5593 Madison St, Pentwater, MI 49449 Property Records

Oceana County property record for 5593 Madison St, Pentwater, MI 49449

Property Summary

Property Type	Commercial
Details	12,800 sqft · built 2010
Lot Size	9.2 acres (400,752 sqft)
Owner	Company Name on Record
Tax Bill	$4,963 (2025)
Deeds & Mortgages	Jan 2018 Mortgage Aug 2020 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`001-390-005-00`

Property Details

APN / Parcel Number

Primary APN	`001-390-005-00`

Interior

Building Area	12,800 sqft Gross Area
1st Floor Area	12,800 sqft

Exterior

Year Built	Built 2010
Effective Year Built	Effective 2010
Lot Area	400,752 sqft (9.2 acres)
Total Buildings	3 Buildings

Location & Zoning

Street Address	5593 MADISON ST
City	PENTWATER
State	MI
Zip	49449
Property Category	Commercial
Property Type	Commercial > Retail
Legal Description	5593 W MADISON RD QC898495 PER DP TRUST-L2009P21440(ANNETTE M WITT) PT TO 005-50 & 60 IN 82 PT FR 18 IN 90 PER DP PT TO 19 IN
Legal Range	18W
Legal Township	16N
Legal Section	24
Legal Subdivision	PLAT A
Legal Lot Number	5
Jurisdiction	OCEANA MI
Township / Civil Division	PENTWATER
Census Block Group	1
Census Block	1096
Census Tract	10800

Owner

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	Company Name on Record
Mailing Address	PO BOX 756, PENTWATER, MI 49449-0756
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Jan 3, 2018	Deed of Trust, Mortgage · Commercial Mortgage THE SHELBY STATE BANK
Aug 3, 2020	Deed of Trust, Mortgage · Line of Credit THE SHELBY STATE BANK
Jan 9, 2019	Deed of Trust, Mortgage · Commercial Mortgage THE SHELBY STATE BANK

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Oct 29, 2026

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OCEANA MI
Property Address	5593 MADISON ST, PENTWATER, MI 49449-8407
Transaction Type	Mortgage
Record Updated	May 28, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2018/000096
Date	Jan 3, 2018
Book Page	2018/000096
Instrument	201800000023

Lender

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

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	2 Months
Due	Mar 12, 2018

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OCEANA MI
Property Address	5593 MADISON ST, PENTWATER, MI 49449-8407
Transaction Type	Mortgage
Record Updated	May 28, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2020/14914
Date	Aug 3, 2020
Book Page	2020/14914
Instrument	202000004229

Lender

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

Agreement

Type	Line of Credit
Amount	Amount Recorded

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OCEANA MI
Property Address	5593 MADISON ST, PENTWATER, MI 49449-8407
Transaction Type	Mortgage
Record Updated	May 28, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2019/000760
Date	Jan 9, 2019
Book Page	2019/000760
Instrument	201900000252

Lender

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

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

Source: Oceana County assessment roll, as of October 13, 2026

Property Jurisdictions

Type	Name
State	Michigan
County	Oceana County
County Subdivision	Pentwater Township
Unified School District	Pentwater Public School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$228,900 (+6.56%) Land $45,100 Building $183,800	$457,800 (+6.56%) Land $90,200 Building $367,600
2025	$4,963.00 (+15.9%)	$214,800 (+59.94%) Land $66,600 Building $148,200	$429,600 (+59.94%) Land $133,200 Building $296,400
2023		$134,300 Building $134,300	$268,600 (-) Building $268,600
2022	$4,282.00		$268,600

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

Flood

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.

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	None beyond ember reach

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

Internet Providers

Source: FCC Broadband Data Collection, based on 106 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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