10445 Moonlight Bay Rd, Cheboygan, MI 49721 Property Records

Cheboygan County property record for 10445 Moonlight Bay Rd, Cheboygan, MI 49721

Property Summary

Property Type	Single Family Home
Details	2,184 sqft · built 2006
Lot Size	0.92 acres (40,075 sqft)
Owner	Individual Name on File
Tax Bill	$4,343 (2025)
Deeds & Mortgages	Apr 2022 Mortgage Apr 2021 Mortgage + 6 more
Flood Zone	Zone X (minimal risk)
APN	`104-008-300-001-05`

Property Details

APN / Parcel Number

Primary APN	`104-008-300-001-05`

Interior

Building Area	2,184 sqft Building Perimeter

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Lot Area	40,075 sqft (0.92 acres)

Location & Zoning

Street Address	10445 MOONLIGHT BAY RD
City	CHEBOYGAN
State	MI
Zip	49721-8909
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PAR 4: COM E 1/4 COR SEC 8; TH S 01D 03M 0S W ALG E SEC LI 253.82FT; TH N 86D 59M 30S W 2734.88FT; TH N 45D 01M 27S W
Legal Range	01W
Legal Township	037
Legal Section	08
Jurisdiction	CHEBOYGAN MI
Township / Civil Division	BENTON
Census Block Group	2
Census Block	2029
Census Tract	960300

Owner

Source: Cheboygan County records · APN 104-008-300-001-05

Assessment roll updated June 16, 2026 · Last verified August 2026

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

Owner of Record	Individual Name on File
Mailing Address	10445 MOONLIGHT BAY RD, CHEBOYGAN, MI 49721-8909
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Life Estate

Deeds, Mortgages & Sale History

Date	Document
Apr 20, 2022	Deed of Trust, Mortgage · Conventional Mortgage CITIZENS NATIONAL BANK OF CHEBOYGAN
Apr 27, 2021	Deed of Trust, Mortgage · Conventional Mortgage CITIZENS NATIONAL BANK OF CHEBOYGAN
Apr 26, 2022	Quit Claim Deed, Transfer Quitclaim
Dec 05, 2019	Warranty Deed, Transfer
Dec 05, 2019	Quit Claim Deed, Transfer Quitclaim
Dec 05, 2019	Warranty Deed, Transfer
Dec 05, 2019	Quit Claim Deed, Transfer Quitclaim
May 25, 2018	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Apr 26, 2022
Deed Sale	Apr 26, 2022
Prior Sale	Dec 05, 2019 · Amount on Record
Deed Book / Page	1481 / 687
Record Updated	Sep 20, 2026

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEBOYGAN MI
Property Address	10445 MOONLIGHT BAY RD, CHEBOYGAN, MI 49721-8909
Transaction Type	Mortgage
Record Updated	Jun 16, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10445 MOONLIGHT BAY RD, CHEBOYGAN, MI 49721-8909

Mortgage

Document Number	0000001481/0000000224
Date	Apr 20, 2022
Book Page	0000001481/0000000224

Lender

Name	CITIZENS NATIONAL BANK OF CHEBOYGAN

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 01, 2052

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEBOYGAN MI
Property Address	10445 MOONLIGHT BAY RD, CHEBOYGAN, MI 49721-8909
Transaction Type	Mortgage
Record Updated	Jun 16, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10445 MOONLIGHT BAY RD, CHEBOYGAN, MI 49721-8909

Mortgage

Document Number	0000001447/0000000648
Date	Apr 27, 2021
Book Page	0000001447/0000000648

Lender

Name	CITIZENS NATIONAL BANK OF CHEBOYGAN

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Jan 01, 2022

April 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CHEBOYGAN MI
Recording Date	Apr 26, 2022
Property Address	10445 MOONLIGHT BAY RD, CHEBOYGAN, MI 49721-8909
Document Number	001481/687
Book / Page	1481 / 687
Instrument Date	Apr 26, 2022
Transaction Type	Transfer
Record Updated	Jun 16, 2022

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	10445 MOONLIGHT BAY RD, CHEBOYGAN, MI 49721-8909

December 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEBOYGAN MI
Recording Date	Dec 05, 2019
Property Address	10445 MOONLIGHT BAY RD, CHEBOYGAN, MI 49721-8909
Document Number	001400/682
Book / Page	1400 / 682
Instrument Date	Nov 27, 2019
Transaction Type	Transfer
Record Updated	Jun 16, 2022

Transaction

Amount	Amount Recorded
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	100 MORNINGSIDE CT, BROOKLYN, MI 49230-9736

December 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CHEBOYGAN MI
Recording Date	Dec 05, 2019
Property Address	10445 MOONLIGHT BAY RD, CHEBOYGAN, MI 49721-8909
Document Number	1400/680
Book / Page	1400 / 680
Instrument Date	Nov 27, 2019
Transaction Type	Transfer
Record Updated	Feb 06, 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	7020 CLEAR LAKE RD, GRASS LAKE, MI 49240-9239

December 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEBOYGAN MI
Recording Date	Dec 05, 2019
Property Address	10445 MOONLIGHT BAY RD, CHEBOYGAN, MI 49721-8909
Document Number	1400/682
Book / Page	1400 / 682
Instrument Date	Nov 27, 2019
Transaction Type	Transfer
Record Updated	Feb 06, 2021

Transaction

Amount	Amount Recorded
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	100 MORNINGSIDE CT, BROOKLYN, MI 49230-9736

December 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CHEBOYGAN MI
Recording Date	Dec 05, 2019
Property Address	10445 MOONLIGHT BAY RD, CHEBOYGAN, MI 49721-8909
Document Number	001400/680
Book / Page	1400 / 680
Instrument Date	Nov 27, 2019
Transaction Type	Transfer
Record Updated	Jun 16, 2022

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	7020 CLEAR LAKE RD, GRASS LAKE, MI 49240-9239

May 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEBOYGAN MI
Recording Date	May 25, 2018
Property Address	10445 MOONLIGHT BAY RD, CHEBOYGAN, MI 49721-8909
Document Number	001360/151
Book / Page	1360 / 151
Instrument Date	May 18, 2018
Transaction Type	Transfer
Record Updated	Jun 16, 2022

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	7020 CLEAR LAKE RD, GRASS LAKE, MI 49240-9239

Tax Assessment & Valuation

Source: Cheboygan County records · Assessment roll updated June 16, 2026 · Last verified August 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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$299,600 (+7.77%)	$599,200 (+7.77%)
2025	$4,343.00 (+3.18%) Homeowner's exemption	$278,000 (+24.55%)	$556,000 (+24.55%)
2024	$4,209.00 (+8.59%)
2023		$223,200	$446,400
2022	$3,876.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of July 20, 2022 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force

Wildfire

Wildfire Risk	Low lower than 80% of the US · above 51% of Michigan
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Presque Isle Electric & Gas Co-op Fiber	1,000 / 1,000
Spectrum Cable	1,000 / 1,000
T-Mobile USA Fixed Wireless	100 / 20

May also be available: Verizon.

Based on FCC filings for 42 locations within half a mile of this property.

Nearby Properties on Moonlight Bay Rd

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