11654 N Cut Rd, Roscommon, MI 48653 Property Records

Roscommon County property record for 11654 N Cut Rd, Roscommon, MI 48653

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 2,308 sqft · built 1997
Lot Size	4.05 acres (176,418 sqft)
Owner	Individual Name on Record
Last Sale	$485,000 (Jun 2021)
Tax Bill	$6,360 (2025)
Deeds & Mortgages	Mar 2023 Refinance Mar 2019 Refinance + 2 more
Flood Zone	Zone X (minimal risk)
APN	`004-003-003-0100`

Property Details

APN / Parcel Number

Primary APN	`004-003-003-0100`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Building Area	2,308 sqft Building Perimeter
1st Floor Area	1,846 sqft
Basement Area	475 sqft
Unfinished Basement	475 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Lot Area	176,418 sqft (4.05 acres)
Garage Area	3,330 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	11654 N CUT RD
City	ROSCOMMON
State	MI
Zip	48653-9340
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	L-953 P-128 (L-776 P-519) 243 11654 N CUT RD COM AT CEN SEC 3 TH S89DEG28'30"E 569.80FT ALG E&W 1/4 LINE TO A FOUND 1/2" BAR
Jurisdiction	ROSCOMMON MI
Township / Civil Division	GERRISH
Census Block Group	3
Census Block	3006
Census Tract	970300

Owner

Source: Roscommon County records, as of June 29, 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	11654 N CUT RD, ROSCOMMON, MI 48653-9340
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 24, 2023	Quit Claim Deed, Transfer · Stand-Alone Refinance FIFTH THIRD BANK
Mar 12, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance MEMBER FIRST MORTGAGE
Dec 2, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance NORTH CENTRAL AREA CREDIT UNION
Jun 10, 2021	Warranty Deed, Transfer · Stand-Alone First Mortgage FIFTH THIRD BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 10, 2021 · Amount on Record
Deed Sale	Jun 10, 2021 · Amount on Record
Deed Document Number	20215486
Deed Book / Page	1177 / 255
Last Transfer Date	Nov 9, 2022
Transfer Doc	01183/2332
Record Updated	Sep 20, 2026

March 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ROSCOMMON MI
Recording Date	Mar 24, 2023
Property Address	11654 N CUT RD, ROSCOMMON, MI 48653-9340
Document Number	01183/2331
Book / Page	1183 / 2331
Instrument Date	Mar 24, 2023
Instrument	202300001929
Transaction Type	Transfer
Record Updated	Apr 12, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11654 N CUT RD, ROSCOMMON, MI 48653-9340

Mortgage

Document Number	01183/2332
Date	Mar 24, 2023
Book Page	1183/2332
Instrument	202300001930

Lender

Name	FIFTH THIRD BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	349 Months
Due	Apr 1, 2052

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROSCOMMON MI
Property Address	11654 N CUT RD, ROSCOMMON, MI 48653-9340
Transaction Type	Mortgage
Record Updated	Jan 17, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	01168/1519
Date	Mar 12, 2019
Book Page	1168/1519
Instrument	201900001207

Lender

Name	MEMBER FIRST MORTGAGE

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	181 Months
Due	Apr 1, 2034

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROSCOMMON MI
Property Address	11654 N CUT RD, ROSCOMMON, MI 48653-9340
Transaction Type	Mortgage
Record Updated	Jan 17, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	01174/2099
Date	Dec 2, 2020
Book Page	1174/2099
Instrument	202000009177

Lender

Name	NORTH CENTRAL AREA CREDIT UNION

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	181 Months
Due	Jan 1, 2036

June 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ROSCOMMON MI
Recording Date	Jun 10, 2021
Property Address	11654 N CUT RD, ROSCOMMON, MI 48653-9340
Document Number	001177/255
Book / Page	1177 / 255
Instrument Date	Jun 7, 2021
Instrument	202100005486
Transaction Type	Transfer
Record Updated	Jan 17, 2022

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	7201 N CENTRAL PARK, SHELBY TOWNSHIP, MI 48317-6358

Mortgage

Document Number	202100005487
Date	Jun 10, 2021
Instrument	202100005487

Lender

Name	FIFTH THIRD BANK
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$358,600 (+49.35%)	$717,200 (+49.35%)
2025	$6,360.00
2023		$240,100	$480,200

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, 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	Moderate above 42% of the US · above 92% of Michigan
Wildfire Likelihood	0.05% 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 10 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20
Bug Tussel Wireless Fixed Wireless	10 / 1

May also be available: AT&T, Frontier, Spectrum.

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