614 E Hanover St, Pentwater, MI 49449 Property Records

Oceana County property record for 614 E Hanover St, Pentwater, MI 49449

Property Summary

Property Type	Single Family Home
Lot Size	0.427 acres (18,633 sqft)
Owner	Individual Name on Record
Last Sale	$85,000 (Feb 2010)
Tax Bill	$4,656 (2025)
Deeds & Mortgages	Feb 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`044-135-010-00`

Property Details

APN / Parcel Number

Primary APN	`044-135-010-00`

Exterior

Lot Area	18,633 sqft (0.427 acres)

Location & Zoning

Street Address	614 E HANOVER ST
City	PENTWATER
State	MI
Zip	49449-9427
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	614 E HANOVER ST - COBBS ADDITION TO VILLAGE OF PENTWATER W 1/2 OF LOT 10 BLK 5 WD-2010/2579 COMB WI 010-00-01 IN 2009
Legal Subdivision	COBBS ADDITION
Legal Block	5
Legal Lot Number	10
Jurisdiction	OCEANA MI
Township / Civil Division	PENTWATER
Census Block Group	1
Census Block	1020
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	Individual Name on Record
Mailing Address	614 E HANOVER ST, PENTWATER, MI 49449-9427
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 17, 2010 · Amount on Record
Deed Sale	Feb 17, 2010 · Amount on Record
Prior Sale	Sep 25, 2009 · Amount on Record
Deed Book / Page	2010 / 2579
Record Updated	Oct 29, 2026

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OCEANA MI
Property Address	614 E HANOVER ST, PENTWATER, MI 49449-9427
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2017/002298
Date	Feb 6, 2017
Book Page	2017/002298
Instrument	201700000616

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2047

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
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		$354,800 (-4.93%) Land $354,800	$709,600 (-4.93%) Land $709,600
2025	$4,656.00 (+17.55%) Homeowner's exemption	$373,200 (+38.43%) Land $373,200	$746,400 (+38.43%) Land $746,400
2023		$269,600 Land $269,600	$539,200 (-) Land $539,200
2022	$3,961.00		$539,200

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	Direct burnable vegetation

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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