10516 Munger Rd, Afton, MI 49705 Property Records

Cheboygan County property record for 10516 Munger Rd, Afton, MI 49705

Property Summary

Property Type	Single Family Home
Lot Size	20 acres (871,200 sqft)
Owner	2 Individual Names on File
Tax Bill	$2,771 (2025)
Deeds & Mortgages	Dec 2025 Mortgage Jul 2021 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`210-026-400-001-01`

Property Details

APN / Parcel Number

Primary APN	`210-026-400-001-01`

Exterior

Lot Area	871,200 sqft (20 acres)

Location & Zoning

Street Address	10516 MUNGER RD
City	AFTON
State	MI
Zip	49705-9708
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	N1/2 OF N1/2 OF N1/2 OF SE1/4, SEC 26, T34N,R2W. 562/294;639/917;667/549;676/289;1548/811;1570/824
Legal Range	02W
Legal Township	034
Legal Section	26
Jurisdiction	CHEBOYGAN MI
Township / Civil Division	ELLIS
Census Block Group	1
Census Block	1031
Census Tract	960800

Owner

10516 Munger Rd is owned and occupied by two individuals who acquired it in December 2025.

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

Owner of Record	2 Individual Names on File
Mailing Address	4354 DUTCHER RD, AKRON, MI 48701-9524
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
Dec 8, 2025	Deed of Trust, Mortgage · Conventional Mortgage UNION HOME MORTGAGE
Jul 30, 2021	Deed of Trust, Mortgage · Conventional Mortgage CITIZENS NATIONAL BANK OF CHEB
Jul 30, 2021	Deed of Trust, Mortgage · Conventional Mortgage CITIZENS NATIONAL BANK OF CHEBOYGAN
Dec 8, 2025	Deed of Trust, Mortgage · Conventional Mortgage UNION HOME MORTGAGE
Dec 8, 2025	Warranty Deed, Transfer · Conventional Mortgage UNION HOME MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 8, 2025
Deed Sale	Dec 8, 2025
Prior Sale	Apr 28, 1997 · Amount on File
Deed Book / Page	1570 / 824
Prior Transfer Date	Feb 10, 2025
Prior Transfer Doc	001548/811
Record Updated	Sep 20, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEBOYGAN MI
Property Address	10516 MUNGER RD, AFTON, MI 49705-9708
Transaction Type	Mortgage
Record Updated	Dec 29, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4354 DUTCHER RD, AKRON, MI 48701-9524

Mortgage

Document Number	0000001570/0000000828
Date	Dec 8, 2025
Book Page	0000001570/0000000828

Lender

Name	UNION HOME MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Jan 1, 2041

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEBOYGAN MI
Property Address	10516 MUNGER RD, AFTON, MI 49705-9708
Transaction Type	Mortgage
Record Updated	Dec 29, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10516 MUNGER RD, AFTON, MI 49705-9708

Mortgage

Document Number	0000001457/0000000886
Date	Jul 30, 2021
Book Page	0000001457/0000000886

Lender

Name	CITIZENS NATIONAL BANK OF CHEB

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Jan 1, 2036

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEBOYGAN MI
Property Address	10516 MUNGER RD, AFTON, MI 49705-9708
Transaction Type	Mortgage
Record Updated	Dec 22, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10516 MUNGER RD, AFTON, MI 49705-9708

Mortgage

Document Number	0000001457/0000000886
Date	Jul 30, 2021
Book Page	0000001457/0000000886

Lender

Name	CITIZENS NATIONAL BANK OF CHEBOYGAN

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Jan 1, 2036

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEBOYGAN MI
Property Address	10516 MUNGER RD, AFTON, MI 49705-9708
Transaction Type	Mortgage
Record Updated	Dec 22, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4354 DUTCHER RD, AKRON, MI 48701-9524

Mortgage

Document Number	0000001570/0000000828
Date	Dec 8, 2025
Book Page	0000001570/0000000828

Lender

Name	UNION HOME MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Jan 1, 2041

December 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEBOYGAN MI
Recording Date	Dec 8, 2025
Property Address	10516 MUNGER RD, AFTON, MI 49705-9708
Document Number	001570/824
Book / Page	1570 / 824
Instrument Date	Dec 4, 2025
Transaction Type	Transfer
Record Updated	Dec 22, 2025

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	4354 DUTCHER RD, AKRON, MI 48701-9524

Mortgage

Document Number	0001570828
Date	Dec 8, 2025
Instrument	1570/828

Lender

Name	UNION HOME MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Jan 1, 2041

Tax Assessment & Valuation

The 2025 property tax bill for 10516 Munger Rd was $2,771 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	Ellis Township
Unified School District	Wolverine Community Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$341,500 (+82.33%)	$683,000 (+82.33%)
2025	$2,771.00 (+3.16%) Homeowner's exemption	$187,300	$374,600
2024	$2,686.00
2023		$181,500	$363,000
2022	$2,431.00

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

Flood

FEMA maps place 10516 Munger Rd 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 10516 Munger Rd 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, as of December 31, 2025

Cell Coverage

4G LTE only, no 5G reported

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