Livingston County property record for 821 Oak Cluster Dr, Howell, MI 48855
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,278 sqft · built 1997 |
| Lot Size | 0.337 acres (14,680 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $250,000 (Apr 2004) |
| Tax Bill | $4,224 (2025) |
| Deeds & Mortgages | Nov 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 17-26-101-004 |
| Primary APN | 17-26-101-004 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,278 sqft Living Area |
| 1st Floor Area | 1,112 sqft |
| Basement Area | 1,112 sqft |
| Unfinished Basement | 1,112 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1997 |
|---|---|
| Effective Year Built | Effective 1997 |
| Exterior Material | Wood Siding |
| Roof Type | Gable |
| Lot Area | 14,680 sqft (0.337 acres) |
| Garage Area | 441 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Porch |
| Porch Area | 50 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Street Address | 821 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 4 |
| Legal Range | 04E |
| Legal Township | 03N |
| Legal Section | 26 |
| Legal Subdivision | ROLLING OAKS |
| Legal Tract | 725000 |
| Legal Lot Number | 4 |
| Jurisdiction | LIVINGSTON MI |
| Township / Civil Division | HOWELL |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 725000 |
821 Oak Cluster Dr is owned and occupied by two individuals who bought it in April 2004.
Source: Livingston County records, as of August 17, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 821 OAK CLUSTER DR, HOWELL, MI 48855-7774 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 27, 2004 · Amount on File |
| Deed Sale | Apr 27, 2004 · Amount on File |
| Prior Sale | Apr 27, 2004 · Amount on File |
| Deed Book / Page | 4419 / 489 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LIVINGSTON MI |
| Property Address | 821 OAK CLUSTER DR, HOWELL, MI 48855-7774 |
| Transaction Type | Mortgage |
| Record Updated | Aug 12, 2022 |
| Title Company | FIRST AMERICAN TITLE CO |
| Name | Verified Name |
|---|---|
| Address | 821 OAK CLUSTER DR, HOWELL, MI 48855-7774 |
| Document Number | 0000044678 |
|---|---|
| Date | Nov 3, 2021 |
| Instrument | 2021R-044678 |
| Name | MIDLAND MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | OKLAHOMA CITY, OK 73118 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 258 Months |
| Due | May 1, 2043 |
The 2025 property tax bill for 821 Oak Cluster Dr was $4,224 with a homeowner's exemption.
Source: Livingston County assessment roll, as of August 17, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Livingston County |
| Municipality | Howell City |
| Unified School District | Howell Public Schools (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $205,800 | $411,600 | |
| 2025 | $4,224.00 | ||
| 2023 | $153,000 | ||
| 2021 | $306,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 821 Oak Cluster Dr in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective September 17, 2008
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Wildfire risk around 821 Oak Cluster Dr 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 | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | CITY OF HOWELL serves 9,914 people · EPA ID MI0003250 |
|---|---|
| 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, 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.
Source: FCC Broadband Data Collection, based on 224 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Surf Internet 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.
Search by:
By searching, you agree to: Terms • Privacy • Disclosures