1636 Higgins Rd, Saint Helen, MI 48656 Property Records

Roscommon County property record for 1636 Higgins Rd, Saint Helen, MI 48656

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 680 sqft · built 1957
Lot Size	0.244 acres (10,631 sqft)
Owner	Individual Name on Record
Last Sale	$75,000 (Jun 2023)
Tax Bill	$1,010 (2025)
Deeds & Mortgages	Dec 2017 Mortgage Nov 2023 Transfer + 3 more
Flood Zone	Zone X (minimal risk)
APN	`010-492-151-0000`

Property Details

APN / Parcel Number

Primary APN	`010-492-151-0000`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Building Area	680 sqft Building Perimeter
1st Floor Area	680 sqft
Basement Area	680 sqft
Unfinished Basement	680 sqft

Exterior

Year Built	Built 1957
Effective Year Built	Effective 1957
Architectural Style	Ranch
Lot Area	10,631 sqft (0.244 acres)
Garage Area	400 sqft

Utilities, Heating & Cooling

Heating System	Floor/Wall Furnace

Location & Zoning

Street Address	1636 HIGGINS RD
City	SAINT HELEN
State	MI
Zip	48656-9334
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	L-1025 P-1343 (L-1005P-2215&L-820P-417) 231 1636 HIGGINS AVE LOT 151 2ND ADD TO LAND O'LAKES.
Legal Subdivision	2ND ADDITION TO LAND OLAKES SUBDIVISION
Legal Lot Number	2,151
Jurisdiction	ROSCOMMON MI
Township / Civil Division	RICHFIELD
Census Block Group	3
Census Block	3000
Census Tract	970200

Owner

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	Individual Name on Record
Mailing Address	1636 HIGGINS RD, SAINT HELEN, MI 48656-9334
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 21, 2017	Deed of Trust, Mortgage · Conventional Mortgage NORTHLAND AREA FCU
Nov 1, 2023	Quit Claim Deed, Transfer Quitclaim
Jun 6, 2023	Warranty Deed, Transfer · Stand-Alone First Mortgage JPMORGAN CHASE BANK NA
Dec 21, 2017	Intrafamily Transfer, Transfer · Conventional Mortgage NORTHLAND AREA FCU
May 10, 2005	Warranty Deed, Transfer · ARM NOVASTAR MORTGAGE INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 6, 2023 · Amount on Record
Deed Sale	Jun 6, 2023 · Amount on Record
Prior Sale	Oct 4, 2012 · Amount on Record
Deed Document Number	20233478
Deed Book / Page	1184 / 1181
Last Transfer Date	Nov 1, 2023
Transfer Doc	01185/1944
Record Updated	Sep 20, 2026

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROSCOMMON MI
Property Address	1636 HIGGINS RD, SAINT HELEN, MI 48656-9334
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	01164/1306
Date	Dec 21, 2017
Book Page	1164/1306
Instrument	201700009335

Lender

Name	NORTHLAND AREA FCU
Type	Credit Union
Address	OSCODA, MI 48750

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Jan 1, 2033

November 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ROSCOMMON MI
Recording Date	Nov 1, 2023
Property Address	1636 HIGGINS RD, SAINT HELEN, MI 48656-9334
Document Number	01185/1944
Book / Page	1185 / 1944
Instrument Date	Nov 1, 2023
Instrument	202300006974
Transaction Type	Transfer
Record Updated	Nov 22, 2023

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
Relationship	Joint Tenants with Right of Survivorship
Address	1636 HIGGINS RD, SAINT HELEN, MI 48656-9334

June 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ROSCOMMON MI
Recording Date	Jun 6, 2023
Property Address	1636 HIGGINS RD, SAINT HELEN, MI 48656-9334
Document Number	01184/1181
Book / Page	1184 / 1181
Instrument Date	Jun 2, 2023
Instrument	202300003478
Transaction Type	Transfer
Record Updated	Apr 3, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	14522 NAVARRE ST, GIBRALTAR, MI 48173-9445

Mortgage

Document Number	202300003624
Date	Jun 6, 2023
Instrument	202300003624

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2053

Mortgage

Document Number	01184/1327
Date	Jun 13, 2023
Book Page	1184/1327
Instrument	202300003624

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2053

December 2017: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ROSCOMMON MI
Recording Date	Dec 21, 2017
Property Address	1636 HIGGINS RD, SAINT HELEN, MI 48656-9334
Document Number	1164/1305
Book / Page	1164 / 1305
Map Reference	LB 4 PG 9
Instrument Date	Dec 13, 2017
Instrument	201700009334
Transaction Type	Transfer
Record Updated	Jun 24, 2021
Title Company	THREE LAKES ABSTRACT & TITLE

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1971 DUCK RD, 1971, MA

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1636 HIGGINS RD, SAINT HELEN, MI 48656-9334

Mortgage

Document Number	1164/1306
Date	Dec 21, 2017
Book Page	1164/1306
Instrument	201700009335

Lender

Name	NORTHLAND AREA FCU
Type	Credit Union
Address	OSCODA, MI 48750

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Jan 1, 2033

May 2005: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ROSCOMMON MI
Recording Date	May 10, 2005
Property Address	1636 HIGGINS RD, SAINT HELEN, MI 48656-9334
Document Number	1025/1343
Book / Page	1025 / 1343
Map Reference	LB4 PG9
Instrument Date	Apr 25, 2005
Instrument	200500004096
Transaction Type	Transfer
Record Updated	Jun 24, 2021
Title Company	ROSCOMMON COUNTY TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$447.20
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1908 MALLARD LN, 1908, SAINT HELEN, MI 48656-9738

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1636 HIGGINS RD, SAINT HELEN, MI 48656-9334

Mortgage

Document Number	01025/1344
Date	May 10, 2005
Book Page	1025/1344
Instrument	200500004097

Lender

Name	NOVASTAR MORTGAGE INC
Type	Subprime Lender
Address	TROY, MI 48084

Agreement

Type	ARM
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2035

Interest

Rate Type	Adjustable Rate
Rate	10.6%
Type Change Date	May 1, 2007
Change Frequency	6 Months
Min Rate At Change	10.6%
Max Rate At Change	13.6%
Index	6-Month LIBOR
Margin	7
Max Rate	17.6%

Tax Assessment & Valuation

Source: Roscommon County assessment roll, as of June 29, 2026

Property Jurisdictions

Type	Name
State	Michigan
County	Roscommon County
County Subdivision	Richfield Township
Unified School District	Roscommon Area Public Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$37,100 (+16.3%)	$74,200 (+16.3%)
2025	$1,010.00 Homeowner's exemption	$31,900 (+27.09%)	$63,800 (+27.09%)
2023		$25,100	$50,200

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.

Flood

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

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	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	OGEMAW TOWNSHIP serves 125 people · EPA ID MI0004935
Water Source	Groundwater
Last State Inspection	Jul 2024
Lead	4 ppb (2020–2022) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 261 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Starlink Satellite	280 / 30

May also be available: Verizon.

Cell Coverage

5G and 4G LTE (outdoors only)

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