5190 Tower Rd, Pellston, MI 49769 Property Records

Emmet County property record for 5190 Tower Rd, Pellston, MI 49769

Property Summary

Property Type	Single Family Home
Lot Size	10.5 acres (458,251 sqft)
Owner	Individual Name on Record
Last Sale	$180,000 (Oct 2023)
Tax Bill	$3,492 (2024)
Deeds & Mortgages	Oct 2023 Sale & Mortgage Aug 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`09-14-04-300-034`

Property Details

APN / Parcel Number

Primary APN	`09-14-04-300-034`

Exterior

Lot Area	458,251 sqft (10.5 acres)

Location & Zoning

Street Address	5190 TOWER RD
City	PELLSTON
State	MI
Zip	49769-9240
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	EC FF-1
Legal Description	COM 934.97 FT E OF SW COR OF SEC FOR POB, TH N1?31'12"E 1380.1 FT TO S LN OF TOWER RD, TH S87?37'20"E ALG SD RD 319.18 FT
Legal Range	04W
Legal Township	36N
Legal Section	04
Jurisdiction	EMMET MI
Township / Civil Division	MAPLE RIVER
Census Block Group	2
Census Block	2081
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	Individual Name on Record
Mailing Address	3986 COSIER RD, EAST JORDAN, MI 49727-9149
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 30, 2023	Warranty Deed, Transfer · FHA Mortgage MERCANTILE BANK
Aug 5, 2021	Deed of Trust, Mortgage · Conventional Mortgage AWAKON FEDERAL CREDIT UNION

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 30, 2023 · Amount on Record
Deed Sale	Oct 30, 2023 · Amount on Record
Prior Sale	Oct 30, 2023 · Amount on Record
Deed Document Number	20235208757
Deed Book / Page	1255 / 767
Record Updated	Sep 20, 2026

October 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EMMET MI
Recording Date	Oct 30, 2023
Property Address	5190 TOWER RD, PELLSTON, MI 49769-9240
Document Number	001255/767
Book / Page	1255 / 767
Instrument Date	Oct 26, 2023
Transaction Type	Transfer
Record Updated	Nov 10, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$15.48
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3986 COSIER RD, EAST JORDAN, MI 49727-9149

Mortgage

Document Number	0005208758
Date	Oct 30, 2023
Instrument	5208758

Lender

Name	MERCANTILE BANK

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	351 Months
Due	Jan 1, 2053

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EMMET MI
Property Address	5190 TOWER RD, PELLSTON, MI 49769-9240
Transaction Type	Mortgage
Record Updated	Aug 30, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5190 TOWER RD, PELLSTON, MI 49769-9240

Mortgage

Document Number	0000001235/0000000826
Date	Aug 5, 2021
Book Page	0000001235/0000000826
Instrument	5188789

Lender

Name	AWAKON FEDERAL CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jan 1, 2036

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		$117,400 (+72.14%) Land $26,200 Building $91,200	$234,800 (+72.14%) Land $52,400 Building $182,400
2024	$3,492.00
2023		$68,200 Land $68,200	$136,400 Land $136,400

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

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

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

Cell Coverage

4G LTE (outdoors only), no 5G reported

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