4605 Tower Rd, Pellston, MI 49769 Property Records

Emmet County property record for 4605 Tower Rd, Pellston, MI 49769

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,988 sqft · built 1920
Lot Size	36.1 acres (1,576,198 sqft)
Owner	2 Individual Names on Record
Last Sale	$57,500 (Sep 1981)
Tax Bill	$1,194 (2024)
Deeds & Mortgages	Nov 2025 Mortgage Nov 2025 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`09-14-05-400-001`

Property Details

APN / Parcel Number

Primary APN	`09-14-05-400-001`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,988 sqft Living Area
1st Floor Area	1,988 sqft
Basement Area	764 sqft

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Architectural Style	Ranch
Fire Resistance	Fireproof Steel Frame
Lot Area	1,576,198 sqft (36.1 acres)
Garage Area	912 sqft
Patio Area	720 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	4605 TOWER RD
City	PELLSTON
State	MI
Zip	49769-9331
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	EC FF-2
Legal Description	W 1/2 OF SE 1/4 OF SECTION 5, EXC THAT PT LYING S OF TOWER RD, SECTION 5, T36N, R4W
Legal Range	04W
Legal Township	36N
Legal Section	05
Jurisdiction	EMMET MI
Township / Civil Division	MAPLE RIVER
Census Block Group	2
Census Block	2068
Census Tract	970201

Owner

Source: Emmet County records, as of July 21, 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	4605 TOWER RD, PELLSTON, MI 49769-9331
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 7, 2025	Deed of Trust, Mortgage · Conventional Mortgage ST FRANCIS X FEDERAL CREDIT UNION
Nov 7, 2025	Deed of Trust, Mortgage · Conventional Mortgage ST FRANCIS X FEDERAL CREDIT UNION
Jan 30, 2017	Deed of Trust, Mortgage ST FRANCIS X FEDERAL CREDIT UNION

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 1, 1981 · Amount on Record
Deed Sale	Sep 1, 1981 · Amount on Record
Record Updated	Sep 20, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EMMET MI
Property Address	4605 TOWER RD, PELLSTON, MI 49769-9331
Transaction Type	Mortgage
Record Updated	Nov 24, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4605 TOWER RD, PELLSTON, MI 49769-9331

Mortgage

Document Number	0000001271/0000000158
Date	Nov 7, 2025
Book Page	0000001271/0000000158
Instrument	5224194

Lender

Name	ST FRANCIS X FEDERAL CREDIT UNION

Agreement

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

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EMMET MI
Property Address	4605 TOWER RD, PELLSTON, MI 49769-9331
Transaction Type	Mortgage
Record Updated	Nov 17, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4605 TOWER RD, PELLSTON, MI 49769-9331

Mortgage

Document Number	0000001271/0000000158
Date	Nov 7, 2025
Book Page	0000001271/0000000158
Instrument	5224194

Lender

Name	ST FRANCIS X FEDERAL CREDIT UNION

Agreement

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

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EMMET MI
Property Address	4605 TOWER RD, PELLSTON, MI 49769-9331
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1191/0812
Date	Jan 30, 2017
Book Page	1191/0812
Instrument	5144691

Lender

Name	ST FRANCIS X FEDERAL CREDIT UNION
Address	PETOSKEY, MI 49770

Agreement

Amount	Amount Recorded
Term	121 Months
Due	Feb 3, 2027

Tax Assessment & Valuation

Source: Emmet County assessment roll, as of July 21, 2026

Property Jurisdictions

Type	Name
State	Michigan
County	Emmet County
County Subdivision	Maple River Township
Unified School District	Pellston Public Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$158,000 (+65.27%) Building $158,000	$316,000 (+65.27%) Building $316,000
2024	$1,194.00
2023		$95,600 Building $95,600	$191,200 Building $191,200

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

Flood

Source: FEMA National Flood Hazard Layer, effective May 31, 2022

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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	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 8 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Truestream Fiber	1,000 / 1,000

Cell Coverage

No cell data coverage reported

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