522 E Concord St, Pentwater, MI 49449 Property Records

Oceana County property record for 522 E Concord St, Pentwater, MI 49449

Property Summary

Property Type	Single Family Home
Lot Size	0.2 acres (8,733 sqft)
Owner	2 Individual Names on File
Last Sale	$90,000 (Nov 1998)
Tax Bill	$2,032 (2025)
Deeds & Mortgages	Dec 2025 Transfer Oct 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`044-719-003-00`

Property Details

APN / Parcel Number

Primary APN	`044-719-003-00`

Exterior

Lot Area	8,733 sqft (0.2 acres)

Location & Zoning

Street Address	522 E CONCORD ST
City	PENTWATER
State	MI
Zip	49449-8508
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	522 E CONCORD ST - VILLAGE OF PENTWATER - LOT 3 BLOCK 49 WD-2014/14397
Legal Subdivision	VILLAGE OF PENTWATER
Legal Block	49
Legal Lot Number	3
Jurisdiction	OCEANA MI
Township / Civil Division	PENTWATER
Census Block Group	1
Census Block	1065
Census Tract	10800

Owner

522 E Concord St is owned and occupied by two individuals who acquired it in December 2025.

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

Owner of Record	2 Individual Names on File
Mailing Address	522 E CONCORD ST, PENTWATER, MI 49449-8508
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Life Estate

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Dec 16, 2025	Intrafamily Transfer, Transfer
Oct 18, 2017	Deed of Trust, Mortgage · Conventional Mortgage THE SHELBY STATE BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 24, 1998 · Amount on File
Deed Sale	Nov 24, 1998 · Amount on File
Deed Book / Page	982 / 5509
Last Transfer Date	Dec 15, 2025
Transfer Doc	0000006508
Record Updated	Oct 29, 2026

December 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OCEANA MI
Recording Date	Dec 16, 2025
Property Address	522 E CONCORD ST, PENTWATER, MI 49449-8508
Document Number	2025/25328
Book / Page	2025 / 25328
Instrument Date	Dec 15, 2025
Instrument	202500006508
Transaction Type	Transfer
Record Updated	Mar 25, 2026

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	522 E CONCORD ST, PENTWATER, MI 49449-8508

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	522 E CONCORD ST, PENTWATER, MI 49449-8508

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OCEANA MI
Property Address	522 E CONCORD ST, PENTWATER, MI 49449-8508
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2017/020331
Date	Oct 18, 2017
Book Page	2017/020331
Instrument	201700006171

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	241 Months
Due	Nov 1, 2037

Tax Assessment & Valuation

The 2025 property tax bill for 522 E Concord St was $2,032 with a homeowner's exemption.

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		$133,500 (-2.13%) Land $133,500	$267,000 (-2.13%) Land $267,000
2025	$2,032.00 Homeowner's exemption	$136,400 Land $136,400	$272,800 Land $272,800
2023		$104,300 Land $104,300	$208,600 (-) Land $208,600
2022	$1,729.00		$208,600

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

Flood

FEMA maps place 522 E Concord St in Zone X, an area of minimal flood risk, though there have been 7 flood claims nearby since 1997.

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 File 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

Wildfire risk around 522 E Concord 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	Indirect within ember reach
Adjoins Burnable Land	Yes

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	PENTWATER serves 857 people · EPA ID MI0005260
Water Source	Groundwater
Last State Inspection	Aug 2025
Lead	5 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	3 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.

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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