHORE BANK
Nov 28, 2022	Warranty Deed, Transfer · Line of Credit WEST SHORE BANK
Jun 1, 2022	Warranty Deed, Transfer · ARM WEST SHORE BANK
Jun 1, 2018	Land Contract, Transfer
Apr 5, 2018	Warranty Deed, Transfer · Conventional Mortgage LAKE MICHIGAN CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 1, 2022 · Amount on File
Deed Sale	Jun 1, 2022 · Amount on File
Prior Sale	Apr 5, 2018 · Amount on File
Record Updated	Oct 29, 2026

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OCEANA MI
Property Address	448 S RUSH ST, PENTWATER, MI 49449-8412
Transaction Type	Mortgage
Record Updated	Nov 13, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	448 S RUSH ST, PENTWATER, MI 49449-8412

Mortgage

Document Number	2023/18147
Date	Oct 16, 2023
Book Page	2023/18147
Instrument	202300005024

Lender

Name	WEST SHORE BANK
Type	Bank
Address	LUDINGTON, MI 49431

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

November 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OCEANA MI
Recording Date	Nov 28, 2022
Property Address	448 S RUSH ST, PENTWATER, MI 49449-8412
Document Number	2022/24295
Book / Page	2022 / 24295
Instrument Date	Nov 28, 2022
Instrument	202200006665
Transaction Type	Transfer
Record Updated	Dec 12, 2022
Title Company	NOT AVAILABLE, OCEANA LAND TITLE & ESCROW

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	954 CAMBRIDGE DR SE, 954, GRAND RAPIDS, MI 49506-3360

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4605 STILES CREEK DR NE, GRAND RAPIDS, MI 49525-9379

Mortgage

Document Number	202200006553
Date	Nov 28, 2022
Instrument	202200006553

Lender

Name	WEST SHORE BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OCEANA MI
Recording Date	Jun 1, 2022
Property Address	448 S RUSH ST, PENTWATER, MI 49449-8412
Document Number	2022/12311
Book / Page	2022 / 12311
Map Reference	LB 1 PG 26
Instrument Date	May 26, 2022
Instrument	202200003532
Transaction Type	Transfer
Record Updated	Aug 5, 2022
Title Company	ADVANCED LAND TITLE AGENCY INC, ADVANCED LAND TITLE AGENCY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,098.75
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	15216 RANNES ST, 15216, SPRING LAKE, MI 49456-2237

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	448 S RUSH ST, PENTWATER, MI 49449-8412

Mortgage

Document Number	202200003533
Date	Jun 1, 2022
Instrument	202200003533

Lender

Name	WEST SHORE BANK
Type	Bank

Agreement

Type	ARM
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	3.87%
Adjustable	Adjustable Rate Rider
Type Change Date	Jun 1, 2029
Change Frequency	Annually
Min Rate At Change	3.87%
Max Rate At Change	8.87%
Index	1-Year CMT
Max Rate	8.87%

June 2018: Land Contract, Transfer

Document Type	Land Contract
Jurisdiction	OCEANA MI
Recording Date	Jun 1, 2018
Property Address	448 S RUSH ST, PENTWATER, MI 49449-8412
Document Number	2018/009616
Book / Page	2018 / 009616
Map Reference	LB1 PG26
Instrument Date	May 29, 2018
Instrument	201800003243
Transaction Type	Transfer
Record Updated	May 11, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	15216 RANNES ST, 15216, SPRING LAKE, MI 49456-2237

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	448 S RUSH ST, PENTWATER, MI 49449-8412

April 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OCEANA MI
Recording Date	Apr 5, 2018
Property Address	448 S RUSH ST, PENTWATER, MI 49449-8412
Document Number	2018/006067
Book / Page	2018 / 006067
Map Reference	LB1 PG26
Instrument Date	Apr 3, 2018
Instrument	201800002136
Transaction Type	Transfer
Record Updated	May 11, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,204.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	519 W 11TH ST, 519, TRAVERSE CITY, MI 49684-3147

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15216 RANNES ST, SPRING LAKE, MI 49456-2237

Mortgage

Document Number	201800002137
Date	Apr 5, 2018
Instrument	201800002137

Lender

Name	LAKE MICHIGAN CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 448 S Rush St was $2,646 with a homeowner's exemption.

Source: Oceana County assessment roll, as of October 13, 2026

Property Jurisdictions

Type	Name
State	Michigan
County	Oceana County
County Subdivision	Pentwater Township
Municipality	Pentwater Village
Unified School District	Pentwater Public School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$161,500 (-3.35%) Land $161,500	$323,000 (-3.35%) Land $323,000
2025	$2,646.00 Homeowner's exemption	$167,100 Land $167,100	$334,200 Land $334,200
2023		$126,300 Land $126,300	$252,600 (-) Land $252,600
2022	$2,251.00		$252,600

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 448 S Rush St in Zone A, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective August 23, 2021 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone A high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Not determined for this zone
Flood Insurance Requirement	Required federally backed loans
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

Wildfire risk around 448 S Rush 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

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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