805 E Lake St, Pentwater, MI 49449 Property Records

Oceana County property record for 805 E Lake St, Pentwater, MI 49449

Property Summary

Property Type	Single Family Home
Lot Size	0.35 acres (15,262 sqft)
Owner	Trust Name on File
Last Sale	$595,000 (Jul 2003)
Tax Bill	$10,715 (2025)
Deeds & Mortgages	Nov 2022 Line of Credit Jan 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`044-370-006-00`

Property Details

APN / Parcel Number

Primary APN	`044-370-006-00`

Exterior

Lot Area	15,262 sqft (0.35 acres)

Location & Zoning

Street Address	805 E LAKE ST
City	PENTWATER
State	MI
Zip	49449-9571
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	805 E LAKE RD WD-L2003P29744 WD-L2013P18260 LOVELL'S REPLAT LOT 6 & W 15 FT OF LOT 7. SPLIT ON 12/26/2013 INTO 044-370-006-00
Legal Subdivision	LOVELLS RPELAT
Legal Lot Number	6-7
Jurisdiction	OCEANA MI
Township / Civil Division	PENTWATER
Census Block Group	1
Census Block	1108
Census Tract	10800

Owner

805 E Lake St is owner-occupied and held in a trust since July 2003.

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

Owner of Record	Trust Name on File
Mailing Address	PO BOX 206, MEARS, MI 49436-0206
Occupancy	Owner Occupied
Owner Type	Company
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.

Deeds, Mortgages & Sale History

Date	Document
Nov 18, 2022	Deed of Trust, Mortgage · Line of Credit THE HUNTINGTON NATIONAL BANK
Jan 27, 2021	Deed of Trust, Mortgage THE HUNTINGTON NATIONAL BANK
Feb 11, 2019	Deed of Trust, Mortgage · Conventional Mortgage THE HUNTINGTON NATIONAL BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 22, 2003 · Amount on File
Deed Sale	Jul 22, 2003 · Amount on File
Deed Book / Page	2203 / 9744
Record Updated	Oct 29, 2026

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OCEANA MI
Property Address	805 E LAKE ST, PENTWATER, MI 49449-9571
Transaction Type	Mortgage
Record Updated	Dec 12, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	805 E LAKE ST, PENTWATER, MI 49449-9571

Mortgage

Document Number	2022/23862
Date	Nov 18, 2022
Book Page	2022/23862
Instrument	202200006540

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank
Address	COLUMBUS, OH 43231

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Nov 3, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OCEANA MI
Property Address	805 E LAKE ST, PENTWATER, MI 49449-9571
Transaction Type	Mortgage
Record Updated	Feb 17, 2021
Title Company	PARKS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2021/2167
Date	Jan 27, 2021
Book Page	2021/2167
Instrument	202100000532

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank
Address	COLUMBUS, OH 43231

Agreement

Amount	Amount on Record

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OCEANA MI
Property Address	805 E LAKE ST, PENTWATER, MI 49449-9571
Transaction Type	Mortgage
Record Updated	Mar 22, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2019/002034
Date	Feb 11, 2019
Book Page	2019/002034
Instrument	201900000663

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank
Address	COLUMBUS, OH 43219

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Mar 1, 2034

Tax Assessment & Valuation

The 2025 property tax bill for 805 E Lake St was $10,715 with a homeowner's exemption.

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		$1,015,000 (+13.4%) Land $1,015,000	$2,030,000 (+13.4%) Land $2,030,000
2025	$10,715.00 Homeowner's exemption	$895,100 Land $895,100	$1,790,200 Land $1,790,200
2023		$709,700 Land $709,700	$1,419,400 (-) Land $1,419,400
2022	$9,127.00		$1,419,400

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

Flood

FEMA maps place 805 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

The area around 805 E Lake St has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within 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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