Kent County property record for 516 Howard St, Lowell, MI 49331
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,520 sqft · built 1956 |
| Lot Size | 0.4 acres (17,424 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $135,000 (Aug 2013) |
| Tax Bill | $3,703 (2025) |
| Deeds & Mortgages | Dec 2025 Second Mortgage Feb 2023 Line of Credit + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 41-20-02-328-008 |
| Primary APN | 41-20-02-328-008 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,520 sqft Living Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1956 |
|---|---|
| Effective Year Built | Effective 1956 |
| Lot Area | 17,424 sqft (0.4 acres) |
| Lot Dimensions | 132 ft deep x 66 ft wide |
| Parking Spaces | 1 Parking Space |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 516 HOWARD ST |
|---|---|
| City | LOWELL |
| State | MI |
| Zip | 49331-1323 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R2 |
| Legal Description | LOTS 5 & 6 BLK 25 * RICHARDS & WICKHAM'S PLAT |
| Legal Subdivision | RICHARDS & WICKHAM'S PLAT |
| Legal Block | 25 |
| Legal Lot Number | 5-6 |
| Jurisdiction | KENT MI |
| Township / Civil Division | LOWELL |
| Census Block Group | 2 |
| Census Block | 2023 |
| Census Tract | 12004 |
516 Howard St is owned and occupied by two individuals who bought it in August 2013.
Source: Kent County records, as of September 24, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 516 HOWARD ST, LOWELL, MI 49331-1323 |
| 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.
| Date | Document |
|---|---|
| Dec 22, 2025 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage ROCKET MORTGAGE LLC |
| Feb 1, 2023 | Deed of Trust, Mortgage · Line of Credit UNITED BANK OF MICHIGAN |
| Sep 19, 2022 | Deed of Trust, Mortgage · Commercial Mortgage UNITED BANK OF MICHIGAN |
| Jul 23, 2020 | Deed of Trust, Mortgage · Conventional Mortgage TOP FLITE FINANCIAL INC |
| Apr 21, 2017 | Deed of Trust, Mortgage · Line of Credit UNITED BK/MI |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 29, 2013 · Amount on File |
| Deed Sale | Aug 29, 2013 · Amount on File |
| Deed Document Number | 201390165 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENT MI |
| Property Address | 516 HOWARD ST, LOWELL, MI 49331-1323 |
| Transaction Type | Mortgage |
| Record Updated | Jan 7, 2026 |
| Name | Verified Name |
|---|---|
| Address | 516 HOWARD ST, LOWELL, MI 49331-1323 |
| Document Number | 0000083129 |
|---|---|
| Date | Dec 22, 2025 |
| Instrument | 20251222-0083129 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 241 Months |
| Due | Jan 1, 2046 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENT MI |
| Property Address | 516 HOWARD ST, LOWELL, MI 49331-1323 |
| Transaction Type | Mortgage |
| Record Updated | Feb 24, 2023 |
| Name | Verified Name |
|---|---|
| Address | 516 HOWARD ST, LOWELL, MI 49331-1323 |
| Document Number | 0000005810 |
|---|---|
| Date | Feb 1, 2023 |
| Instrument | 20230201-0005810 |
| Name | UNITED BANK OF MICHIGAN |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 119 Months |
| Due | Jan 20, 2033 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENT MI |
| Property Address | 516 HOWARD ST, LOWELL, MI 49331-1323 |
| Transaction Type | Mortgage |
| Record Updated | Oct 21, 2022 |
| Name | Verified Name |
|---|---|
| Address | 516 HOWARD ST, LOWELL, MI 49331-1323 |
| Document Number | 0000072993 |
|---|---|
| Date | Sep 19, 2022 |
| Instrument | 20220919-0072993 |
| Name | UNITED BANK OF MICHIGAN |
|---|---|
| Type | Bank |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Sep 1, 2032 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENT MI |
| Property Address | 516 HOWARD ST, LOWELL, MI 49331-1323 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000064712 |
|---|---|
| Date | Jul 23, 2020 |
| Instrument | 20200723-0064712 |
| Name | TOP FLITE FINANCIAL INC |
|---|---|
| Type | Mortgage Company |
| Address | WILLIAMSTON, MI 48895 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Aug 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENT MI |
| Property Address | 516 HOWARD ST, LOWELL, MI 49331-1323 |
| Document Number | 0000038494 |
| Instrument Date | Apr 21, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Jul 14, 2017 |
| Name | Verified Name |
|---|---|
| Relationship | Married Couple |
| Address | 516 HOWARD ST LOWELL MI 493311323, LOWELL, MI 49331-1323 |
| Document Number | 0000038494 |
|---|---|
| Date | May 4, 2017 |
| Instrument | 38494 |
| Name | UNITED BK/MI |
|---|---|
| Type | Bank |
| Address | GRAND RAPIDS, MI 49546 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|
The 2025 property tax bill for 516 Howard St was $3,703.
Source: Kent County assessment roll, as of September 18, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Kent County |
| Municipality | Lowell City |
| Unified School District | Lowell Area Schools (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $173,100 (+0.17%) | $346,200 (+0.17%) | |
| 2025 | $3,703.00 Homeowner's exemption | $172,800 | $345,600 |
| 2023 | $135,100 | $270,200 | |
| 2019 | $3,107.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 516 Howard St in Zone X, an area of minimal flood risk, though there have been 21 flood claims nearby since 1986.
Source: FEMA National Flood Hazard Layer, effective January 1, 2026 · 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 File median of 14 individual policies |
| Nearby Flood Policies | 21 units insured incl. 7 condo units |
| Nearby Flood Claims | 21 (1986–2018) |
| Most Recent Claim | Feb 2018 · rainfall accumulation |
| Claims by Event |
|
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 516 Howard 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 | None beyond ember reach |
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 | LOWELL serves 4,150 people · EPA ID MI0003950 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Feb 2026 |
| Lead | Under 1 ppb (2026) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None 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 208 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 2,000 |
| Point Broadband Fiber | 1,000 / 1,000 |
| AT&T Fiber | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
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