Roscommon County property record for 114 Oak Dr, Roscommon, MI 48653
| Property Type | Single Family Home |
|---|---|
| Details | 1.5 ba · 1,180 sqft · built 1950 |
| Lot Size | 1.04 acres (45,302 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $985 (2025) |
| Deeds & Mortgages | Sep 2026 Mortgage Aug 2023 Refinance + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 055-450-011-0000 |
| Primary APN | 055-450-011-0000 |
|---|
| Full Baths | 1.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Building Area | 1,180 sqft Building Perimeter |
| 1st Floor Area | 1,180 sqft |
| Fireplaces | 2 Fireplaces |
| Fireplace | Fireplace |
| Year Built | Built 1950 |
|---|---|
| Effective Year Built | Effective 1950 |
| Lot Area | 45,302 sqft (1.04 acres) |
| Garage Area | 480 sqft |
| Heating System | Forced Air with A/C |
|---|
| Street Address | 114 OAK DR |
|---|---|
| City | ROSCOMMON |
| State | MI |
| Zip | 48653-8519 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | L-1041 P-2289 (L-756 P-562-563) 242 114 OAK ST LOTS 11 & 12 THE KELSEY ADDITION TO ROSCOMMON |
| Legal Subdivision | KELSEY ADDITION |
| Legal Lot Number | 11-12 |
| Jurisdiction | ROSCOMMON MI |
| Township / Civil Division | HIGGINS |
| Census Block Group | 2 |
| Census Block | 2029 |
| Census Tract | 970300 |
114 Oak Dr is owned and occupied by two individuals who acquired it in September 2026.
Source: Roscommon County records, as of October 6, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 114 OAK DR, ROSCOMMON, MI 48653-8519 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Sep 29, 2026 | Quit Claim Deed, Transfer · Conventional Mortgage CENTRAL CREDIT UNION |
| Aug 10, 2023 | Deed of Trust, Mortgage · Stand-Alone Refinance NORTH CENTRAL AREA CREDIT UNION |
| Jan 4, 2018 | Deed of Trust, Mortgage · Conventional Mortgage MEMBER FIRST MORTGAGE LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | Sep 18, 2026 |
| Transfer Doc | 0000006846 |
| Record Updated | Oct 29, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | ROSCOMMON MI |
| Recording Date | Sep 29, 2026 |
| Property Address | 114 OAK DR, ROSCOMMON, MI 48653-8519 |
| Document Number | 0000006846 |
| Book / Page | 1194 / 1942 |
| Instrument Date | Sep 18, 2026 |
| Instrument | 20266846 |
| Transaction Type | Transfer |
| Record Updated | Oct 6, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 114 OAK DR, ROSCOMMON, MI 48653-8519 |
| Document Number | 0000006847, |
|---|---|
| Date | Sep 29, 2026 |
| Instrument | 20266847 |
| Name | CENTRAL CREDIT UNION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ROSCOMMON MI |
| Property Address | 114 OAK DR, ROSCOMMON, MI 48653-8519 |
| Transaction Type | Mortgage |
| Record Updated | Aug 30, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0001185/69 |
|---|---|
| Date | Aug 10, 2023 |
| Book Page | 1185/69 |
| Instrument | 202300005099 |
| Name | NORTH CENTRAL AREA CREDIT UNION |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Sep 1, 2038 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ROSCOMMON MI |
| Property Address | 114 OAK DR, ROSCOMMON, MI 48653-8519 |
| Transaction Type | Mortgage |
| Record Updated | Jan 10, 2018 |
| Name | Verified Name |
|---|
| Document Number | , 201800000067 |
|---|---|
| Date | Jan 4, 2018 |
| Book Page | 1164/1517 |
| Instrument | 201800000067 |
| Name | MEMBER FIRST MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | GRAND RAPIDS, MI 49548 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Feb 1, 2033 |
The 2025 property tax bill for 114 Oak Dr was $985 with a homeowner's exemption.
Source: Roscommon County assessment roll, as of June 29, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Roscommon County |
| County Subdivision | Higgins Township |
| Municipality | Roscommon Village |
| Unified School District | Roscommon Area Public Schools (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $41,600 (+11.83%) | $83,200 (+11.83%) | |
| 2025 | $985.00 Homeowner's exemption | $37,200 | $74,400 |
| 2023 | $40,200 | $80,400 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 114 Oak Dr in Zone X, an area of minimal flood risk.
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 risk around 114 Oak Dr is moderate, ranking above 44% of the US, with a 0.08% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 44% of the US · above 93% of Michigan |
|---|---|
| Wildfire Likelihood | 0.08% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 99 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
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