102 Phoxy Ln, Indian River, MI 49749 Property Records

Cheboygan County property record for 102 Phoxy Ln, Indian River, MI 49749

Property Summary

Property Type	Single Family Home
Lot Size	0.92 acres (40,075 sqft)
Owner	2 Individual Names on File
Tax Bill	$12,504 (2025)
Deeds & Mortgages	Feb 2026 Mortgage May 2015 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`161-001-105-043-00`

Property Details

APN / Parcel Number

Primary APN	`161-001-105-043-00`

Exterior

Lot Area	40,075 sqft (0.92 acres)

Location & Zoning

Street Address	102 PHOXY LN
City	INDIAN RIVER
State	MI
Zip	49749-5803
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PAR C: COM AT N 1/4 COR SEC 1, T35N,R3W; TH N 89D 1M W ALG N LI SD SEC 891.84FT; TH S 4D 12M W 403.64FT TO POB; TH S 4D 12M W
Legal Range	03W
Legal Township	035
Legal Section	01
Legal Lot Number	1
Jurisdiction	CHEBOYGAN MI
Township / Civil Division	TUSCARORA
Census Block Group	4
Census Block	4002
Census Tract	960600

Owner

102 Phoxy Ln is owned by two individuals who acquired it in February 2026.

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

Owner of Record	2 Individual Names on File
Mailing Address	8228 BUSH RD, SAINT LOUIS, MI 48880-9121
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
Feb 26, 2026	Deed of Trust, Mortgage · Conventional Mortgage ISABELLA BANK
May 5, 2015	Deed of Trust, Mortgage QUICKEN LOANS INC
Feb 26, 2026	Warranty Deed, Transfer · Conventional Mortgage ISABELLA BANK
Feb 26, 2026	Quit Claim Deed, Transfer SBS TITLE AGENCY, MBS TITLE AGENCY
May 26, 2023	Warranty Deed, Transfer · Conventional Mortgage WILDFIRE CREDIT UNION
May 25, 2023	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 26, 2026
Deed Sale	Feb 26, 2026
Prior Sale	Feb 26, 2026 · Amount on File
Deed Book / Page	1576 / 543
Prior Transfer Date	Feb 20, 2026
Prior Transfer Doc	001576/543
Record Updated	Oct 29, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEBOYGAN MI
Property Address	102 PHOXY LN, INDIAN RIVER, MI 49749-5803
Transaction Type	Mortgage
Record Updated	Mar 23, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8228 BUSH RD, SAINT LOUIS, MI 48880-9121

Mortgage

Document Number	0000001576/0000000547
Date	Feb 26, 2026
Book Page	0000001576/0000000547

Lender

Name	ISABELLA BANK

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	359 Months
Due	Jan 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	5.5%
Type Change Date	Mar 1, 2020

May 2015: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEBOYGAN MI
Property Address	102 PHOXY LN, INDIAN RIVER, MI 49749-5803
Transaction Type	Mortgage
Record Updated	Mar 9, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	01281/0411
Date	May 5, 2015
Book Page	1281/0411

Lender

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

Agreement

Amount	Amount on Record
Term	121 Months
Due	Jun 1, 2025

February 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEBOYGAN MI
Recording Date	Feb 26, 2026
Property Address	102 PHOXY LN, INDIAN RIVER, MI 49749-5803
Document Number	001576/545
Book / Page	1576 / 545
Instrument Date	Feb 25, 2026
Transaction Type	Transfer
Record Updated	Jun 16, 2026

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$58.48
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	8228 BUSH RD, SAINT LOUIS, MI 48880-9121

Mortgage

Document Number	0001576547
Date	Feb 26, 2026
Instrument	1576/547

Lender

Name	ISABELLA BANK

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	359 Months
Due	Jan 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	5.5%
Type Change Date	Mar 1, 2020

February 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CHEBOYGAN MI
Recording Date	Feb 26, 2026
Property Address	102 PHOXY LN, INDIAN RIVER, MI 49749-5803
Document Number	001576/543
Book / Page	1576 / 543
Instrument Date	Feb 20, 2026
Transaction Type	Transfer
Record Updated	Mar 9, 2026
Title Company	SBS TITLE AGENCY, MBS TITLE AGENCY

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	1279 JODIE LYNN LN, ESSEXVILLE, MI 48732-1650

May 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEBOYGAN MI
Recording Date	May 26, 2023
Property Address	102 PHOXY LN, INDIAN RIVER, MI 49749-5803
Document Number	001508/279
Book / Page	1508 / 279
Instrument Date	May 19, 2023
Transaction Type	Transfer
Record Updated	Jun 2, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2412 26TH ST, BAY CITY, MI 48708-7620

Mortgage

Document Number	0001508284
Date	May 26, 2023
Instrument	1508/284

Lender

Name	WILDFIRE CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	356 Months
Due	Jan 1, 2053

May 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CHEBOYGAN MI
Recording Date	May 25, 2023
Property Address	102 PHOXY LN, INDIAN RIVER, MI 49749-5803
Document Number	001508/304
Book / Page	1508 / 304
Instrument Date	May 19, 2023
Transaction Type	Transfer
Record Updated	Jun 2, 2023

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	2412 26TH ST, BAY CITY, MI 48708-7620

Tax Assessment & Valuation

The 2025 property tax bill for 102 Phoxy Ln was $12,504, up 2.8% 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	Tuscarora Township
Unified School District	Inland Lakes Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$447,200 (+45.81%)	$894,400 (+45.81%)
2025	$12,504.00 (+2.81%)	$306,700	$613,400
2024	$12,162.00
2023		$251,300	$502,600
2022	$3,250.00

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

Flood

FEMA maps place 102 Phoxy Ln in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective July 20, 2022

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

Wildfire risk around 102 Phoxy Ln is low, with less than 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 94% of the US · lower than 85% of Michigan
Wildfire Likelihood	Under 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 54 locations within half a mile, as of December 31, 2025

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

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Phoxy Ln

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