Livingston County property record for 809 Oak Cluster Dr, Howell, MI 48855
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,275 sqft · built 1995 |
| Lot Size | 0.273 acres (11,892 sqft) |
| Owner | Individual Name on File |
| Last Sale | $290,000 (Apr 2021) |
| Tax Bill | $5,937 (2025) |
| Deeds & Mortgages | May 2022 Line of Credit Apr 2021 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 17-26-101-002 |
| Primary APN | 17-26-101-002 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,275 sqft Living Area |
| 1st Floor Area | 974 sqft |
| Basement Area | 974 sqft |
| Unfinished Basement | 974 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1995 |
|---|---|
| Effective Year Built | Effective 1995 |
| Exterior Material | Wood Siding |
| Roof Type | Gable |
| Lot Area | 11,892 sqft (0.273 acres) |
| Garage Area | 460 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Porch |
| Porch Area | 42 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Street Address | 809 OAK CLUSTER DR |
|---|---|
| City | HOWELL |
| State | MI |
| Zip | 48855-7774 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PUD |
| Legal Description | SEC 26 T3N R4E CITY OF HOWELL ROLLING OAKS SUBDIVISION LOT 2 |
| Legal Range | 04E |
| Legal Township | 03N |
| Legal Section | 26 |
| Legal Subdivision | ROLLING OAKS |
| Legal Tract | 725000 |
| Legal Lot Number | 2 |
| Jurisdiction | LIVINGSTON MI |
| Township / Civil Division | HOWELL |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 725000 |
Source: Livingston County records · APN 17-26-101-002
Assessment roll updated August 17, 2026 · Last verified August 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 File |
|---|---|
| Mailing Address | 809 OAK CLUSTER DR, HOWELL, MI 48855-7774 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 17, 2022 | Deed of Trust, Mortgage · Line of Credit FLAGSTAR BANK FSB |
| Apr 12, 2021 | Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Sep 27, 2018 | Warranty Deed, Transfer · Conventional with PMI FLAGSTAR BK |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Apr 12, 2021 · Amount on Record |
| Deed Sale | Apr 12, 2021 · Amount on Record |
| Prior Sale | Sep 27, 2018 · Amount on Record |
| Deed Document Number | 202116317 |
| Prior Transfer Date | Jan 17, 2011 |
| Prior Transfer Doc | 2011R014567 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LIVINGSTON MI |
| Property Address | 809 OAK CLUSTER DR, HOWELL, MI 48855-7774 |
| Transaction Type | Mortgage |
| Record Updated | May 27, 2022 |
| Name | Verified Name |
|---|---|
| Address | 809 OAK CLUSTER DR, HOWELL, MI 48855-7774 |
| Document Number | 0000014497 |
|---|---|
| Date | May 17, 2022 |
| Instrument | 2022R-014497 |
| Name | FLAGSTAR BANK FSB |
|---|---|
| Type | Bank |
| Address | TROY, MI 48098 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 01, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LIVINGSTON MI |
| Recording Date | Apr 12, 2021 |
| Property Address | 809 OAK CLUSTER DR, HOWELL, MI 48855-7774 |
| Document Number | 2021R016317 |
| Map Reference | LB 31 PG 13-17 |
| Instrument Date | Apr 01, 2021 |
| Instrument | 2021R-016317 |
| Transaction Type | Transfer |
| Record Updated | Jul 15, 2021 |
| Title Company | PREMIER TITLE AGENCY INC, PREMIER TITLE AGENCY LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,175.00 |
| Amount Accuracy | Rounded by County |
| Name | Verified Name |
|---|---|
| Address | 809 OAK CLUSTER DR, 809, HOWELL, MI 48855-7774 |
| Name | Verified Name |
|---|---|
| Address | 809 OAK CLUSTER DR, HOWELL, MI 48855-7774 |
| Document Number | 2021R016318 |
|---|---|
| Date | Apr 12, 2021 |
| Instrument | 2021R-016318 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 01, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LIVINGSTON MI |
| Recording Date | Sep 27, 2018 |
| Property Address | 809 OAK CLUSTER DR, HOWELL, MI 48855-7774 |
| Document Number | 0000026005 |
| Instrument Date | Sep 19, 2018 |
| Instrument | 26005 |
| Transaction Type | Transfer |
| Record Updated | Jan 15, 2019 |
| Title Company | LAWYERS TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,150.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 517 W SIBLEY ST HOWELL MI 488432134, HOWELL, MI 48843-2134 |
| Document Number | 26006 |
|---|---|
| Date | Sep 27, 2018 |
| Instrument | 26006 |
| Name | FLAGSTAR BK |
|---|---|
| Type | Bank |
| Address | TROY, MI 48098-2639 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 26, 2048 |
Source: Livingston County records · Assessment roll updated August 17, 2026 · Last verified August 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Livingston County |
| Municipality | Howell City |
| Unified School District | Howell Public Schools (KG - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $195,600 (+17.41%) | $391,200 (+17.41%) | |
| 2025 | $5,937.00 Homeowner's exemption | $166,600 (+14.27%) | $333,200 (+14.27%) |
| 2023 | $145,800 | ||
| 2021 | $291,600 |
Source: FEMA National Flood Hazard Layer as of September 17, 2008 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Wildfire Risk | Low lower than 80% of the US · above 51% of Michigan |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | None beyond ember reach |
Values are read at the parcel center point; lenders make the official flood determination.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Surf Air Wireless Fiber | 8,000 / 8,000 |
| Xfinity Cable | 1,200 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T Fixed Wireless · DSL | 100 / 20 |
May also be available: T-Mobile USA.
Based on FCC filings for 224 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | CITY OF HOWELL serves 9,914 people |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Aug 2023 |
| Lead | Under 1 ppb (2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 1 last 3 years |
Results are for the whole water system as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.
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