109 N 3rd St, Roscommon, MI 48653 Property Records

Roscommon County property record for 109 N 3rd St, Roscommon, MI 48653

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,461 sqft · built 1946
Lot Size	0.3 acres (13,068 sqft)
Owner	Individual Name on Record
Last Sale	$50,000 (Nov 2023)
Tax Bill	$1,141 (2025)
Deeds & Mortgages	Nov 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`055-710-005-0000`

Property Details

APN / Parcel Number

Primary APN	`055-710-005-0000`

Interior

Full Baths	1 Bath
Building Area	1,461 sqft Building Perimeter
1st Floor Area	1,461 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1946
Effective Year Built	Effective 1946
Lot Area	13,068 sqft (0.3 acres)

Utilities, Heating & Cooling

Heating System	Floor/Wall Furnace

Location & Zoning

Street Address	109 N 3RD ST
City	ROSCOMMON
State	MI
Zip	48653-7407
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	L-717 P-419 242 109 N THIRD ST LOTS 5 & 6 BLK 10 ROBINSON'S PLAT OF THE VILLAGE OF ROSCOMMON.
Legal Block	10
Legal Lot Number	5-6
Jurisdiction	ROSCOMMON MI
Township / Civil Division	HIGGINS
Census Block Group	2
Census Block	2028
Census Tract	970300

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	109 N 3RD ST, ROSCOMMON, MI 48653-7407
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 2, 2023 · Amount on Record
Deed Sale	Nov 2, 2023 · Amount on Record
Deed Document Number	20236996
Deed Book / Page	1185 / 1966
Record Updated	Sep 20, 2026

November 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ROSCOMMON MI
Recording Date	Nov 2, 2023
Property Address	109 N 3RD ST, ROSCOMMON, MI 48653-7407
Document Number	01185/1966
Book / Page	1185 / 1966
Instrument Date	Oct 27, 2023
Instrument	202300006996
Transaction Type	Transfer
Record Updated	Apr 3, 2026

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 Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	109 N 3RD ST, ROSCOMMON, MI 48653-7407
Investor	Possibly a Property Investor

Mortgage

Document Number	202300006997
Date	Nov 2, 2023
Instrument	202300006997

Lender

Name	GOLD STAR MORTGAGE GROUP

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2053

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$38,600 (+6.34%)	$77,200 (+6.34%)
2025	$1,141.00
2023		$36,300	$72,600

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 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

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	0.02% annual chance
Exposure	Indirect within ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	VILLAGE OF ROSCOMMON serves 1,075 people · EPA ID MI0005810
Water Source	Groundwater
Last State Inspection	Dec 2025
Lead	2 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 188 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20