10407 E Madison Rd, Saint Helen, MI 48656 Property Records

Roscommon County property record for 10407 E Madison Rd, Saint Helen, MI 48656

Property Summary

Property Type	Single Family Home
Details	1 ba · 960 sqft
Lot Size	0.24 acres (10,454 sqft)
Owner	2 Individual Names on File
Last Sale	$117,500 (Oct 2025)
Tax Bill	$2,196 (2025)
Deeds & Mortgages	Feb 2005 Line of Credit Sep 2025 Refinance + 2 more
Flood Zone	Zone X (minimal risk)
APN	`010-411-037-0000`

Property Details

APN / Parcel Number

Primary APN	`010-411-037-0000`

Interior

Full Baths	1 Bath
Building Area	960 sqft Building Perimeter
1st Floor Area	960 sqft
Fireplaces	2 Fireplaces
Fireplace	Fireplace

Exterior

Architectural Style	Ranch
Lot Area	10,454 sqft (0.24 acres)
Garage Area	520 sqft

Utilities, Heating & Cooling

Heating System	Floor/Wall Furnace

Location & Zoning

Street Address	10407 E MADISON RD
City	SAINT HELEN
State	MI
Zip	48656-9785
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	L-896 P-612 (L-834 P-542&L-766 P-347)231 LOT 37 CEDAR LAKE SUBD.
Legal Subdivision	CEDAR LAKE SUB
Legal Lot Number	37
Jurisdiction	ROSCOMMON MI
Township / Civil Division	RICHFIELD
Census Block Group	1
Census Block	1059
Census Tract	970100

Owner

10407 E Madison Rd is owned by two individuals who bought it in October 2025.

Source: Roscommon County records, as of June 29, 2026

Owner of Record	2 Individual Names on File
Mailing Address	4231 SHOREVIEW LN, WHITMORE LAKE, MI 48189-9746
Owner Type	Individual
Vesting	Joint Tenants

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 14, 2005	Deed of Trust, Mortgage · Line of Credit JPMORGAN CHASE BANK NA
Sep 22, 2025	Deed of Trust, Mortgage · Stand-Alone Refinance COMMUNITY FINCL CU
Oct 15, 2025	Warranty Deed, Transfer · Stand-Alone First Mortgage COMMUNITY FINCL CU
Oct 24, 2023	Warranty Deed, Transfer · Stand-Alone First Mortgage DFCU FINANCIAL

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 15, 2025 · Amount on File
Deed Sale	Oct 15, 2025 · Amount on File
Prior Sale	Oct 24, 2023 · Amount on File
Deed Document Number	20257186
Deed Book / Page	1191 / 1809
Record Updated	Sep 20, 2026

February 2005: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROSCOMMON MI
Property Address	10407 E MADISON RD, SAINT HELEN, MI 48656-9785
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	01021/0170
Date	Feb 14, 2005
Book Page	1021/0170
Instrument	200500001230

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	239 Months
Due	Jan 27, 2025

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROSCOMMON MI
Property Address	10407 E MADISON RD, SAINT HELEN, MI 48656-9785
Transaction Type	Mortgage
Record Updated	Oct 8, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	01191/1113
Date	Sep 22, 2025
Book Page	1191/1113
Instrument	202500006490

Lender

Name	COMMUNITY FINCL CU

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	181 Months
Due	Oct 1, 2040

October 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ROSCOMMON MI
Recording Date	Oct 15, 2025
Property Address	10407 E MADISON RD, SAINT HELEN, MI 48656-9785
Document Number	01191/1809
Book / Page	1191 / 1809
Instrument Date	Sep 19, 2025
Instrument	202500007186
Transaction Type	Transfer
Record Updated	Apr 3, 2026

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	4231 SHOREVIEW LN, WHITMORE LAKE, MI 48189-9746

Mortgage

Document Number	202500006490
Date	Oct 15, 2025
Instrument	202500006490

Lender

Name	COMMUNITY FINCL CU

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record
Term	180 Months
Due	Oct 1, 2040

October 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ROSCOMMON MI
Recording Date	Oct 24, 2023
Property Address	10407 E MADISON RD, SAINT HELEN, MI 48656-9785
Document Number	01185/1829
Book / Page	1185 / 1829
Instrument Date	Oct 20, 2023
Instrument	202300006859
Transaction Type	Transfer
Record Updated	Nov 15, 2023

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4452 BIDDLE ST, WAYNE, MI 48184-2163

Mortgage

Document Number	202300006860
Date	Oct 24, 2023
Instrument	202300006860

Lender

Name	DFCU FINANCIAL

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Rate	7.25%
Type Change Date	Nov 1, 2033
Max Rate At Change	3%
Index	Other
Margin	3

Tax Assessment & Valuation

The 2025 property tax bill for 10407 E Madison Rd was $2,196, up 2.3% from the year before.

Source: Roscommon County assessment roll, as of June 29, 2026

Property Jurisdictions

Type	Name
State	Michigan
County	Roscommon County
County Subdivision	Richfield Township
Unified School District	Roscommon Area Public Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$66,800 (+45.22%)	$133,600 (+45.22%)
2025	$2,196.00 (+2.28%)	$46,000	$92,000
2024	$2,147.00
2023		$36,800	$73,600

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 10407 E Madison Rd in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective January 18, 2012

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 10407 E Madison Rd is low, with a 0.03% 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	0.03% annual chance
Exposure	Indirect within ember reach

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

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Starlink Satellite	280 / 30

Cell Coverage

5G and 4G LTE (outdoors only)

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