782 E Lake St, Pentwater, MI 49449 Property Records

Oceana County property record for 782 E Lake St, Pentwater, MI 49449

Property Summary

Property Type	Residential Vacant Land
Lot Size	0.107 acres (4,691 sqft)
Owner	Company Name on File
Last Sale	$204,000 (Dec 2019)
Tax Bill	$1,384 (2025)
Deeds & Mortgages	Dec 2019 Sale & Mortgage Sep 2017 Sale
Flood Zone	Zone AE (high risk)
APN	`044-370-001-50`

Property Details

APN / Parcel Number

Primary APN	`044-370-001-50`

Exterior

Lot Area	4,691 sqft (0.107 acres)

Location & Zoning

Street Address	782 E LAKE ST
City	PENTWATER
State	MI
Zip	49449-9571
Property Category	Residential
Property Type	Vacant Land > Residential
Legal Description	LOVELL'S REPLAT LOT 1 EXC E'LY 35 FT THOF QC775848 ED945670 SPL FR 001-00 IN 1978 LOA 2017/16926 DC SHIRLEY 2017/16928 WD 201
Legal Subdivision	FOREST HILLS
Legal Lot Number	1
Jurisdiction	OCEANA MI
Township / Civil Division	PENTWATER
Census Block Group	1
Census Block	1108
Census Tract	10800

Owner

782 E Lake St, residential vacant land, is owned by a company that bought it in December 2019.

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

Owner of Record	Company Name on File
Mailing Address	815 6TH ST, PENTWATER, MI 49449
Owner Type	Company
Vesting	Life Estate

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
Dec 13, 2019	Warranty Deed, Transfer · Conventional Mortgage MACATAWA BANK
Sep 1, 2017	Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 13, 2019 · Amount on File
Deed Sale	Dec 13, 2019 · Amount on File
Prior Sale	Sep 1, 2017 · Amount on File
Record Updated	Oct 29, 2026

December 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OCEANA MI
Recording Date	Dec 13, 2019
Property Address	782 E LAKE ST, PENTWATER, MI 49449-9571
Document Number	2019/022558
Book / Page	2019 / 022558
Instrument Date	Oct 14, 2019
Instrument	201900006668
Transaction Type	Transfer
Record Updated	Jul 22, 2022
Title Company	STARTEX TITLE AGENCY LLC, STARTITLE AGENCY LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,754.40
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	11669 E D AVE, 11669, RICHLAND, MI 49083-9342

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	815 6TH ST, PENTWATER, MI 49449-8402

Mortgage

Document Number	201900006669
Date	Dec 13, 2019
Instrument	201900006669

Lender

Name	MACATAWA BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	179 Months
Due	Nov 1, 2034

September 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OCEANA MI
Recording Date	Sep 1, 2017
Property Address	782 E LAKE ST, PENTWATER, MI 49449-9571
Document Number	2017/016919
Book / Page	2017 / 016919
Instrument Date	Aug 31, 2017
Instrument	201700005167
Transaction Type	Transfer
Record Updated	Jul 22, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Tax	$1,290.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	11669 E D AVE, RICHLAND, MI 49083-9342

Tax Assessment & Valuation

The 2025 property tax bill for 782 E Lake St was $1,384.

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		$55,600 (+0.54%) Land $55,600	$111,200 (+0.54%) Land $111,200
2025	$1,384.00	$55,300 Land $55,300	$110,600 Land $110,600
2023		$52,100 Land $52,100	$104,200 (-) Land $104,200
2022	$1,204.00		$104,200

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.

Flood

FEMA maps place 782 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

Wildfire risk around 782 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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