Oceana County property record for 697 E Lake St, Pentwater, MI 49449
| Property Type | Single Family Home |
|---|---|
| Lot Size | 0.051 acres (2,245 sqft) |
| Owner | Trust Name on File |
| Tax Bill | $10,641 (2025) |
| Flood Zone | Zone AE (high risk) |
| APN | 044-399-016-00 |
| Primary APN | 044-399-016-00 |
|---|
| Lot Area | 2,245 sqft (0.051 acres) |
|---|
| Street Address | 697 E LAKE ST |
|---|---|
| City | PENTWATER |
| State | MI |
| Zip | 49449 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | WD958197 WD-L2004P7346(TRUST) BLOCK 9 - MEARS ADDITION TO THE VILLAGE OF PENTWATER LOT 16 |
| Legal Subdivision | MEARS ADDITION |
| Legal Block | 9 |
| Legal Lot Number | 16 |
| Jurisdiction | OCEANA MI |
| Township / Civil Division | PENTWATER |
| Census Block Group | 1 |
| Census Block | 1108 |
| Census Tract | 10800 |
697 E Lake St, a single family home, is held in a trust.
Source: Oceana County records, as of October 13, 2026
| Owner of Record | Trust Name on File |
|---|---|
| Mailing Address | 2441 CASCADE SPRINGS DR SE, GRAND RAPIDS, MI 49546-7413 |
| Owner Type | Individual |
| Vesting | Trust |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
The 2025 property tax bill for 697 E Lake St was $10,641.
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 | $283,900 (-7.61%) Land $283,900 | $567,800 (-7.61%) Land $567,800 | |
| 2025 | $10,641.00 | $307,300 Land $307,300 | $614,600 Land $614,600 |
| 2023 | $221,300 Land $221,300 | $442,600 (-) Land $442,600 | |
| 2022 | $4,372.00 | $442,600 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 697 E Lake St in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.
Source: FEMA National Flood Hazard Layer, effective August 23, 2021 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | 583.0 ft |
| Coastal | Yes |
| Flood Insurance Requirement | Required federally backed loans |
| 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 697 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.
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 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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