480 E Hanover St, Pentwater, MI 49449 Property Records

Oceana County property record for 480 E Hanover St, Pentwater, MI 49449

Property Summary

Property Type	Single Family Home
Lot Size	0.358 acres (15,615 sqft)
Owner	Company Name on Record
Tax Bill	$1,963 (2025)
Deeds & Mortgages	Oct 2020 Line of Credit Oct 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`044-136-010-00`

Property Details

APN / Parcel Number

Primary APN	`044-136-010-00`

Exterior

Lot Area	15,615 sqft (0.358 acres)

Location & Zoning

Street Address	480 E HANOVER ST
City	PENTWATER
State	MI
Zip	49449-9426
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	480 E HANOVER ST MLC851185 WD881291 QC-L2011P15260 PT FR 001-00 IN 82 PT TO 010-60 IN 04/VILL RES BLK 6 - COBBS ADDITION TO V
Legal Subdivision	COBBS ADDITION
Legal Block	6
Legal Lot Number	1-10
Jurisdiction	OCEANA MI
Township / Civil Division	PENTWATER
Census Block Group	1
Census Block	1021
Census Tract	10800

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on Record
Mailing Address	480 E HANOVER ST, PENTWATER, MI 49449-9426
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Oct 22, 2020	Deed of Trust, Mortgage · Line of Credit THE SHELBY STATE BANK
Oct 15, 2020	Deed of Trust, Mortgage · Conventional Mortgage THE SHELBY STATE BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Aug 24, 2011
Transfer Doc	2011/015260
Record Updated	Oct 29, 2026

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OCEANA MI
Property Address	480 E HANOVER ST, PENTWATER, MI 49449-9426
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2020/23080
Date	Oct 22, 2020
Book Page	2020/23080
Instrument	202000006066

Lender

Name	THE SHELBY STATE BANK
Type	Bank
Address	SHELBY, MI 49455

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OCEANA MI
Property Address	480 E HANOVER ST, PENTWATER, MI 49449-9426
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2020/22286
Date	Oct 15, 2020
Book Page	2020/22286
Instrument	202000005896

Lender

Name	THE SHELBY STATE BANK
Type	Bank
Address	SHELBY, MI 49455

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2050

Tax Assessment & Valuation

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		$207,900 (-4.5%) Land $207,900	$415,800 (-4.5%) Land $415,800
2025	$1,963.00 (+6.57%) Homeowner's exemption	$217,700 (+36.4%) Land $217,700	$435,400 (+36.4%) Land $435,400
2024	$1,842.00 (+10.3%)
2023		$159,600 Land $159,600	$319,200 (-) Land $319,200
2022	$1,670.00		$319,200

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 August 23, 2021 · 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
Flood Insurance Cost	Premium on Record 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

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 138 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: Frontier.

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