Charlevoix County property record for 12581 Clover Ln, Charlevoix, MI 49720
| Property Type | Single Family Home |
|---|---|
| Details | 2.5 ba · 1,908 sqft · built 1998 |
| Lot Size | 1.1 acres (47,916 sqft) |
| Owner | Individual Name on File |
| Last Sale | $28,500 (Jun 1998) |
| Tax Bill | $3,953 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 009-110-003-00 |
| Primary APN | 009-110-003-00 |
|---|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Building Area | 1,908 sqft Building Perimeter |
| 1st Floor Area | 1,104 sqft |
| Basement Area | 1,104 sqft |
| Unfinished Basement | 1,104 sqft |
| Year Built | Built 1998 |
|---|---|
| Effective Year Built | Effective 1998 |
| Lot Area | 47,916 sqft (1.1 acres) |
| Garage Area | 472 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 12581 CLOVER LN |
|---|---|
| City | CHARLEVOIX |
| State | MI |
| Zip | 49720-8955 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | CLOVER HILL FARMS UNIT 3 AS RECD L362 P784-830 CHX CO R/D 6.25 |
| Legal Range | 08 |
| Legal Township | 33 |
| Legal Section | 12 |
| Legal Subdivision | CLOVER HILL FARMS |
| Legal Unit | 3 |
| Jurisdiction | CHARLEVOIX MI |
| Township / Civil Division | MARION |
| Census Block Group | 2 |
| Census Block | 2024 |
| Census Tract | 800 |
12581 Clover Ln is owned and occupied by an individual who bought it in June 1998.
Source: Charlevoix County records, as of June 18, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 12581 CLOVER LN, CHARLEVOIX, MI 49720-8955 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 23, 1998 · Amount on File |
| Deed Sale | Jun 23, 1998 · Amount on File |
| Record Updated | Sep 20, 2026 |
The 2025 property tax bill for 12581 Clover Ln was $3,953 with a homeowner's exemption, up 1.2% from the year before.
Source: Charlevoix County assessment roll, as of June 18, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Charlevoix County |
| County Subdivision | Marion Township |
| Unified School District | Charlevoix Public Schools (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $204,900 (+7.45%) | $409,800 (+7.45%) | |
| 2025 | $3,953.00 (+1.23%) Homeowner's exemption | $190,700 | $381,400 |
| 2024 | $3,905.00 | ||
| 2023 | $148,600 | $297,200 | |
| 2022 | $2,612.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 12581 Clover Ln in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective September 15, 2022
| 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 12581 Clover Ln is low, with a 0.01% annual chance of 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 | 0.01% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 18 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Truestream Fiber | 1,000 / 1,000 |
May also be available: Spectrum.
Search by:
By searching, you agree to: Terms • Privacy • Disclosures