Cheboygan County property record for 1236 Rams Rd, Indian River, MI 49749
| Property Type | Single Family Home |
|---|---|
| Lot Size | 0.39 acres (16,988 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $207,000 (Sep 2005) |
| Tax Bill | $7,581 (2025) |
| Deeds & Mortgages | Dec 2025 Sale Nov 2023 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 171-009-200-003-04 |
| Primary APN | 171-009-200-003-04 |
|---|
| Lot Area | 16,988 sqft (0.39 acres) |
|---|
| Street Address | 1236 RAMS RD |
|---|---|
| City | INDIAN RIVER |
| State | MI |
| Zip | 49749 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | BEG SW COR LOT 13, STUARTS SANDY BEACH; TH N 89D 1M E 242.3FT; TH S 1D 5M E 70FT TO POB; TH S 1D 5M E 70FT; TH S 89D 1M W TO |
| Legal Range | 02W |
| Legal Township | 013 |
| Legal Section | 09 |
| Legal Subdivision | STUARTS SANDY BEACH |
| Legal Lot Number | 13 |
| Jurisdiction | CHEBOYGAN MI |
| Township / Civil Division | KOEHLER |
| Census Block Group | 4 |
| Census Block | 4010 |
| Census Tract | 960500 |
Source: Cheboygan County records, as of June 16, 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 | 6380 W HOWE RD, DEWITT, MI 48820-7803 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 5, 2025 | Warranty Deed, Transfer |
| Nov 27, 2023 | Deed of Trust, Mortgage · Conventional Mortgage CITIZENS NATIONAL BANK OF CHEBOYGAN |
| Mar 2, 2020 | Deed of Trust, Mortgage · Conventional Mortgage CITIZENS NATIONAL BANK OF CHEBOYGAN |
| Mar 24, 2020 | Deed, Transfer |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 2, 2005 · Amount on Record |
| Deed Sale | Sep 2, 2005 · Amount on Record |
| Deed Book / Page | 1003 / 691 |
| Last Transfer Date | Oct 21, 2025 |
| Transfer Doc | 001570/814 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CHEBOYGAN MI |
| Recording Date | Dec 5, 2025 |
| Property Address | 1236 RAMS RD, INDIAN RIVER, MI 49749-9540 |
| Document Number | 001570/814 |
| Book / Page | 1570 / 814 |
| Instrument Date | Oct 21, 2025 |
| Transaction Type | Transfer |
| Record Updated | Dec 15, 2025 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 6380 W HOWE RD, DEWITT, MI 48820-7803 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHEBOYGAN MI |
| Property Address | 1236 RAMS RD, INDIAN RIVER, MI 49749-9540 |
| Transaction Type | Mortgage |
| Record Updated | Dec 8, 2023 |
| Name | Verified Name |
|---|---|
| Address | 1236 RAMS RD, INDIAN RIVER, MI 49749-9540 |
| Document Number | 0000001520/0000000706 |
|---|---|
| Date | Nov 27, 2023 |
| Book Page | 0000001520/0000000706 |
| Name | CITIZENS NATIONAL BANK OF CHEBOYGAN |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | Jan 1, 2048 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHEBOYGAN MI |
| Property Address | 1236 RAMS RD, INDIAN RIVER, MI 49749-9540 |
| Transaction Type | Mortgage |
| Record Updated | Jun 16, 2022 |
| Name | Verified Name |
|---|---|
| Address | 1236 RAMS RD, INDIAN RIVER, MI 49749-9540 |
| Document Number | 0000001407/0000000031 |
|---|---|
| Date | Mar 2, 2020 |
| Book Page | 0000001407/0000000031 |
| Name | CITIZENS NATIONAL BANK OF CHEBOYGAN |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Jan 1, 2040 |
| Document Type | Deed |
|---|---|
| Jurisdiction | CHEBOYGAN MI |
| Recording Date | Mar 24, 2020 |
| Property Address | 1236 RAMS RD, INDIAN RIVER, MI 49749-9540 |
| Document Number | 001408/372 |
| Book / Page | 1408 / 372 |
| Instrument Date | Mar 19, 2020 |
| Transaction Type | Transfer |
| Record Updated | Nov 16, 2022 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 6380 W HOWE RD, DEWITT, MI 48820-7803 |
Source: Cheboygan County assessment roll, as of June 16, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Cheboygan County |
| County Subdivision | Koehler Township |
| Unified School District | Inland Lakes Schools (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $470,100 (+6.7%) | $940,200 (+6.7%) | |
| 2025 | $7,581.00 (+2.53%) | $440,600 (+78.24%) | $881,200 (+78.24%) |
| 2024 | $7,394.00 (+7.14%) | ||
| 2023 | $247,200 | $494,400 | |
| 2022 | $6,901.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective July 20, 2022 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone A, within 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 1 in force |
| Nearby Flood Claims | 1 (2026) |
| Most Recent Claim | Apr 2026 · Severe Storms, Tornadoes, And Flooding |
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 51 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Presque Isle Connect Fiber | 1,000 / 1,000 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
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