169 Pine Bluffs Rd, Roscommon, MI 48653 Property Records

Roscommon County property record for 169 Pine Bluffs Rd, Roscommon, MI 48653

Property Summary

Property Type	Single Family Home
Details	2 ba · 2,312 sqft · built 2003
Lot Size	0.42 acres (18,295 sqft)
Owner	2 Individual Names on File
Last Sale	$1,735,000 (Aug 2025)
Tax Bill	$8,661 (2025)
Deeds & Mortgages	Feb 2019 Refinance Jan 2022 Refinance + 7 more
Flood Zone	Zone X (minimal risk)
APN	`004-480-040-0000`

Property Details

APN / Parcel Number

Primary APN	`004-480-040-0000`

Interior

Full Baths	2 Baths
Building Area	2,312 sqft Building Perimeter
1st Floor Area	2,312 sqft
Basement Area	2,312 sqft
Unfinished Basement	2,312 sqft

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Architectural Style	Ranch
Lot Area	18,295 sqft (0.42 acres)
Garage Area	1,672 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	169 PINE BLUFFS RD
City	ROSCOMMON
State	MI
Zip	48653-8328
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	L-737 P-144 243 169 PINE BLUFFS LOT 40 PINE BLUFFS.
Legal Subdivision	PINE BLUFFS
Legal Lot Number	40
Jurisdiction	ROSCOMMON MI
Township / Civil Division	GERRISH
Census Block Group	1
Census Block	1029
Census Tract	970401

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on File
Mailing Address	169 PINE BLUFFS RD, ROSCOMMON, MI 48653-8328
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 4, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance CHEMICAL BANK
Jan 31, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance BENCHMARK MORTGAGE
Nov 15, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance BENCHMARK MORTGAGE
Aug 29, 2025	Warranty Deed, Transfer · Stand-Alone First Mortgage JPMORGAN CHASE BANK NA
Jul 6, 2018	Deed of Trust, Mortgage ARK LA FNCL SVCS DBA BENCHMARK MORTGAGE
Jan 8, 2020	Quit Claim Deed, Transfer Quitclaim
Nov 15, 2019	Quit Claim Deed, Transfer Quitclaim
Jul 6, 2018	Warranty Deed, Transfer ARK LA FNCL SVCS DBA BENCHMARK MORTGAGE
May 4, 2010	Warranty Deed, Transfer · FHA Mortgage ISABELLA BANK

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Aug 29, 2025 · Amount on Record
Deed Sale	Aug 29, 2025 · Amount on Record
Prior Sale	Jul 6, 2018 · Amount on Record
Deed Document Number	20255936
Deed Book / Page	1191 / 559
Prior Transfer Date	Jan 8, 2020
Prior Transfer Doc	1171/1170
Record Updated	Sep 20, 2026

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROSCOMMON MI
Property Address	169 PINE BLUFFS RD, ROSCOMMON, MI 48653-8328
Transaction Type	Mortgage
Record Updated	Jun 29, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001168/860
Date	Feb 4, 2019
Book Page	1168/860
Instrument	201900000548

Lender

Name	CHEMICAL BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROSCOMMON MI
Property Address	169 PINE BLUFFS RD, ROSCOMMON, MI 48653-8328
Transaction Type	Mortgage
Record Updated	Jun 29, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	01179/1727
Date	Jan 31, 2022
Book Page	1179/1727
Instrument	202200000718

Lender

Name	BENCHMARK MORTGAGE
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2052

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROSCOMMON MI
Property Address	169 PINE BLUFFS RD, ROSCOMMON, MI 48653-8328
Transaction Type	Mortgage
Record Updated	Jun 29, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001171/119
Date	Nov 15, 2019
Book Page	1171/119
Instrument	201900007930

Lender

Name	BENCHMARK MORTGAGE
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2049

August 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ROSCOMMON MI
Recording Date	Aug 29, 2025
Property Address	169 PINE BLUFFS RD, ROSCOMMON, MI 48653-8328
Document Number	01191/0559
Book / Page	1191 / 0559
Instrument Date	Aug 26, 2025
Instrument	202500005936
Transaction Type	Transfer
Record Updated	Jun 29, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
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	5670 ARROYO VISTA DR NE, ROCKFORD, MI 49341-9453

Mortgage

Document Number	202500005937
Date	Aug 29, 2025
Instrument	202500005937

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	5.75%
Type Change Date	Sep 1, 2032
Index	Other

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROSCOMMON MI
Property Address	169 PINE BLUFFS RD, ROSCOMMON, MI 48653-8328
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000001166/0000001087
Date	Jul 6, 2018
Book Page	0000001166/0000001087
Instrument	2.0180000504

Lender

Name	ARK LA FNCL SVCS DBA BENCHMARK MORTGAGE

Agreement

Amount	Amount Recorded
Term	354 Months
Due	Jan 1, 2048

January 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ROSCOMMON MI
Recording Date	Jan 8, 2020
Property Address	169 PINE BLUFFS RD, ROSCOMMON, MI 48653-8328
Document Number	01171/1170
Book / Page	1171 / 1170
Instrument Date	Jan 8, 2020
Instrument	20202000000137
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	169 PINE BLUFFS RD, ROSCOMMON, MI 48653-8328

November 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ROSCOMMON MI
Recording Date	Nov 15, 2019
Property Address	169 PINE BLUFFS RD, ROSCOMMON, MI 48653-8328
Document Number	001171/118
Book / Page	1171 / 118
Instrument Date	Nov 5, 2019
Instrument	201900007929
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	169 PINE BLUFFS RD, ROSCOMMON, MI 48653-8328

July 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ROSCOMMON MI
Recording Date	Jul 6, 2018
Property Address	169 PINE BLUFFS RD, ROSCOMMON, MI 48653-8328
Document Number	01166/1086
Book / Page	1166 / 1086
Instrument Date	Jun 27, 2018
Instrument	2.0180000503
Transaction Type	Transfer
Record Updated	Jun 29, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
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	1870 W MAPLEHURST DR, ROSCOMMON, MI 48653-7911

Mortgage

Document Number	0000001166/0000001087
Date	Jul 6, 2018
Book Page	0000001166/0000001087
Instrument	2.0180000504

Lender

Name	ARK LA FNCL SVCS DBA BENCHMARK MORTGAGE

Agreement

Amount	Amount Recorded
Term	354 Months
Due	Jan 1, 2048

May 2010: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ROSCOMMON MI
Recording Date	May 4, 2010
Property Address	169 PINE BLUFFS RD, ROSCOMMON, MI 48653-8328
Document Number	01092/2640
Book / Page	1092 / 2640
Map Reference	LB1 PG63
Instrument Date	Apr 23, 2010
Instrument	201000003098
Transaction Type	Transfer
Record Updated	Jun 29, 2026
Title Company	MT PLEASANT ABSTRACT AND TITLE, MT PLEASNT ABSTRACT & TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3300 E HUBBARD RD, MIDLAND, MI 48642-7209

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	755 MEADOWBROOK DR, MOUNT PLEASANT, MI 48858-9504

Mortgage

Document Number	201000003099
Date	May 4, 2010
Instrument	201000003099

Lender

Name	ISABELLA BANK
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

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		$743,300 (+46.55%)	$1,486,600 (+46.55%)
2025	$8,661.00 (+2.28%) Homeowner's exemption	$507,200 (+29.39%)	$1,014,400 (+29.39%)
2024	$8,468.00
2023		$392,000	$784,000

Assessed value is set for property tax purposes, not a market price estimate; it is 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
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.

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 at the parcel

Drinking Water

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

Water System	LAKESHORE EAST CONDOMINIUMS private · serves 84 people · EPA ID MI0003145
Water Source	Groundwater
Last State Inspection	Mar 2025

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 45 locations within half a mile, as of December 31, 2025

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

May also be available: Verizon.

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