863 Park St, Pentwater, MI 49449 Property Records

Oceana County property record for 863 Park St, Pentwater, MI 49449

Property Summary

Property Type	Single Family Home
Lot Size	0.554 acres (24,169 sqft)
Owner	2 Individual Names on Record
Last Sale	$205,000 (Feb 2021)
Tax Bill	$3,559 (2025)
Deeds & Mortgages	May 2022 Line of Credit Mar 2021 Line of Credit + 4 more
Flood Zone	Zone X (minimal risk)
APN	`044-620-116-25`

Property Details

APN / Parcel Number

Primary APN	`044-620-116-25`

Exterior

Lot Area	24,169 sqft (0.554 acres)

Location & Zoning

Street Address	863 PARK ST
City	PENTWATER
State	MI
Zip	49449-9598
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	OFFICIAL MAP OF PLAT D VILLAGE OF PENTWATER E 25 FT OF W 1/2 OF BLK 116 & E 1/2 OF BLK 116 EXC E 83.35 FT THOF. 863 E PARK ST
Legal Range	18W
Legal Township	16N
Legal Section	14
Legal Subdivision	PLAT D
Legal Block	116
Jurisdiction	OCEANA MI
Township / Civil Division	PENTWATER
Census Block Group	1
Census Block	1067
Census Tract	10800

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	863 PARK ST, PENTWATER, MI 49449-9598
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 3, 2022	Deed of Trust, Mortgage · Line of Credit THE HUNTINGTON NATIONAL BANK
Mar 15, 2021	Deed of Trust, Mortgage · Line of Credit THE HUNTINGTON NATIONAL BANK
Jan 21, 2021	Deed of Trust, Mortgage · VA Mortgage THE HUNTINGTON NATIONAL BANK
Oct 9, 2020	Deed of Trust, Mortgage · Line of Credit THE HUNTINGTON NATIONAL BANK
Jan 4, 2018	Warranty Deed, Transfer · VA Mortgage THE HUNTINGTON NATIONAL BANK
Jan 4, 2018	Quit Claim Deed, Transfer LIGHTHOUSE TITLE INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 18, 2021 · Amount on Record
Deed Sale	Feb 18, 2021 · Amount on Record
Prior Sale	Jan 4, 2018 · Amount on Record
Prior Transfer Date	Dec 20, 2017
Prior Transfer Doc	2018/000282
Record Updated	Oct 29, 2026

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OCEANA MI
Property Address	863 PARK ST, PENTWATER, MI 49449-9598
Transaction Type	Mortgage
Record Updated	Jun 17, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2022/10137
Date	May 3, 2022
Book Page	2022/10137
Instrument	202200002950

Lender

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

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Apr 11, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OCEANA MI
Property Address	863 PARK ST, PENTWATER, MI 49449-9598
Transaction Type	Mortgage
Record Updated	Apr 29, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2021/6502
Date	Mar 15, 2021
Book Page	2021/6502
Instrument	202100001603

Lender

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

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Feb 18, 2051

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OCEANA MI
Property Address	863 PARK ST, PENTWATER, MI 49449-9598
Transaction Type	Mortgage
Record Updated	Feb 17, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2021/1118
Date	Jan 21, 2021
Book Page	2021/1118
Instrument	202100000281

Lender

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

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2051

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OCEANA MI
Property Address	863 PARK ST, PENTWATER, MI 49449-9598
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2020/21754
Date	Oct 9, 2020
Book Page	2020/21754
Instrument	202000005773

Lender

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

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Sep 10, 2050

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OCEANA MI
Recording Date	Jan 4, 2018
Property Address	863 PARK ST, PENTWATER, MI 49449-9598
Document Number	2018/000284
Book / Page	2018 / 000284
Instrument Date	Jan 3, 2018
Instrument	201800000066
Transaction Type	Transfer
Record Updated	May 11, 2021
Title Company	LIGHTHOUSE TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,763.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	863 PARK ST, 863, PENTWATER, MI 49449-9598

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	541 N MORRIS ST, LENNON, MI 48449

Mortgage

Document Number	201800000067
Date	Jan 4, 2018
Instrument	201800000067

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2048

January 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OCEANA MI
Recording Date	Jan 4, 2018
Property Address	863 PARK ST, PENTWATER, MI 49449-9598
Document Number	2018/000282
Book / Page	2018 / 000282
Instrument Date	Dec 20, 2017
Instrument	201800000065
Transaction Type	Transfer
Record Updated	May 11, 2021
Title Company	LIGHTHOUSE TITLE INC

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	863 PARK ST, 863, PENTWATER, MI 49449-9598

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1110 6TH ST, PENTWATER, MI 49449-9406

Tax Assessment & Valuation

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		$193,100 (-4.78%) Land $193,100	$386,200 (-4.78%) Land $386,200
2025	$3,559.00 (+17.54%) Homeowner's exemption	$202,800 (+35.02%) Land $202,800	$405,600 (+35.02%) Land $405,600
2023		$150,200 Land $150,200	$300,400 (-) Land $300,400
2022	$3,028.00		$300,400

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

Flood

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record 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

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	Indirect within ember reach
Adjoins Burnable Land	Yes

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 138 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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