Oceana County property record for 523 3rd Ave, Pentwater, MI 49449
| Property Type | Single Family Home |
|---|---|
| Lot Size | 1.28 acres (56,009 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $1,220 (2025) |
| Deeds & Mortgages | Oct 2017 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 044-135-002-00 |
| Primary APN | 044-135-002-00 |
|---|
| Lot Area | 56,009 sqft (1.28 acres) |
|---|
| Street Address | 523 3RD AVE |
|---|---|
| City | PENTWATER |
| State | MI |
| Zip | 49449-9532 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 523 N THIRD AVE VP-39A QC785691 QC750103 BLK 5 - COBBS ADDITION TO VILLAGE OF PENTWATER N 1/2 LOT 2 & ENTIRE LOT 3 |
| Legal Subdivision | COBBS ADDITION |
| Legal Block | 5 |
| Legal Lot Number | 2-3 |
| Jurisdiction | OCEANA MI |
| Township / Civil Division | PENTWATER |
| Census Block Group | 1 |
| Census Block | 1020 |
| Census Tract | 10800 |
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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 523 3RD AVE, PENTWATER, MI 49449-9532 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OCEANA MI |
| Property Address | 523 3RD AVE, PENTWATER, MI 49449-9532 |
| Transaction Type | Mortgage |
| Record Updated | Nov 16, 2017 |
| Name | Verified Name |
|---|
| Document Number | , 201700006162 |
|---|---|
| Date | Oct 17, 2017 |
| Book Page | 2017/020285 |
| Instrument | 201700006162 |
| Name | THE HUNTINGTON NATIONAL BANK |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43231 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Sep 22, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
Source: Oceana County assessment roll, as of October 13, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Oceana County |
| County Subdivision | Pentwater Township |
| Municipality | Pentwater Village |
| Unified School District | Pentwater Public School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $140,800 (-1.26%) Land $140,800 | $281,600 (-1.26%) Land $281,600 | |
| 2025 | $1,220.00 (+11.11%) Homeowner's exemption | $142,600 (+27.32%) Land $142,600 | $285,200 (+27.32%) Land $285,200 |
| 2023 | $112,000 Land $112,000 | $224,000 (-) Land $224,000 | |
| 2022 | $1,098.00 | $224,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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.
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 |
| 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.
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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