10728 Willows Rd, Roscommon, MI 48653 Property Records

Crawford County property record for 10728 Willows Rd, Roscommon, MI 48653

Property Summary

Property Type	Single Family Home
Details	3 ba · 2,168 sqft · built 1968
Lot Size	40 acres (1,742,400 sqft)
Owner	2 Individual Names on Record
Last Sale	$380,000 (Aug 2021)
Tax Bill	$4,584 (2025)
Deeds & Mortgages	Aug 2021 Sale & Mortgage Jan 2019 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`062-025-009-040-01`

Property Details

APN / Parcel Number

Primary APN	`062-025-009-040-01`

Interior

Full Baths	3 Baths
Building Area	2,168 sqft Living Area
1st Floor Area	1,518 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1968
Effective Year Built	Effective 1968
Architectural Style	Ranch
Lot Area	1,742,400 sqft (40 acres)
Garage Area	1,930 sqft
Parking Spaces	7 Parking Spaces

Utilities, Heating & Cooling

Heating System	Heat Pump

Location & Zoning

Street Address	10728 WILLOWS RD
City	ROSCOMMON
State	MI
Zip	48653-9765
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	NE 1/4 OF SW 1/4 SEC 25, T25N R2W
Legal Range	02W
Legal Township	25N
Legal Section	25
Jurisdiction	CRAWFORD MI
Township / Civil Division	SOUTH BRANCH
Census Block Group	3
Census Block	3119
Census Tract	960400

Owner

Source: Crawford County records, as of June 2, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	10728 WILLOWS RD, ROSCOMMON, MI 48653-9765
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 16, 2021	Warranty Deed, Transfer · Conventional Mortgage LIBERTY HOME LOANS
Jan 2, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance CHEMICAL BANK
Feb 10, 2017	Deed of Trust, Mortgage · Conventional Mortgage CHEMICAL BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 16, 2021 · Amount on Record
Deed Sale	Aug 16, 2021 · Amount on Record
Prior Sale	Mar 25, 2002 · Amount on Record
Deed Book / Page	763 / 946
Record Updated	Sep 20, 2026

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CRAWFORD MI
Recording Date	Aug 16, 2021
Property Address	10728 WILLOWS RD, ROSCOMMON, MI 48653-9765
Document Number	763/946
Book / Page	763 / 946
Instrument Date	Aug 6, 2021
Transaction Type	Transfer
Record Updated	Nov 8, 2021

Transaction

Amount	Amount Recorded
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	147 E M 113, KINGSLEY, MI 49649-9737
Investor	Possibly a Property Investor

Mortgage

Document Number	0000000763/0000000948
Date	Aug 16, 2021
Book Page	0000000763/0000000948

Lender

Name	LIBERTY HOME LOANS

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2051

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CRAWFORD MI
Property Address	10728 WILLOWS RD, ROSCOMMON, MI 48653-9765
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	737/822
Date	Jan 2, 2019
Book Page	737/822

Lender

Name	CHEMICAL BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CRAWFORD MI
Property Address	10728 WILLOWS RD, ROSCOMMON, MI 48653-9765
Transaction Type	Mortgage
Record Updated	Nov 23, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	, R0064072
Date	Feb 10, 2017
Book Page	729/809
Instrument	R0064072

Lender

Name	CHEMICAL BANK
Type	Bank
Address	WYOMING, MI 49519

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

Source: Crawford County assessment roll, as of June 2, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$197,200 Land $37,600 Building $159,600	$394,400 Land $75,200 Building $319,200
2025	$4,584.00

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

Flood

Source: FEMA National Flood Hazard Layer, effective April 17, 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 48% of the US · above 94% of Michigan
Wildfire Likelihood	0.09% 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 1 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30

Cell Coverage

5G and 4G LTE (outdoors only)

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