2263 Elder Rd, Carp Lake, MI 49718 Property Records

Emmet County property record for 2263 Elder Rd, Carp Lake, MI 49718

Property Summary

Property Type	Single Family Home
Details	1 ba · 2,816 sqft
Lot Size	47 acres (2,047,320 sqft)
Owner	2 Individual Names on Record
Tax Bill	$2,719 (2024)
Deeds & Mortgages	Jun 2026 Mortgage Jun 2026 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`02-05-11-400-003`

Property Details

APN / Parcel Number

Primary APN	`02-05-11-400-003`

Interior

Full Baths	1 Bath
Stories	5 Stories
Building Area	2,816 sqft Living Area
1st Floor Area	1,408 sqft
Basement Area	1,408 sqft

Exterior

Architectural Style	Other
Fire Resistance	Masonry Walls, Wood Interior
Lot Area	2,047,320 sqft (47 acres)
Garage Area	1,408 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	2263 ELDER RD
City	CARP LAKE
State	MI
Zip	49718-9739
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	EC FF-2
Legal Description	S 46.98 AC OF N 1/2 OF SE 1/4. SECTION 11, T38N, R5W
Legal Range	05W
Legal Township	38N
Legal Section	11
Jurisdiction	EMMET MI
Township / Civil Division	BLISS
Census Block Group	2
Census Block	2093
Census Tract	970100

Owner

Source: Emmet County records, as of July 24, 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 Record
Mailing Address	2263 ELDER RD, CARP LAKE, MI 49718-9739
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 25, 2026	Deed of Trust, Mortgage · Conventional Mortgage FIGURE LENDING LLC
Jun 25, 2026	Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC
Sep 30, 2022	Deed of Trust, Mortgage · Conventional Mortgage HUNTINGTON NATIONAL BANK
Apr 6, 2021	Deed of Trust, Mortgage · Conventional Mortgage TCF NATIONAL BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 7, 2001
Deed Sale	Nov 7, 2001
Record Updated	Sep 20, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EMMET MI
Recording Date	Jun 25, 2026
Property Address	2263 ELDER RD, CARP LAKE, MI 49718-9739
Document Number	0005228999
Book / Page	1275 / 950
Instrument Date	Jun 17, 2026
Instrument	20265228999
Transaction Type	Mortgage
Record Updated	Jul 13, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2263 ELDER RD, CARP LAKE, MI 49718-9739

Mortgage

Document Number	0005228999,
Date	Jun 25, 2026
Book Page	1275/950
Instrument	20265228999

Lender

Name	FIGURE LENDING LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2056

Interest

Rate	6.51%
Max Rate	-1%

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EMMET MI
Recording Date	Jun 25, 2026
Property Address	2263 ELDER RD, CARP LAKE, MI 49718-9739
Document Number	0005228999
Book / Page	1275 / 950
Instrument Date	Jun 17, 2026
Instrument	20265228999
Transaction Type	Mortgage
Record Updated	Jul 24, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2263 ELDER RD, CARP LAKE, MI 49718-9739

Mortgage

Document Number	0005228999,
Date	Jun 25, 2026
Book Page	1275/950
Instrument	20265228999

Lender

Name	FIGURE LENDING LLC

Agreement

Type	Line of Credit
Term	360 Months
Due	Jul 15, 2056

Interest

Rate	6.51%
Max Rate	-1%

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EMMET MI
Property Address	2263 ELDER RD, CARP LAKE, MI 49718-9739
Transaction Type	Mortgage
Record Updated	Oct 7, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2263 ELDER RD, CARP LAKE, MI 49718-9739

Mortgage

Document Number	0000001247/0000000470
Date	Sep 30, 2022
Book Page	0000001247/0000000470
Instrument	5200439

Lender

Name	HUNTINGTON NATIONAL BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2052

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EMMET MI
Property Address	2263 ELDER RD, CARP LAKE, MI 49718-9739
Transaction Type	Mortgage
Record Updated	May 3, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2263 ELDER RD, CARP LAKE, MI 49718-9739

Mortgage

Document Number	0000001231/0000000654
Date	Apr 6, 2021
Book Page	0000001231/0000000654
Instrument	5184620

Lender

Name	TCF NATIONAL BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jan 1, 2036

Tax Assessment & Valuation

Source: Emmet County assessment roll, as of July 21, 2026

Property Jurisdictions

Type	Name
State	Michigan
County	Emmet County
County Subdivision	Bliss Township
Unified School District	Pellston Public Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$239,900 (+40.7%) Land $58,800 Building $181,100	$479,800 (+40.7%) Land $117,600 Building $362,200
2024	$2,719.00
2023		$170,500 Land $40,000 Building $130,500	$341,000 Land $80,000 Building $261,000

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, effective May 31, 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	5 in force
Nearby Flood Claims	1 (2022)
Most Recent Claim	Aug 2022 · other causes

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

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 3 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Truestream Fiber	1,000 / 1,000

Cell Coverage

4G LTE (outdoors only), no 5G reported

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