801 E Lake St, Pentwater, MI 49449 Property Records

Oceana County property record for 801 E Lake St, Pentwater, MI 49449

Property Summary

Property Type	Single Family Home
Lot Size	0.247 acres (10,782 sqft)
Owner	2 Individual Names on File
Tax Bill	$10,890 (2025)
Deeds & Mortgages	Apr 2018 Mortgage Feb 2018 Transfer
Flood Zone	Zone X (minimal risk)
APN	`044-370-005-00`

Property Details

APN / Parcel Number

Primary APN	`044-370-005-00`

Exterior

Lot Area	10,782 sqft (0.247 acres)

Location & Zoning

Street Address	801 E LAKE ST
City	PENTWATER
State	MI
Zip	49449-9571
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 5 LOVELL'S REPLAT. 801 E LAKE RD WD 2018/7421
Legal Subdivision	LOVELLS REP
Legal Lot Number	5
Jurisdiction	OCEANA MI
Township / Civil Division	PENTWATER
Census Block Group	1
Census Block	1108
Census Tract	10800

Owner

801 E Lake St is owned and occupied by two individuals who acquired it in July 2016.

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

Owner of Record	2 Individual Names on File
Mailing Address	1415 JAMAICA CT, SAINT LOUIS, MO 63122-1640
Occupancy	Owner Occupied
Owner Type	Individual

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
Apr 27, 2018	Warranty Deed, Transfer · ARM ADVANCIAL FCU
Feb 26, 2018	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 5, 2016
Deed Sale	Jul 5, 2016
Prior Sale	Oct 2, 1996 · Amount on File
Deed Document Number	20163953
Deed Book / Page	2016 / 11315
Prior Transfer Date	Oct 15, 2010
Prior Transfer Doc	2010/018417
Record Updated	Oct 29, 2026

April 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OCEANA MI
Recording Date	Apr 27, 2018
Property Address	801 E LAKE ST, PENTWATER, MI 49449-9571
Document Number	2018/007421
Book / Page	2018 / 007421
Map Reference	LB3 PG65
Instrument Date	Apr 26, 2018
Instrument	201800002665
Transaction Type	Transfer
Record Updated	May 11, 2021
Title Company	OCEANA LAND TITLE AGENCY, OCEANA LAND TITLE AGCY INC

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	50 WHEELER ST, 50, PENTWATER, MI 49449-9522

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3 CONWAY LN, SAINT LOUIS, MO 63124-1279

Mortgage

Document Number	201800002666
Date	Apr 27, 2018
Instrument	201800002666

Lender

Name	ADVANCIAL FCU
Type	Credit Union

Agreement

Type	ARM
Amount	Amount on Record
Term	181 Months
Due	May 1, 2033

Interest

Rate Type	Adjustable Rate
Rate	4.87%
Type Change Date	May 1, 2023
Change Frequency	Annually
Min Rate At Change	4.87%
Max Rate At Change	6.87%
Index	1-Year CMT
Margin	3
Max Rate	10.8%

February 2018: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OCEANA MI
Recording Date	Feb 26, 2018
Property Address	801 E LAKE ST, PENTWATER, MI 49449-9571
Document Number	2018/003250
Book / Page	2018 / 003250
Map Reference	LB3 PG65
Instrument Date	Feb 23, 2018
Instrument	201800000963
Transaction Type	Transfer
Record Updated	May 11, 2021

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	16192 CUTTERS CT, 16192, FORT MYERS, FL 33908-3090

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	801 EAST LK STREET, PENTWATER, FL 00000

Tax Assessment & Valuation

The 2025 property tax bill for 801 E Lake St was $10,890 with a homeowner's exemption, up 6.5% from the year before.

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		$721,200 (+14.26%) Land $721,200	$1,442,400 (+14.26%) Land $1,442,400
2025	$10,890.00 (+6.51%) Homeowner's exemption	$631,200 Land $631,200	$1,262,400 Land $1,262,400
2024	$10,224.00
2023		$505,100 Land $505,100	$1,010,200 (-) Land $1,010,200
2022	$9,276.00		$1,010,200

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

Flood

FEMA maps place 801 E Lake St in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
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

Wildfire risk around 801 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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