Livingston County property record for 520 McCarthy St, Howell, MI 48843
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,085 sqft · built 1900 |
| Lot Size | 0.2 acres (8,712 sqft) |
| Owner | Individual Name on File |
| Last Sale | $176,000 (Jan 2020) |
| Tax Bill | $2,987 (2025) |
| Deeds & Mortgages | Jun 2026 Mortgage Oct 2025 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 17-36-303-046 |
| Primary APN | 17-36-303-046 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 2 Stories |
| Building Area | 1,085 sqft Living Area |
| 1st Floor Area | 653 sqft |
| Basement Area | 653 sqft |
| Unfinished Basement | 653 sqft |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Exterior Material | Wood Siding |
| Roof Type | Gable |
| Lot Area | 8,712 sqft (0.2 acres) |
| Lot Dimensions | 132 ft deep x 66 ft wide |
| Garage Area | 216 sqft |
| Porch | Porch |
| Porch Area | 202 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Street Address | 520 MCCARTHY ST |
|---|---|
| City | HOWELL |
| State | MI |
| Zip | 48843-2615 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-1 |
| Legal Description | SEC 36 T3N, R4E, HOWELL CITY, CRANE & BROOKS ADD. S 1/2 OF LOTS 258 & 259 |
| Legal Range | 04E |
| Legal Township | 03N |
| Legal Section | 36 |
| Legal Subdivision | CRANE & BROOKS |
| Legal Tract | 725100 |
| Legal Lot Number | 258-259 |
| Jurisdiction | LIVINGSTON MI |
| Township / Civil Division | HOWELL |
| Census Block Group | 3 |
| Census Block | 3022 |
| Census Tract | 725101 |
Source: Livingston County records · APN 17-36-303-046
Assessment roll updated August 17, 2026 · Last verified August 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 File |
|---|---|
| Mailing Address | 520 MCCARTHY ST, HOWELL, MI 48843-2615 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 30, 2026 | Deed of Trust, Mortgage · VA Mortgage MORTGAGE MORTGAGE |
| Oct 01, 2025 | Deed of Trust, Mortgage · VA Mortgage THE FEDERAL SAVINGS BANK |
| Aug 31, 2022 | Deed of Trust, Mortgage · VA Mortgage DEPARTMENT OF VETERANS AFFAIRS |
| Jan 23, 2020 | Warranty Deed, Transfer · VA Mortgage HIGHLANDS RESID'L MTG |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Jan 23, 2020 · Amount on Record |
| Deed Sale | Jan 23, 2020 · Amount on Record |
| Prior Sale | Oct 11, 2016 · Amount on Record |
| Deed Document Number | 2020202020R-002329 |
| Prior Transfer Date | Oct 18, 2001 |
| Prior Transfer Doc | 0031560864 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LIVINGSTON MI |
| Recording Date | Jun 30, 2026 |
| Property Address | 520 MCCARTHY ST, HOWELL, MI 48843-2615 |
| Document Number | 0000013872 |
| Instrument Date | Jun 22, 2026 |
| Instrument | 202613872 |
| Transaction Type | Mortgage |
| Record Updated | Jul 10, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 520 MCCARTHY ST, HOWELL, MI 48843-2615 |
| Document Number | 0000013872, |
|---|---|
| Date | Jun 30, 2026 |
| Instrument | 202613872 |
| Name | MORTGAGE MORTGAGE |
|---|
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 01, 2056 |
| Rate | 6.51% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LIVINGSTON MI |
| Property Address | 520 MCCARTHY ST, HOWELL, MI 48843-2615 |
| Transaction Type | Mortgage |
| Record Updated | Oct 13, 2025 |
| Name | Verified Name |
|---|---|
| Address | 520 MCCARTHY ST, HOWELL, MI 48843-2615 |
| Document Number | 0000019613 |
|---|---|
| Date | Oct 01, 2025 |
| Instrument | 2025R-019613 |
| Name | THE FEDERAL SAVINGS BANK |
|---|---|
| Type | Bank |
| Address | 4120 W DIVERSEY AVE STE C501, CHICAGO, IL 60639 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 01, 2055 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LIVINGSTON MI |
| Property Address | 520 MCCARTHY ST, HOWELL, MI 48843-2615 |
| Transaction Type | Mortgage |
| Record Updated | Sep 20, 2022 |
| Name | Verified Name |
|---|---|
| Address | 520 MCCARTHY ST, HOWELL, MI 48843-2615 |
| Document Number | 0000023707 |
|---|---|
| Date | Aug 31, 2022 |
| Instrument | 2022R-023707 |
| Name | DEPARTMENT OF VETERANS AFFAIRS |
|---|---|
| Type | Government Agency |
| Address | NASHVILLE, TN 37203 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 357 Months |
| Due | May 01, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LIVINGSTON MI |
| Recording Date | Jan 23, 2020 |
| Property Address | 520 MCCARTHY ST, HOWELL, MI 48843-2615 |
| Document Number | 0000002329 |
| Instrument Date | Jan 17, 2020 |
| Instrument | 2329 |
| Transaction Type | Transfer |
| Record Updated | Feb 10, 2020 |
| Title Company | LIBERTY TITLE |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,514.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 15850 WINSTON REDFORD MI 482393641, REDFORD, MI 48239-3641 |
| Document Number | 2330 |
|---|---|
| Date | Jan 23, 2020 |
| Instrument | 2330 |
| Name | HIGHLANDS RESID'L MTG |
|---|---|
| Type | Mortgage Company |
| Address | DALLAS, TX 75243 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 22, 2050 |
Source: Livingston County records · Assessment roll updated August 17, 2026 · Last verified August 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Livingston County |
| Municipality | Howell City |
| Unified School District | Howell Public Schools (KG - 12) |
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.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $105,900 (+8.17%) | $211,800 (+8.17%) | |
| 2025 | $2,987.00 Homeowner's exemption | $97,900 (+14.1%) | $195,800 (+14.1%) |
| 2023 | $85,800 | ||
| 2021 | $171,600 |
Source: FEMA National Flood Hazard Layer as of September 17, 2008 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| 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 are read at the parcel center point; lenders make the official flood determination.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| KEPS Technologies Fiber | 10,000 / 10,000 |
| Surf Air Wireless Fiber | 8,000 / 8,000 |
| Xfinity Cable | 2,000 / 250 |
| AT&T DSL · Fiber in parts of the area | 100 / 20 |
May also be available: Verizon.
Based on FCC filings for 312 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | CITY OF HOWELL serves 9,914 people |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Aug 2023 |
| Lead | Under 1 ppb (2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 1 last 3 years |
Results are for the whole water system as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.
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