Oceana County property record for 5365 Madison St, Pentwater, MI 49449
| Property Type | Single Family Home |
|---|---|
| Lot Size | 20 acres (871,200 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $610,620 (May 2026) |
| Tax Bill | $3,716 (2025) |
| Deeds & Mortgages | May 2026 Sale & Mortgage Feb 2026 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 001-390-013-00 |
| Primary APN | 001-390-013-00 |
|---|
| Lot Area | 871,200 sqft (20 acres) |
|---|
| Street Address | 5365 MADISON ST |
|---|---|
| City | PENTWATER |
| State | MI |
| Zip | 49449-8407 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | MLC917371 QC928163 WD939608 DEED-L2016/P11800 PT TO 13-10 IN 79 SEC 24 T16N R18W. 20 A M/L OFFICIAL MAP PLAT A W 1/2 OF LOT 1 |
| Legal Range | 18W |
| Legal Township | 16N |
| Legal Section | 24 |
| Legal Subdivision | PLAT A |
| Legal Lot Number | 13 |
| Jurisdiction | OCEANA MI |
| Township / Civil Division | PENTWATER |
| Census Block Group | 1 |
| Census Block | 1096 |
| Census Tract | 10800 |
5365 Madison St is owned and occupied by two individuals who bought it in May 2026.
Source: Oceana County records, as of October 13, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 7179 N CRESCENT DR, PENTWATER, MI 49449-9100 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Date | Document |
|---|---|
| May 26, 2026 | Warranty Deed, Transfer · Conventional Mortgage HUNTINGTON NATIONAL BANK |
| Feb 26, 2026 | Deed of Trust, Mortgage · Line of Credit THE SHELBY STATE BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 26, 2026 · Amount on File |
| Deed Sale | May 26, 2026 · Amount on File |
| Deed Document Number | 20263189 |
| Deed Book / Page | 2026 / 11570 |
| Prior Transfer Date | Jul 6, 2016 |
| Prior Transfer Doc | 2016/011800 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OCEANA MI |
| Recording Date | May 26, 2026 |
| Property Address | 5365 MADISON ST, PENTWATER, MI 49449-8407 |
| Document Number | 2026/11570 |
| Book / Page | 2026 / 11570 |
| Instrument Date | May 26, 2026 |
| Instrument | 20263189 |
| Transaction Type | Transfer |
| Record Updated | Jun 18, 2026 |
| Title Company | ADVANCED LAND TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 7179 N CRESCENT DR, PENTWATER, MI 49449-9100 |
| Document Number | 0000003190, |
|---|---|
| Date | May 26, 2026 |
| Instrument | 20263190 |
| Name | HUNTINGTON NATIONAL BANK |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Jun 1, 2041 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 5.74% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OCEANA MI |
| Property Address | 5365 MADISON ST, PENTWATER, MI 49449-8407 |
| Transaction Type | Mortgage |
| Record Updated | Mar 19, 2026 |
| Name | Verified Name |
|---|---|
| Address | 5365 MADISON ST, PENTWATER, MI 49449-8407 |
| Document Number | 02026/3666 |
|---|---|
| Date | Feb 26, 2026 |
| Book Page | 2026/3666 |
| Instrument | 202600000912 |
| Name | THE SHELBY STATE BANK |
|---|---|
| Type | Bank |
| Address | PENTWATER, MI 49449 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
The 2025 property tax bill for 5365 Madison St was $3,716 with a homeowner's exemption, up 6.6% from the year before.
Source: Oceana County assessment roll, as of October 13, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Oceana County |
| County Subdivision | Pentwater Township |
| Unified School District | Pentwater Public School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $249,700 (-5.52%) Land $249,700 | $499,400 (-5.52%) Land $499,400 | |
| 2025 | $3,716.00 (+6.6%) Homeowner's exemption | $264,300 Land $264,300 | $528,600 Land $528,600 |
| 2024 | $3,486.00 | ||
| 2023 | $162,800 Land $162,800 | $325,600 (-) Land $325,600 | |
| 2022 | $3,161.00 | $325,600 |
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.
FEMA maps place 5365 Madison 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 risk around 5365 Madison 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 | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 34 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 |
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