88 E Concord St, Pentwater, MI 49449 Property Records

Oceana County property record for 88 E Concord St, Pentwater, MI 49449

Property Summary

Property Type	Single Family Home
Lot Size	0.42 acres (18,293 sqft)
Owner	2 Individual Names on Record
Tax Bill	$5,232 (2025)
Deeds & Mortgages	Oct 2020 Mortgage Jun 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`044-686-005-00`

Property Details

APN / Parcel Number

Primary APN	`044-686-005-00`

Exterior

Lot Area	18,293 sqft (0.42 acres)

Location & Zoning

Street Address	88 E CONCORD ST
City	PENTWATER
State	MI
Zip	49449
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	88 E CONCORD ST QC-L2000P20106 WD-L2001P28180 COMB WI 006-00 IN 83/WF QC-L2002P27259 VILLAGE OF PENTWATER - BLK 16 LOTS 5 & 6
Legal Subdivision	VILLAGE OF PENTWATER
Legal Block	16
Legal Lot Number	5-6
Jurisdiction	OCEANA MI
Township / Civil Division	PENTWATER
Census Block Group	1
Census Block	1052
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	5290 ELLIS RD, YPSILANTI, MI 48197-8945
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 19, 2020	Deed of Trust, Mortgage · Conventional Mortgage AMERISAVE MORTGAGE CORP
Jun 12, 2018	Deed of Trust, Mortgage QUICKEN LOANS INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OCEANA MI
Property Address	88 E CONCORD ST, PENTWATER, MI 49449
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2020/22755
Date	Oct 19, 2020
Book Page	2020/22755
Instrument	202000006009

Lender

Name	AMERISAVE MORTGAGE CORP
Type	Mortgage Company
Address	ATLANTA, GA 30305

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2050

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OCEANA MI
Property Address	88 E CONCORD ST, PENTWATER, MI 49449
Transaction Type	Mortgage
Record Updated	Aug 8, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2018/010194
Date	Jun 12, 2018
Book Page	2018/010194
Instrument	201800003430

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution
Address	DETROIT, MI 48226

Agreement

Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2048

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		$208,200 (-3.3%) Land $208,200	$416,400 (-3.3%) Land $416,400
2025	$5,232.00 (+15.91%)	$215,300 (+34.65%) Land $215,300	$430,600 (+34.65%) Land $430,600
2023		$159,900 Land $159,900	$319,800 (-) Land $319,800
2022	$4,514.00		$319,800

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

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

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: AT&T.

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