2276 E Higgins Lake Dr, Roscommon, MI 48653 Property Records

Roscommon County property record for 2276 E Higgins Lake Dr, Roscommon, MI 48653

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,961 sqft · built 1961
Lot Size	0.9 acres (39,204 sqft)
Owner	Individual Name on Record
Tax Bill	$2,048 (2025)
Deeds & Mortgages	Apr 2024 Refinance Feb 2024 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`004-027-002-0060`

Property Details

APN / Parcel Number

Primary APN	`004-027-002-0060`

Interior

Full Baths	1 Bath
Building Area	1,961 sqft Building Perimeter
1st Floor Area	1,961 sqft
Basement Area	1,961 sqft
Unfinished Basement	1,961 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1961
Effective Year Built	Effective 1961
Architectural Style	Ranch
Lot Area	39,204 sqft (0.9 acres)
Garage Area	672 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	2276 E HIGGINS LAKE DR
City	ROSCOMMON
State	MI
Zip	48653-7625
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	243-27-2-3 L-948 P-2449 (L-908 P-619) BEG AT SW COR OF NW 1/4 OF NE 1/4 SEC 27T24N R3W TH N 8 RDS FOR POB TH E 20 RDS,N 8
Jurisdiction	ROSCOMMON MI
Township / Civil Division	GERRISH
Census Block Group	1
Census Block	1002
Census Tract	970700

Owner

Source: Roscommon County records, 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	Individual Name on Record
Mailing Address	2276 E HIGGINS LAKE DR, ROSCOMMON, MI 48653-7625
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 25, 2024	Deed of Trust, Mortgage · Stand-Alone Refinance ROSCOMMON COUNTY OF
Feb 7, 2024	Deed of Trust, Mortgage · FHA Mortgage CARDINAL FINANCIAL COMPANY LP
Jan 24, 2023	Deed of Trust, Mortgage · FHA Mortgage SECRETARY HOUSING URBAN DEVELOPMENT
Apr 13, 2017	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Apr 12, 2017
Transfer Doc	1162/0344
Record Updated	Sep 20, 2026

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROSCOMMON MI
Property Address	2276 E HIGGINS LAKE DR, ROSCOMMON, MI 48653-7625
Transaction Type	Mortgage
Record Updated	May 15, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	001187/232
Date	Apr 25, 2024
Book Page	1187/232
Instrument	202400002710

Lender

Name	ROSCOMMON COUNTY OF

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded

February 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROSCOMMON MI
Property Address	2276 E HIGGINS LAKE DR, ROSCOMMON, MI 48653-7625
Transaction Type	Mortgage
Record Updated	Feb 28, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	001186/763
Date	Feb 7, 2024
Book Page	1186/763
Instrument	202400000541

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2054

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROSCOMMON MI
Property Address	2276 E HIGGINS LAKE DR, ROSCOMMON, MI 48653-7625
Transaction Type	Mortgage
Record Updated	Feb 15, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001183/770
Date	Jan 24, 2023
Book Page	1183/770
Instrument	202300000368

Lender

Name	SECRETARY HOUSING URBAN DEVELOPMENT
Type	Government Agency

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	313 Months
Due	Feb 1, 2049

April 2017: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ROSCOMMON MI
Recording Date	Apr 13, 2017
Property Address	2276 E HIGGINS LAKE DR, ROSCOMMON, MI 48653-7625
Document Number	1162/0344
Book / Page	1162 / 0344
Instrument Date	Apr 12, 2017
Instrument	201700002947
Transaction Type	Transfer
Record Updated	Jun 24, 2021

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10383 W MARION DR, TRAVERSE CITY, MI 49686-9226

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		$136,300 (+7.66%)	$272,600 (+7.66%)
2025	$2,048.00 Homeowner's exemption	$126,600 (+46.02%)	$253,200 (+46.02%)
2023		$86,700	$173,400

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 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	0.02% 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 4 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35

Cell Coverage

5G and 4G LTE (outdoors only)

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