10120 US 23, Cheboygan, MI 49721 Property Records

Cheboygan County property record for 10120 US 23, Cheboygan, MI 49721

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,200 sqft · built 2004
Lot Size	3.21 acres (139,828 sqft)
Owner	Individual Name on File
Tax Bill	$1,864 (2025)
Deeds & Mortgages	Jul 2023 Transfer Jul 2023 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`105-B03-000-007-00`

Property Details

APN / Parcel Number

Primary APN	`105-B03-000-007-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	2,200 sqft Living Area
1st Floor Area	1,600 sqft

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Architectural Style	Multi-Family
Lot Area	139,828 sqft (3.21 acres)
Garage Area	1,480 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	10120 US 23
City	CHEBOYGAN
State	MI
Zip	49721-8958
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BIRCHCREST SUB, LOT 6 & 7. (SEC 26,T38N,R1E) 708/169;1423/485;1511/208
Legal Range	01E
Legal Township	006
Legal Section	26
Legal Subdivision	BIRCHCREST SUB
Legal Lot Number	6-7
Jurisdiction	CHEBOYGAN MI
Township / Civil Division	BENTON
Census Block Group	2
Census Block	2022
Census Tract	960402

Owner

10120 US 23 is owned and occupied by an individual who acquired it in June 2023.

Source: Cheboygan County records, as of June 16, 2026

Owner of Record	Individual Name on File
Mailing Address	10120 US 23, CHEBOYGAN, MI 49721-8958
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.

Deeds, Mortgages & Sale History

Date	Document
Jul 10, 2023	Quit Claim Deed, Transfer MICHIGAN TRUSTED TITLE AGENCY, MICHIGAN TRUSTED TITLE AGENC
Jul 10, 2023	Quit Claim Deed, Transfer · Conventional Mortgage ALPENA ALCONA AREA CREDIT UNION
Sep 3, 2020	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Jun 28, 2023
Transfer Doc	001511/208
Record Updated	Sep 20, 2026

July 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CHEBOYGAN MI
Recording Date	Jul 10, 2023
Property Address	10120 US 23, CHEBOYGAN, MI 49721-8958
Document Number	001511/208
Book / Page	1511 / 208
Instrument Date	Jun 28, 2023
Transaction Type	Transfer
Record Updated	Aug 3, 2023
Title Company	MICHIGAN TRUSTED TITLE AGENCY, MICHIGAN TRUSTED TITLE AGENC

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	10120 US 23, CHEBOYGAN, MI 49721-8958

July 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CHEBOYGAN MI
Recording Date	Jul 10, 2023
Property Address	10120 US 23, CHEBOYGAN, MI 49721-8958
Document Number	001511/208
Book / Page	1511 / 208
Instrument Date	Jun 28, 2023
Transaction Type	Transfer
Record Updated	Jul 24, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10120 US 23, CHEBOYGAN, MI 49721-8958

Mortgage

Document Number	0001511210
Date	Jul 10, 2023
Instrument	1511/210

Lender

Name	ALPENA ALCONA AREA CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	354 Months
Due	Jan 1, 2053

September 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CHEBOYGAN MI
Recording Date	Sep 3, 2020
Property Address	10120 US 23, CHEBOYGAN, MI 49721-8958
Document Number	1423/485
Book / Page	1423 / 485
Instrument Date	Aug 26, 2020
Transaction Type	Transfer
Record Updated	Jun 1, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10120 US 23, CHEBOYGAN, MI 49721-8958

Tax Assessment & Valuation

The 2025 property tax bill for 10120 US 23 was $1,864 with a homeowner's exemption, up 3.2% from the year before.

Source: Cheboygan County assessment roll, as of June 16, 2026

Property Jurisdictions

Type	Name
State	Michigan
County	Cheboygan County
County Subdivision	Benton Township
Unified School District	Cheboygan Area Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$152,600 (+10.26%)	$305,200 (+10.26%)
2025	$1,864.00 (+3.21%) Homeowner's exemption	$138,400	$276,800
2024	$1,806.00
2023		$122,600	$245,200
2022	$1,150.00

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

Flood

FEMA maps place 10120 US 23 in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2026.

Source: FEMA National Flood Hazard Layer, effective July 20, 2022 · 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
Nearby Flood Policies	3 in force
Nearby Flood Claims	1 (2026)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Apr 2026 · Severe Storms, Tornadoes, And Flooding

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 10120 US 23 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 12 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Presque Isle Connect Fiber	1,000 / 1,000

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on US 23

Nearby Streets

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