1298 Rams Rd, Indian River, MI 49749 Property Records

Cheboygan County property record for 1298 Rams Rd, Indian River, MI 49749

Property Summary

Property Type	Single Family Home
Lot Size	0.5 acres (21,780 sqft)
Owner	Trust Name on Record
Last Sale	$245,000 (Sep 2006)
Tax Bill	$5,194 (2025)
Deeds & Mortgages	Nov 2020 Mortgage Mar 2020 Sale
Flood Zone	Zone X (minimal risk)
APN	`171-009-200-006-00`

Property Details

APN / Parcel Number

Primary APN	`171-009-200-006-00`

Exterior

Lot Area	21,780 sqft (0.5 acres)

Location & Zoning

Street Address	1298 RAMS RD
City	INDIAN RIVER
State	MI
Zip	49749-9540
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BEG AT PT 291.82FT E & 223.83FT S OF NW COR OF SW1/4 OF NE1/4, SEC 9, T35N,R2W; TH S 59D 2M W 192.96FT TO SH OF MULLETT LK;
Legal Range	02W
Legal Township	291
Legal Section	09
Jurisdiction	CHEBOYGAN MI
Township / Civil Division	KOEHLER
Census Block Group	4
Census Block	4010
Census Tract	960500

Owner

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	Trust Name on Record
Mailing Address	15185 FRANCIS RD, LANSING, MI 48906-9320
Owner Type	Individual
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Nov 6, 2020	Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA
Mar 6, 2020	Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 18, 2006 · Amount on Record
Deed Sale	Sep 18, 2006 · Amount on Record
Prior Sale	Sep 18, 2006
Deed Book / Page	1044 / 877
Last Transfer Date	Mar 4, 2020
Transfer Doc	001407/358
Record Updated	Sep 20, 2026

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEBOYGAN MI
Property Address	1298 RAMS RD, INDIAN RIVER, MI 49749-9540
Transaction Type	Mortgage
Record Updated	Jun 16, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1298 RAMS RD, INDIAN RIVER, MI 49749-9540

Mortgage

Document Number	0000001430/0000000508
Date	Nov 6, 2020
Book Page	0000001430/0000000508

Lender

Name	BANK OF AMERICA

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2050

March 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	CHEBOYGAN MI
Recording Date	Mar 6, 2020
Property Address	1298 RAMS RD, INDIAN RIVER, MI 49749-9540
Document Number	001407/358
Book / Page	1407 / 358
Instrument Date	Mar 4, 2020
Transaction Type	Transfer
Record Updated	Jun 16, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15185 FRANCIS RD, LANSING, MI 48906-9320

Tax Assessment & Valuation

Source: Cheboygan County assessment roll, as of June 16, 2026

Property Jurisdictions

Type	Name
State	Michigan
County	Cheboygan County
County Subdivision	Koehler Township
Unified School District	Inland Lakes Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$274,100 (+9.68%)	$548,200 (+9.68%)
2025	$5,194.00 (+2.51%)	$249,900 (+49.02%)	$499,800 (+49.02%)
2024	$5,067.00 (+7.12%)
2023		$167,700	$335,400
2022	$4,730.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

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.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 93% of the US · lower than 83% of Michigan
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 26 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Presque Isle Connect Fiber	1,000 / 1,000
Spectrum Fiber · Cable	1,000 / 1,000

Cell Coverage

5G (outdoors only) and 4G LTE

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