1946 McRae Dr, Cheboygan, MI 49721 Property Records

Cheboygan County property record for 1946 McRae Dr, Cheboygan, MI 49721

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,568 sqft · built 1975
Lot Size	1.04 acres (45,302 sqft)
Owner	Individual Name on File
Tax Bill	$3,271 (2025)
Deeds & Mortgages	Jan 2026 Mortgage Jan 2026 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`104-017-200-001-00`

Property Details

APN / Parcel Number

Primary APN	`104-017-200-001-00`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Building Area	1,568 sqft Living Area
1st Floor Area	1,568 sqft
Basement Area	1,568 sqft
Unfinished Basement	1,568 sqft

Exterior

Year Built	Built 1975
Effective Year Built	Effective 1975
Architectural Style	Ranch
Lot Area	45,302 sqft (1.04 acres)
Garage Area	1,120 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	1946 MCRAE DR
City	CHEBOYGAN
State	MI
Zip	49721-8921
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BEG SE COR SEC 8, T37N,R1W; TH S 2D 38M E 33FT; TH W 258.38FT ALG S LI RIVERSIDE DR TO POB; TH S 32D 14M W 489.76FT; TH N 47D
Legal Range	01W
Legal Township	037
Legal Section	08
Legal Subdivision	S8T37NR1W
Legal Lot Number	8
Jurisdiction	CHEBOYGAN MI
Township / Civil Division	BENTON
Census Block Group	2
Census Block	2035
Census Tract	960300

Owner

1946 McRae Dr is owned and occupied by an individual who acquired it in September 2022.

Source: Cheboygan County records, as of June 16, 2026

Owner of Record	Individual Name on File
Mailing Address	10699 TAMRYN BLVD, HOLLY, MI 48442-8503
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

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
Jan 16, 2026	Deed of Trust, Mortgage · Conventional Mortgage CITIZENS NATIONAL BANK OF CHEB
Jan 16, 2026	Deed of Trust, Mortgage · Conventional Mortgage CITIZENS NATIONAL BANK OF CHEBOYGAN
Sep 27, 2022	Warranty Deed, Transfer
May 10, 2022	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 27, 2022
Deed Sale	Sep 27, 2022
Prior Sale	May 10, 2022 · Amount on File
Deed Book / Page	1494 / 24
Prior Transfer Date	Aug 9, 2012
Prior Transfer Doc	001218/922
Record Updated	Sep 20, 2026

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEBOYGAN MI
Property Address	1946 MCRAE DR, CHEBOYGAN, MI 49721-8921
Transaction Type	Mortgage
Record Updated	Feb 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1946 MCRAE DR, CHEBOYGAN, MI 49721-8921

Mortgage

Document Number	0000001573/0000000820
Date	Jan 16, 2026
Book Page	0000001573/0000000820

Lender

Name	CITIZENS NATIONAL BANK OF CHEB

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	120 Months
Due	Jan 1, 2036

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEBOYGAN MI
Property Address	1946 MCRAE DR, CHEBOYGAN, MI 49721-8921
Transaction Type	Mortgage
Record Updated	Jan 26, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1946 MCRAE DR, CHEBOYGAN, MI 49721-8921

Mortgage

Document Number	0000001573/0000000820
Date	Jan 16, 2026
Book Page	0000001573/0000000820

Lender

Name	CITIZENS NATIONAL BANK OF CHEBOYGAN

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	120 Months
Due	Jan 1, 2036

September 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEBOYGAN MI
Recording Date	Sep 27, 2022
Property Address	1946 MCRAE DR, CHEBOYGAN, MI 49721-8921
Document Number	0001494/24
Book / Page	1494 / 24
Instrument Date	Sep 16, 2022
Transaction Type	Transfer
Record Updated	Jun 27, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10699 TAMRYN BLVD, HOLLY, MI 48442-8503

May 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEBOYGAN MI
Recording Date	May 10, 2022
Property Address	1946 MCRAE DR, CHEBOYGAN, MI 49721-8921
Document Number	001482/842
Book / Page	1482 / 842
Instrument Date	Apr 18, 2022
Transaction Type	Transfer
Record Updated	Jun 27, 2023

Transaction

Amount	Amount 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	2381 STILLWATERS LN, CHEBOYGAN, MI 49721-8445

Tax Assessment & Valuation

The 2025 property tax bill for 1946 McRae Dr was $3,271 with a homeowner's exemption, up 3.2% from the year before.

Source: Cheboygan County assessment roll, as of June 16, 2026

Property Jurisdictions

Type	Name
State	Michigan
County	Cheboygan County
County Subdivision	Benton Township
Unified School District	Cheboygan Area Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$212,900 (+9.57%)	$425,800 (+9.57%)
2025	$3,271.00 (+3.22%) Homeowner's exemption	$194,300	$388,600
2024	$3,169.00
2023		$145,000	$290,000
2022	$2,327.00

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

Flood

FEMA maps place 1946 McRae Dr in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective July 20, 2022 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Wildfire risk around 1946 McRae 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 43 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Presque Isle Connect Fiber	1,000 / 1,000

May also be available: T-Mobile.

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