Roscommon County property record for 154 Surfside Dr, Roscommon, MI 48653
| Property Type | Single Family Home |
|---|---|
| Details | 1 ba · 1,395 sqft · built 2003 |
| Lot Size | 0.29 acres (12,632 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $178,000 (May 2016) |
| Tax Bill | $3,681 (2025) |
| Deeds & Mortgages | Mar 2025 Refinance Apr 2021 Refinance + 7 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 004-630-025-0000 |
| Primary APN | 004-630-025-0000 |
|---|
| Full Baths | 1 Bath |
|---|---|
| Building Area | 1,395 sqft Building Perimeter |
| 1st Floor Area | 930 sqft |
| Year Built | Built 2003 |
|---|---|
| Effective Year Built | Effective 2003 |
| Lot Area | 12,632 sqft (0.29 acres) |
| Garage Area | 624 sqft |
| Heating System | Forced Air with A/C |
|---|
| Street Address | 154 SURFSIDE DR |
|---|---|
| City | ROSCOMMON |
| State | MI |
| Zip | 48653-9241 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | L-553 P-9 243 LOT 25 SURF SIDE SHORES. |
| Legal Subdivision | SURF SIDE SHORES |
| Legal Lot Number | 25 |
| Jurisdiction | ROSCOMMON MI |
| Township / Civil Division | GERRISH |
| Census Block Group | 1 |
| Census Block | 1081 |
| Census Tract | 970401 |
Source: Roscommon County records, as of June 29, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 154 SURFSIDE DR, ROSCOMMON, MI 48653-9241 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 19, 2025 | Deed of Trust, Mortgage · Stand-Alone Refinance THE HUNTINGTON NATIONAL BANK |
| Apr 12, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance FIRST STATE BANK |
| Aug 13, 2020 | Deed of Trust, Mortgage · Stand-Alone Refinance FIRST STATE BANK |
| Apr 12, 2021 | Quit Claim Deed, Transfer Quitclaim |
| Aug 13, 2020 | Deed of Trust, Mortgage · Stand-Alone Refinance FIRST STATE BANK |
| Jun 20, 2016 | Intrafamily Transfer, Transfer WEST MI REALTORS TITLE, WEST MICHIGAN REALTORS TITLE |
| May 18, 2016 | Warranty Deed, Transfer · Conventional Mortgage LAKE MICHIGAN CU |
| Sep 16, 2011 | Intrafamily Transfer, Transfer |
| Sep 16, 2011 | Warranty Deed, Transfer · Conventional Mortgage GOLD STAR MORTGAGE FINANCIAL GROUP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 18, 2016 · Amount on Record |
| Deed Sale | May 18, 2016 · Amount on Record |
| Prior Sale | Sep 16, 2011 · Amount on Record |
| Deed Document Number | 20163675 |
| Deed Book / Page | 1158 / 2634 |
| Last Transfer Date | Apr 8, 2021 |
| Transfer Doc | 1176/919 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ROSCOMMON MI |
| Property Address | 154 SURFSIDE DR, ROSCOMMON, MI 48653-9241 |
| Transaction Type | Mortgage |
| Record Updated | Jun 29, 2026 |
| Name | Verified Name |
|---|
| Document Number | 01189/1414 |
|---|---|
| Date | Mar 19, 2025 |
| Book Page | 1189/1414 |
| Instrument | 202500001384 |
| Name | THE HUNTINGTON NATIONAL BANK |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2055 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ROSCOMMON MI |
| Property Address | 154 SURFSIDE DR, ROSCOMMON, MI 48653-9241 |
| Transaction Type | Mortgage |
| Record Updated | Jun 29, 2026 |
| Name | Verified Name |
|---|
| Document Number | 001176/920 |
|---|---|
| Date | Apr 12, 2021 |
| Book Page | 1176/920 |
| Instrument | 202100003452 |
| Name | FIRST STATE BANK |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ROSCOMMON MI |
| Property Address | 154 SURFSIDE DR, ROSCOMMON, MI 48653-9241 |
| Transaction Type | Mortgage |
| Record Updated | Jun 29, 2026 |
| Name | Verified Name |
|---|
| Document Number | 01173/1382 |
|---|---|
| Date | Aug 13, 2020 |
| Book Page | 1173/1382 |
| Instrument | 202000005748 |
| Name | FIRST STATE BANK |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 1, 2050 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | ROSCOMMON MI |
| Recording Date | Apr 12, 2021 |
| Property Address | 154 SURFSIDE DR, ROSCOMMON, MI 48653-9241 |
| Document Number | 001176/919 |
| Book / Page | 1176 / 919 |
| Instrument Date | Apr 8, 2021 |
| Instrument | 202100003451 |
| Transaction Type | Transfer |
| Record Updated | Jun 29, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1839 GLENDALE AVE, SAGINAW, MI 48638-4055 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ROSCOMMON MI |
| Property Address | 154 SURFSIDE DR, ROSCOMMON, MI 48653-9241 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 1173/1382 |
|---|---|
| Date | Aug 13, 2020 |
| Book Page | 1173/1382 |
| Instrument | 202000005748 |
| Name | FIRST STATE BANK |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 1, 2050 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | ROSCOMMON MI |
| Recording Date | Jun 20, 2016 |
| Property Address | 154 SURFSIDE DR, ROSCOMMON, MI 48653-9241 |
| Document Number | 01159/0693 |
| Book / Page | 1159 / 0693 |
| Map Reference | LB 6 PG 55 |
| Instrument Date | Jun 15, 2016 |
| Instrument | 201600004433 |
| Transaction Type | Transfer |
| Record Updated | Jun 29, 2026 |
| Title Company | WEST MI REALTORS TITLE, WEST MICHIGAN REALTORS TITLE |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1291 S ORR RD, HEMLOCK, MI 48626-9484 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 1291 S ORR RD, HEMLOCK, MI 48626-9484 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ROSCOMMON MI |
| Recording Date | May 18, 2016 |
| Property Address | 154 SURFSIDE DR, ROSCOMMON, MI 48653-9241 |
| Document Number | 01158/2634 |
| Book / Page | 1158 / 2634 |
| Map Reference | LB 6 PG 55 |
| Instrument Date | May 9, 2016 |
| Instrument | 201600003675 |
| Transaction Type | Transfer |
| Record Updated | Jun 29, 2026 |
| Title Company | TROY ABSTRACT & TITLE AGENCY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,530.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1141 CALPERNIA, WIXOM, MI 48393-4506 |
| Name | Verified Name |
|---|---|
| Address | 1291 S ORR RD, HEMLOCK, MI 48626-9484 |
| Document Number | 01158/2638 |
|---|---|
| Date | May 18, 2016 |
| Book Page | 1158/2638 |
| Instrument | 201600003679 |
| Name | LAKE MICHIGAN CU |
|---|---|
| Type | Credit Union |
| Address | GRAND RAPIDS, MI 49501 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 1, 2046 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | ROSCOMMON MI |
| Recording Date | Sep 16, 2011 |
| Property Address | 154 SURFSIDE DR, ROSCOMMON, MI 48653-9241 |
| Document Number | 01107/1227 |
| Book / Page | 1107 / 1227 |
| Map Reference | LB6 PG55 |
| Instrument Date | Jul 23, 2011 |
| Instrument | 201100006559 |
| Transaction Type | Transfer |
| Record Updated | Jun 29, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 53483 SCHOENHERR RD, SHELBY TOWNSHIP, MI 48315-1940 |
| Name | Verified Name |
|---|---|
| Address | 53483 SCHOENHERR RD, SHELBY TOWNSHIP, MI 48315-1940 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ROSCOMMON MI |
| Recording Date | Sep 16, 2011 |
| Property Address | 154 SURFSIDE DR, ROSCOMMON, MI 48653-9241 |
| Document Number | 01107/1232 |
| Book / Page | 1107 / 1232 |
| Map Reference | LB6 PG55 |
| Instrument Date | Jul 1, 2011 |
| Instrument | 201100006561 |
| Transaction Type | Transfer |
| Record Updated | Jun 29, 2026 |
| Title Company | ROSCOMMON COUNTY TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,634.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 53483 SCHOENHERR RD, SHELBY TOWNSHIP, MI 48315-1940 |
| Name | Verified Name |
|---|---|
| Address | 24593 SIMMONS DR, NOVI, MI 48374-3068 |
| Investor | Possibly a Property Investor |
| Document Number | 201100006562 |
|---|---|
| Date | Sep 16, 2011 |
| Instrument | 201100006562 |
| Name | GOLD STAR MORTGAGE FINANCIAL GROUP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 179 Months |
| Due | Aug 1, 2026 |
Source: Roscommon County assessment roll, as of June 29, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Roscommon County |
| County Subdivision | Gerrish Township |
| Unified School District | Roscommon Area Public Schools (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $286,600 (-7.67%) | $573,200 (-7.67%) | |
| 2025 | $3,681.00 | $310,400 (+35.72%) | $620,800 (+35.72%) |
| 2023 | $228,700 | $457,400 |
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 January 18, 2012
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone A, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 94% of the US · lower than 85% 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.
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 |
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