536 E Lake St, Pentwater, MI 49449 Property Records

Oceana County property record for 536 E Lake St, Pentwater, MI 49449

Property Summary

Property Type	Single Family Home
Lot Size	0.352 acres (15,359 sqft)
Owner	2 Trust Names on File
Tax Bill	$5,073 (2025)
Deeds & Mortgages	Feb 2021 Line of Credit May 2017 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`044-395-013-50`

Property Details

APN / Parcel Number

Primary APN	`044-395-013-50`

Exterior

Lot Area	15,359 sqft (0.352 acres)

Location & Zoning

Street Address	536 E LAKE ST
City	PENTWATER
State	MI
Zip	49449-9571
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	536 & 340 E LAKE ST QC-L2003P34709 QC-L2007P22868 QC-L2007P25045 ESMT-L2005P31801 ESMT-L2013P9827 RES-L2005P31797 SPL FR 013-
Legal Subdivision	MEARS ADDITION
Legal Block	5
Legal Lot Number	9-13
Jurisdiction	OCEANA MI
Township / Civil Division	PENTWATER
Census Block Group	1
Census Block	1109
Census Tract	10800

Owner

536 E Lake St is owner-occupied and held in a trust since October 2007.

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

Owner of Record	2 Trust Names on File
Mailing Address	536 E LAKE ST, PENTWATER, MI 49449-9571
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Family Trust

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
Feb 23, 2021	Deed of Trust, Mortgage · Line of Credit THE HUNTINGTON NATIONAL BANK
May 5, 2017	Deed of Trust, Mortgage · Line of Credit THE HUNTINGTON NATIONAL BANK
Dec 17, 2020	Deed of Trust, Mortgage · Stand-Alone First Mortgage THE HUNTINGTON NATIONAL BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Oct 22, 2007
Transfer Doc	2007/025045
Record Updated	Oct 29, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OCEANA MI
Property Address	536 E LAKE ST, PENTWATER, MI 49449-9571
Transaction Type	Mortgage
Record Updated	Mar 24, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2021/4645
Date	Feb 23, 2021
Book Page	2021/4645
Instrument	202100001152

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank
Address	COLUMBUS, OH 43231

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	359 Months
Due	Jan 21, 2051

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OCEANA MI
Property Address	536 E LAKE ST, PENTWATER, MI 49449-9571
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2017/008687
Date	May 5, 2017
Book Page	2017/008687
Instrument	201700002981

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank
Address	COLUMBUS, OH 43229

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	359 Months
Due	Apr 17, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OCEANA MI
Property Address	536 E LAKE ST, PENTWATER, MI 49449-9571
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2020/28285
Date	Dec 17, 2020
Book Page	2020/28285
Instrument	202000007310

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank
Address	COLUMBUS, OH 43219

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 536 E Lake St was $5,073 with a homeowner's exemption, up 6.6% from the year before.

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		$244,800 (-12.7%) Land $244,800	$489,600 (-12.7%) Land $489,600
2025	$5,073.00 (+6.6%) Homeowner's exemption	$280,400 Land $280,400	$560,800 Land $560,800
2024	$4,759.00
2023		$213,400 Land $213,400	$426,800 (-) Land $426,800
2022	$4,316.00		$426,800

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

Flood

FEMA maps place 536 E Lake St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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 536 E Lake St is low, with less than 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 94% of the US · lower than 87% of Michigan
Wildfire Likelihood	Under 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.

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

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: AT&T.

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