10922 Sherman Rd, Frederic, MI 49733 Property Records

Otsego County property record for 10922 Sherman Rd, Frederic, MI 49733

Property Summary

Property Type	Single Family Home
Lot Size	2.69 acres (117,176 sqft)
Owner	2 Individual Names on Record
Last Sale	$123,000 (Jun 2018)
Tax Bill	$2,295 (2025)
Deeds & Mortgages	Sep 2022 Mortgage Sep 2022 Mortgage + 2 more
APN	`090-028-400-005-06`

Property Details

APN / Parcel Number

Primary APN	`090-028-400-005-06`

Exterior

Lot Area	117,176 sqft (2.69 acres)

Location & Zoning

Street Address	10922 SHERMAN RD
City	FREDERIC
State	MI
Zip	49733
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PARCEL E PART OF SE 1/4 SEC 28; COM AT SE COR N01D 30M 22S E 330 FT ALG E LN TO POB, N88D 09M 17 S W 615.53 FT, N00D 42M 45S
Jurisdiction	OTSEGO MI
Township / Civil Division	OTSEGO LAKE
Census Block Group	2
Census Block	2069
Census Tract	950600

Owner

Source: Otsego County records, as of October 22, 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	10922 SHERMAN RD, FREDERIC, MI 49733
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 15, 2022	Deed of Trust, Mortgage · Conventional Mortgage FRANKENMUTH CREDIT UNION
Sep 8, 2022	Deed of Trust, Mortgage · Conventional Mortgage FRANKENMUTH FEDERAL CREDIT UNION
Jun 8, 2018	Deed of Trust, Mortgage AMERIFIRST FINANCIAL
Jun 8, 2018	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 8, 2018 · Amount on Record
Deed Sale	Jun 8, 2018 · Amount on Record
Prior Sale	Sep 13, 2005 · Amount on Record
Deed Book / Page	1461 / 733
Record Updated	Oct 29, 2026

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OTSEGO MI
Property Address	10922 SHERMAN RD, FREDERIC, MI 49733
Transaction Type	Mortgage
Record Updated	Oct 4, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10922 SHERMAN RD, FREDERIC, MI 49733

Mortgage

Document Number	0000001613/0000000344
Date	Sep 15, 2022
Book Page	0000001613/0000000344

Lender

Name	FRANKENMUTH CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2052

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OTSEGO MI
Property Address	10922 SHERMAN RD, FREDERIC, MI 49733
Transaction Type	Mortgage
Record Updated	Sep 23, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10922 SHERMAN RD, FREDERIC, MI 49733

Mortgage

Document Number	0000001612/0000000917
Date	Sep 8, 2022
Book Page	0000001612/0000000917

Lender

Name	FRANKENMUTH FEDERAL CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Jan 1, 2042

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OTSEGO MI
Property Address	10922 SHERMAN RD, FREDERIC, MI 49733
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000001461/0000000734
Date	Jun 8, 2018
Book Page	0000001461/0000000734

Lender

Name	AMERIFIRST FINANCIAL
Type	Funding / Finance Company

Agreement

Amount	Amount Recorded
Term	355 Months
Due	Jan 1, 2048

June 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OTSEGO MI
Recording Date	Jun 8, 2018
Property Address	10922 SHERMAN RD, FREDERIC, MI 49733
Document Number	1461/733
Book / Page	1461 / 733
Instrument Date	Jun 6, 2018
Transaction Type	Transfer
Record Updated	Dec 3, 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	1715 MCKINLEY ST, BAY CITY, MI 48708-6733

Tax Assessment & Valuation

Source: Otsego County assessment roll, as of October 22, 2026

Property Jurisdictions

Type	Name
State	Michigan
County	Otsego County
County Subdivision	Otsego Lake Township
Unified School District	Gaylord Community Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$152,300 (+5.4%)	$304,600 (+5.4%)
2025	$2,295.00 (+19.59%) Homeowner's exemption	$144,500 (+10.98%)	$289,000 (+10.98%)
2024	$1,919.00 (+3.9%)
2023		$130,200	$260,400
2022	$1,847.00

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

FEMA Flood Zone	Not on file

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	0.04% 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 13 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Truestream Fiber	1,000 / 1,000

Cell Coverage

5G and 4G LTE (outdoors only)

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