194 E Bear Lake Rd NE, Kalkaska, MI 49646 Property Records

Kalkaska County property record for 194 E Bear Lake Rd NE, Kalkaska, MI 49646

Property Summary

Property Type	Single Family Home
Lot Size	0.365 acres (15,910 sqft)
Owner	Individual Name on Record
Last Sale	$112,500 (Sep 2020)
Tax Bill	$1,498 (2025)
Deeds & Mortgages	Jul 2021 Refinance Nov 2018 Mortgage + 1 more
APN	`001-454-002-00`

Property Details

APN / Parcel Number

Primary APN	`001-454-002-00`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Building Area	1,400 sqft Living Area
1st Floor Area	1,400 sqft

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1960
Architectural Style	Ranch
Lot Area	15,910 sqft (0.365 acres)
Garage Area	1,296 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	194 E BEAR LAKE RD NE
City	KALKASKA
State	MI
Zip	49646-9759
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOTS 2 & 3 BLK 4 GLENWILD ALSO THE S 100.06 FT OF N 466.24 FT OF W 50 FT OF SE 1/4 OF THE SE 1/4 SEC 20 T27N-R5W
Legal Range	05W
Legal Township	27N
Legal Section	20
Legal Subdivision	GLENWILD
Legal Block	4
Legal Lot Number	2-3
Jurisdiction	KALKASKA MI
Township / Civil Division	BEAR LAKE
Census Block Group	1
Census Block	1018
Census Tract	950602

Owner

Source: Kalkaska County records, as of October 20, 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 Record
Mailing Address	194 E BEAR LAKE RD NE, KALKASKA, MI 49646-9759
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 19, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance FOREST AREA FEDERAL CREDIT UNION
Nov 2, 2018	Deed of Trust, Mortgage QUICKEN LOAN INC
Sep 3, 2020	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 3, 2020 · Amount on Record
Deed Sale	Sep 3, 2020 · Amount on Record
Deed Document Number	20203152226
Record Updated	Oct 29, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KALKASKA MI
Property Address	194 E BEAR LAKE RD NE, KALKASKA, MI 49646-9759
Transaction Type	Mortgage
Record Updated	Aug 18, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	3157937
Date	Jul 19, 2021
Instrument	3157937

Lender

Name	FOREST AREA FEDERAL CREDIT UNION

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	241 Months
Due	Aug 1, 2041

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KALKASKA MI
Property Address	194 E BEAR LAKE RD NE, KALKASKA, MI 49646-9759
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000003142917
Date	Nov 2, 2018
Instrument	000003142917

Lender

Name	QUICKEN LOAN INC
Type	Lending Institution

Agreement

Amount	Amount Recorded
Term	350 Months
Due	Jan 1, 2048

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KALKASKA MI
Recording Date	Sep 3, 2020
Property Address	194 E BEAR LAKE RD NE, KALKASKA, MI 49646-9759
Document Number	3152226
Instrument Date	Aug 28, 2020
Instrument	3152226
Transaction Type	Transfer
Record Updated	May 24, 2021

Transaction

Amount	Amount Recorded
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	5227 LELAND ST, BRIGHTON, MI 48116-1921

Tax Assessment & Valuation

Source: Kalkaska County assessment roll, as of June 2, 2026

Property Jurisdictions

Type	Name
State	Michigan
County	Kalkaska County
County Subdivision	Bear Lake Township
Unified School District	Kalkaska Public Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$88,900 (+21.12%)	$177,800 (+21.12%)
2025	$1,498.00 (+1.01%) Homeowner's exemption	$73,400	$146,800
2024	$1,483.00

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

Flood

Source: FEMA National Flood Hazard Layer

FEMA Flood Zone	Not on file

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	0.03% 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 76 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

Cell Coverage

5G (outdoors only) and 4G LTE

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