821 E Lake St, Pentwater, MI 49449 Property Records

Oceana County property record for 821 E Lake St, Pentwater, MI 49449

Property Summary

Property Type	Single Family Home
Lot Size	0.151 acres (6,598 sqft)
Owner	Individual Name on File
Last Sale	$840,000 (Sep 2013)
Tax Bill	$16,070 (2025)
Deeds & Mortgages	Mar 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`044-370-009-00`

Property Details

APN / Parcel Number

Primary APN	`044-370-009-00`

Exterior

Lot Area	6,598 sqft (0.151 acres)

Location & Zoning

Street Address	821 E LAKE ST
City	PENTWATER
State	MI
Zip	49449-9571
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 9 LOVELL'S REPLAT SUBJ TO ESMT 821 E LAKE RD WD 2018/4392 MLC-L2012P23066 TD-L2013P19844 ESMT-L2009P22608
Legal Subdivision	LOVELLS REPLAT
Legal Lot Number	9
Jurisdiction	OCEANA MI
Township / Civil Division	PENTWATER
Census Block Group	1
Census Block	1108
Census Tract	10800

Owner

821 E Lake St is owned by an individual who bought it in September 2013.

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

Owner of Record	Individual Name on File
Mailing Address	10446 BROOKRIDGE CREEK DR, FRANKFORT, IL 60423-8087
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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 5, 2013 · Amount on File
Deed Sale	Sep 5, 2013 · Amount on File
Deed Book / Page	2013 / 19844
Prior Transfer Date	Oct 23, 2007
Prior Transfer Doc	2008/005543
Record Updated	Oct 29, 2026

March 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OCEANA MI
Recording Date	Mar 14, 2018
Property Address	821 E LAKE ST, PENTWATER, MI 49449-9571
Document Number	2018/004392
Book / Page	2018 / 004392
Map Reference	LB3 PG65
Instrument Date	Mar 12, 2018
Instrument	201800001318
Transaction Type	Transfer
Record Updated	May 11, 2021

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	12331 FOREST SCHOOL LN, 12331, LOUISVILLE, KY 40223-1509

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10446 BROOKRIDGE CREEK DR, FRANKFORT, IL 60423-8087

Mortgage

Document Number	201800001319
Date	Mar 14, 2018
Instrument	201800001319

Lender

Name	MB FINANCIAL BANK NA
Type	Bank

Agreement

Type	ARM
Amount	Amount on Record
Term	358 Months
Due	Jan 2, 2048

Interest

Rate Type	Adjustable Rate
Rate	4%
Type Change Date	Apr 1, 2025
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	6%
Index	1-Year LIBOR
Max Rate	9%

Tax Assessment & Valuation

The 2025 property tax bill for 821 E Lake St was $16,070, up 5.1% 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		$728,900 (+13.77%) Land $728,900	$1,457,800 (+13.77%) Land $1,457,800
2025	$16,070.00 (+5.09%)	$640,700 Land $640,700	$1,281,400 Land $1,281,400
2024	$15,291.00
2023		$501,700 Land $501,700	$1,003,400 (-) Land $1,003,400
2022	$13,870.00		$1,003,400

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

Flood

FEMA maps place 821 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 821 E Lake St is low, with 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 80% of the US · above 51% of Michigan
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation

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 106 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: Frontier.

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