11218 Whisper Dr, Frederic, MI 49733 Property Records

Otsego County property record for 11218 Whisper Dr, Frederic, MI 49733

Property Summary

Property Type	Single Family Home
Lot Size	0.63 acres (27,443 sqft)
Owner	Individual Name on Record
Last Sale	$227,500 (Dec 2024)
Tax Bill	$1,998 (2025)
Deeds & Mortgages	Jun 2017 Mortgage Dec 2017 Sale & Mortgage + 2 more
APN	`091-200-000-321-00`

Property Details

APN / Parcel Number

Primary APN	`091-200-000-321-00`

Exterior

Lot Area	27,443 sqft (0.63 acres)

Location & Zoning

Street Address	11218 WHISPER DR
City	FREDERIC
State	MI
Zip	49733-9592
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 321 ENCHANTED FOREST NO. 2 SEC 36 T29N R3W
Legal Range	03W
Legal Township	29N
Legal Section	36
Legal Subdivision	ENCHANTED FOREST SUB
Legal Lot Number	321
Jurisdiction	OTSEGO MI
Township / Civil Division	OTSEGO LAKE
Census Block Group	1
Census Block	1131
Census Tract	950400

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	Individual Name on Record
Mailing Address	420 N HAZEL AVE, GAYLORD, MI 49735-1608
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 29, 2017	Deed of Trust, Mortgage WINDEMERE INVESTMENTS LLC
Dec 4, 2017	Warranty Deed, Transfer AMERIFIRST FINANCIAL CORPORATION
Jul 19, 2017	Warranty Deed, Transfer
Jun 30, 2017	Sheriff's Deed, Foreclosure Foreclosure Auction

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 10, 2024 · Amount on Record
Deed Sale	Dec 10, 2024 · Amount on Record
Prior Sale	Nov 8, 2024 · Amount on Record
Deed Book / Page	1671 / 150
Prior Transfer Date	Sep 26, 2024
Prior Transfer Doc	001669/275
Record Updated	Oct 29, 2026

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OTSEGO MI
Property Address	11218 WHISPER DR, FREDERIC, MI 49733-9592
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1435/0317
Date	Jun 29, 2017
Book Page	1435/0317

Lender

Name	WINDEMERE INVESTMENTS LLC
Address	DEBARY, FL 32713

Agreement

Amount	Amount Recorded

December 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OTSEGO MI
Recording Date	Dec 4, 2017
Property Address	11218 WHISPER DR, FREDERIC, MI 49733-9592
Document Number	1448/0359
Book / Page	1448 / 0359
Instrument Date	Dec 1, 2017
Transaction Type	Transfer
Record Updated	Dec 3, 2021

Transaction

Amount	Amount Recorded
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
Address	3511 OLD US HIGHWAY 27 S, 3511, GAYLORD, MI 49735-8487

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	533 E HURON ST, GAYLORD, MI 49735-1601

Mortgage

Document Number	1448/0360
Date	Dec 4, 2017
Book Page	1448/0360

Lender

Name	AMERIFIRST FINANCIAL CORPORATION
Type	Funding / Finance Company
Address	PORTAGE, MI 49002

Agreement

Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2048

July 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OTSEGO MI
Recording Date	Jul 19, 2017
Property Address	11218 WHISPER DR, FREDERIC, MI 49733-9592
Document Number	1436/0913
Book / Page	1436 / 0913
Instrument Date	Jun 28, 2017
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
Address	26390 EASTGATE BLVD, 26390, ROSEVILLE, MI 48066-5106

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3511 OLD US HIGHWAY 27 S, GAYLORD, MI 49735-8487

June 2017: Sheriff's Deed, Foreclosure

Document Type	Sheriff's Deed
Jurisdiction	OTSEGO MI
Recording Date	Jun 30, 2017
Property Address	11218 WHISPER DR, FREDERIC, MI 49733-9592
Document Number	1435/0522
Book / Page	1435 / 0522
Instrument Date	Jun 8, 2017
Transaction Type	Foreclosure
Record Updated	Dec 3, 2021

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Foreclosure Auction

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3511 OLD US HIGHWAY 27 S, GAYLORD, MI 49735-8487

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		$86,600 (-)	$173,200 (-)
2025	$1,998.00 (+127.05%) Homeowner's exemption	$86,600 (+50.87%)	$173,200 (+50.87%)
2024	$880.00 (+3.9%)
2023		$57,400	$114,800
2022	$847.00

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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	0.02% 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 46 locations within half a mile, as of December 31, 2025

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

Cell Coverage

4G LTE (outdoors only), no 5G reported

Nearby Properties on Whisper Dr

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