Roscommon County property record for 146 Flagpoint Ave, Roscommon, MI 48653 · Last verified July 2026
| Property Type | Single Family Home |
|---|---|
| Details | 6,500 sqft · built 1997 |
| Lot Size | 4.04 acres (175,982 sqft) |
| Owner | Individual Name on File |
| Last Sale | $1,999,999 (Jul 2021) |
| Tax Bill | $23,137 (2025) |
| Deeds & Mortgages | Mar 2026 Mortgage Feb 2024 Refinance + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 004-016-009-0100 |
| Primary APN | 004-016-009-0100 |
|---|
| Building Area | 6,500 sqft Building Perimeter |
|---|
| Year Built | Built 1997 |
|---|---|
| Effective Year Built | Effective 1997 |
| Lot Area | 175,982 sqft (4.04 acres) |
| Street Address | 146 FLAGPOINT AVE |
|---|---|
| City | ROSCOMMON |
| State | MI |
| Zip | 48653-8963 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | L-935 P-531 (L-765 L-370) 243 146 FLAG POINT E 127 FT OF W 627 FT OF GOVT LOT 4 SEC 16 T24N R3W EXC HWY R/W. |
| Legal Lot Number | 4 |
| Jurisdiction | ROSCOMMON MI |
| Township / Civil Division | GERRISH |
| Census Block Group | 1 |
| Census Block | 1039 |
| Census Tract | 970401 |
Source: Roscommon County records · APN 004-016-009-0100
Assessment roll updated June 29, 2026 · Last verified July 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 File |
|---|---|
| Mailing Address | 146 FLAGPOINT AVE, ROSCOMMON, MI 48653-8963 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 27, 2026 | Deed of Trust, Mortgage FIRST STATE BANK |
| Feb 06, 2024 | Deed of Trust, Mortgage · Stand-Alone Refinance FIRST STATE BANK |
| Mar 30, 2022 | Deed of Trust, Mortgage · Stand-Alone Refinance FIRST STATE BANK |
| Jul 06, 2021 | Warranty Deed, Transfer · Stand-Alone First Mortgage CARDINAL FINANCIAL COMPANY LP |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Jul 06, 2021 · Amount on Record |
| Deed Sale | Jul 06, 2021 · Amount on Record |
| Deed Document Number | 20216193 |
| Deed Book / Page | 1177 / 962 |
| Prior Transfer Date | Aug 02, 2010 |
| Prior Transfer Doc | 01095/2210 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ROSCOMMON MI |
| Property Address | 146 FLAGPOINT AVE, ROSCOMMON, MI 48653-8963 |
| Transaction Type | Mortgage |
| Record Updated | Apr 15, 2026 |
| Name | Verified Name |
|---|
| Document Number | 01193/0130 |
|---|---|
| Date | Mar 27, 2026 |
| Book Page | 1193/0130 |
| Instrument | 202600002335 |
| Name | FIRST STATE BANK |
|---|
| Amount | Amount Recorded |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ROSCOMMON MI |
| Property Address | 146 FLAGPOINT AVE, ROSCOMMON, MI 48653-8963 |
| Transaction Type | Mortgage |
| Record Updated | Feb 28, 2024 |
| Name | Verified Name |
|---|
| Document Number | 001186/755 |
|---|---|
| Date | Feb 06, 2024 |
| Book Page | 1186/755 |
| Instrument | 202400000533 |
| Name | FIRST STATE BANK |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ROSCOMMON MI |
| Property Address | 146 FLAGPOINT AVE, ROSCOMMON, MI 48653-8963 |
| Transaction Type | Mortgage |
| Record Updated | Apr 19, 2022 |
| Name | Verified Name |
|---|
| Document Number | 001180/970 |
|---|---|
| Date | Mar 30, 2022 |
| Book Page | 1180/970 |
| Instrument | 202200002661 |
| Name | FIRST STATE BANK |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ROSCOMMON MI |
| Recording Date | Jul 06, 2021 |
| Property Address | 146 FLAGPOINT AVE, ROSCOMMON, MI 48653-8963 |
| Document Number | 001177/962 |
| Book / Page | 1177 / 962 |
| Instrument Date | Jul 02, 2021 |
| Instrument | 202100006193 |
| Transaction Type | Transfer |
| Record Updated | Jan 17, 2022 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1111 N WATER ST STE 302, 302, BAY CITY, MI 48708-5674 |
| Document Number | 202100006194 |
|---|---|
| Date | Jul 06, 2021 |
| Instrument | 202100006194 |
| Name | CARDINAL FINANCIAL COMPANY LP |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
Source: Roscommon County records · Assessment roll updated June 29, 2026 · Last verified July 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Roscommon County |
| County Subdivision | Gerrish Township |
| Unified School District | Roscommon Area Public Schools (KG - 12) |
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.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $1,431,000 (+18.31%) | $2,862,000 (+18.31%) | |
| 2025 | $23,137.00 Homeowner's exemption | $1,209,500 (+28.08%) | $2,419,000 (+28.08%) |
| 2023 | $944,300 | $1,888,600 |
Source: FEMA National Flood Hazard Layer, Roscommon County (26143C), updated January 18, 2012 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Wildfire Risk | Low above 20% of the US · above 52% of Michigan |
|---|---|
| Wildfire Likelihood | About 1 in 10,000 per year |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
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