1509 E Higgins Lake Dr, Roscommon, MI 48653 Property Records

Roscommon County property record for 1509 E Higgins Lake Dr, Roscommon, MI 48653

Property Summary

Property Type	Single Family Home
Details	1.5 ba · 2,584 sqft · built 1930
Lot Size	2.97 acres (129,373 sqft)
Owner	Individual Name on File
Tax Bill	$15,779 (2025)
Deeds & Mortgages	Dec 2009 Mortgage Jan 2022 Refinance + 5 more
Flood Zone	Zone X (minimal risk)
APN	`004-105-129-0000`

Property Details

APN / Parcel Number

Primary APN	`004-105-129-0000`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Building Area	2,584 sqft Building Perimeter
1st Floor Area	1,632 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1930
Effective Year Built	Effective 1930
Lot Area	129,373 sqft (2.97 acres)
Garage Area	528 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	1509 E HIGGINS LAKE DR
City	ROSCOMMON
State	MI
Zip	48653-7614
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	L-1040 P-480 (L-493 P-57) 243 1509 E HIGGINS LK COM AT 1/4 COR COM TO SEC 27 & 34 T24N R3W TH N 0 DEG 49' E ALG 1/4 LINE 83.1
Legal Subdivision	ALMEDA BEACH
Legal Lot Number	129
Jurisdiction	ROSCOMMON MI
Township / Civil Division	GERRISH
Census Block Group	1
Census Block	1085
Census Tract	970401

Owner

1509 E Higgins Lake Dr is owned and occupied by an individual who acquired it in August 2021.

Source: Roscommon County records, as of June 29, 2026

Owner of Record	Individual Name on File
Mailing Address	3221 TRADITION CIR, MOUNT PLEASANT, SC 29466-7154
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.

Deeds, Mortgages & Sale History

Date	Document
Dec 21, 2009	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS INC
Jan 18, 2022	Quit Claim Deed, Transfer · Stand-Alone Refinance EMORTGAGE FUNDING LLC
Sep 17, 2019	Quit Claim Deed, Transfer Quitclaim
Sep 17, 2019	Quit Claim Deed, Transfer Quitclaim
Dec 21, 2009	Intrafamily Transfer, Transfer
Dec 21, 2009	Intrafamily Transfer, Transfer
Mar 3, 2006	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Aug 16, 2021
Transfer Doc	01179/1381
Record Updated	Sep 20, 2026

December 2009: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROSCOMMON MI
Property Address	1509 E HIGGINS LAKE DR, ROSCOMMON, MI 48653-7614
Transaction Type	Mortgage
Record Updated	Jun 29, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	01089/1349
Date	Dec 21, 2009
Book Page	1089/1349
Instrument	20090008286

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution
Address	LIVONIA, MI 48152

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2039

January 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ROSCOMMON MI
Recording Date	Jan 18, 2022
Property Address	1509 E HIGGINS LAKE DR, ROSCOMMON, MI 48653-7614
Document Number	01179/1381
Book / Page	1179 / 1381
Instrument Date	Aug 20, 2021
Instrument	202200000372
Transaction Type	Transfer
Record Updated	Jun 29, 2026

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	1509 E HIGGINS LAKE DR, ROSCOMMON, MI 48653-7614

Mortgage

Document Number	202200000373
Date	Jan 18, 2022
Instrument	202200000373

Lender

Name	EMORTGAGE FUNDING LLC

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	349 Months
Due	Feb 1, 2051

September 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ROSCOMMON MI
Recording Date	Sep 17, 2019
Property Address	1509 E HIGGINS LAKE DR, ROSCOMMON, MI 48653-7614
Document Number	01170/1400
Book / Page	1170 / 1400
Instrument Date	Sep 10, 2019
Instrument	201900006488
Transaction Type	Transfer
Record Updated	Jun 29, 2026

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	1000 TRINITY CT, MIDLAND, MI 48640-3467

September 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ROSCOMMON MI
Recording Date	Sep 17, 2019
Property Address	1509 E HIGGINS LAKE DR, ROSCOMMON, MI 48653-7614
Document Number	01170/1402
Book / Page	1170 / 1402
Instrument Date	Sep 10, 2019
Instrument	201900006490
Transaction Type	Transfer
Record Updated	Jun 29, 2026

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	4030 HOPPE RD, GAGETOWN, MI 48735-9754

December 2009: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ROSCOMMON MI
Recording Date	Dec 21, 2009
Property Address	1509 E HIGGINS LAKE DR, ROSCOMMON, MI 48653-7614
Document Number	01089/1367
Book / Page	1089 / 1367
Instrument Date	Nov 4, 2009
Instrument	200900008287
Transaction Type	Transfer
Record Updated	Jun 29, 2026

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1509 E HIGGINS LAKE DR, ROSCOMMON, MI 48653-7614

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1509 E HIGGINS LAKE DR, ROSCOMMON, MI 48653-7614

December 2009: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ROSCOMMON MI
Recording Date	Dec 21, 2009
Property Address	1509 E HIGGINS LAKE DR, ROSCOMMON, MI 48653-7614
Document Number	01089/1344
Book / Page	1089 / 1344
Instrument Date	Nov 4, 2009
Instrument	200900008285
Transaction Type	Transfer
Record Updated	Jun 29, 2026

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1509 E HIGGINS LAKE DR, ROSCOMMON, MI 48653-7614

March 2006: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ROSCOMMON MI
Recording Date	Mar 3, 2006
Property Address	1509 E HIGGINS LAKE DR, ROSCOMMON, MI 48653-7614
Document Number	01040/0480
Book / Page	1040 / 0480
Instrument Date	Feb 22, 2006
Instrument	200600001613
Transaction Type	Transfer
Record Updated	Jun 29, 2026

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1000 TRINITY CT, MIDLAND, MI 48640-3467

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4030 HOPPE RD, GAGETOWN, MI 48735-9754

Tax Assessment & Valuation

The 2025 property tax bill for 1509 E Higgins Lake Dr was $15,779 with a homeowner's exemption.

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		$628,700 (+15.42%)	$1,257,400 (+15.42%)
2025	$15,779.00	$544,700	$1,089,400
2023		$438,000	$876,000

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

Flood

FEMA maps place 1509 E Higgins Lake Dr in Zone X, an area of minimal flood risk.

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

Wildfire risk around 1509 E Higgins Lake Dr 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 54 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35

Cell Coverage

5G (outdoors only) and 4G LTE

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