2303 Stillwaters Ln, Cheboygan, MI 49721 Property Records

Cheboygan County property record for 2303 Stillwaters Ln, Cheboygan, MI 49721

Property Summary

Property Type	Condominium
Details	3 bd · 2 ba · 2,920 sqft · built 2017
Lot Size	0.68 acres (29,621 sqft)
Owner	Individual Name on File
Last Sale	$83,000 (Oct 2016)
Tax Bill	$4,739 (2025)
Deeds & Mortgages	Apr 2017 Mortgage Mar 2019 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`105-B20-000-004-00`

Property Details

APN / Parcel Number

Primary APN	`105-B20-000-004-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	2,920 sqft Living Area
1st Floor Area	1,460 sqft
Basement Area	1,460 sqft
Unfinished Basement	1,460 sqft

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
Architectural Style	Condo/Apartment
Lot Area	29,621 sqft (0.68 acres)
Garage Area	840 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	2303 STILLWATERS LN
City	CHEBOYGAN
State	MI
Zip	49721-8445
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Legal Description	BLACK RIVER MEADOWS CONDOMINIUM, UNIT 4, ACCORDING TO MASTER DEED RECD IN 995/506-541 & AMENDED IN 1002/32 & 1060/266 &
Legal Range	01W
Legal Township	004
Legal Section	16
Legal Subdivision	BLACK RIVER MEADOWS CONDOMINIUM
Legal Unit	4
Jurisdiction	CHEBOYGAN MI
Township / Civil Division	BENTON
Census Block Group	4
Census Block	4003
Census Tract	960300

Owner

2303 Stillwaters Ln, a condominium, is owned and occupied by an individual who bought it in October 2016.

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

Owner of Record	Individual Name on File
Mailing Address	2298 STILLWATERS LN, CHEBOYGAN, MI 49721-8442
Occupancy	Owner Occupied
Owner Type	Individual

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
Apr 26, 2017	Deed of Trust, Mortgage CITIZENS NATIONAL BANK OF CHEBOYGAN
Mar 25, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance CITIZENS NATIONAL BANK
Apr 24, 2020	Deed of Trust, Mortgage · Conventional Mortgage CITIZENS NATIONAL BANK OF CHEBOYGAN

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 25, 2016 · Amount on File
Deed Sale	Oct 25, 2016 · Amount on File
Prior Sale	Jan 28, 2010
Deed Book / Page	1319 / 232
Prior Transfer Date	Oct 21, 2016
Prior Transfer Doc	1319/0232
Record Updated	Oct 29, 2026

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEBOYGAN MI
Property Address	2303 STILLWATERS LN, CHEBOYGAN, MI 49721-8445
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1331/0478
Date	Apr 26, 2017
Book Page	1331/0478

Lender

Name	CITIZENS NATIONAL BANK OF CHEBOYGAN
Address	CHEBOYGAN, MI 49721

Agreement

Amount	Amount on Record
Term	12 Months
Due	Apr 25, 2018

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEBOYGAN MI
Property Address	2303 STILLWATERS LN, CHEBOYGAN, MI 49721-8445
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1380/931
Date	Mar 25, 2019
Book Page	1380/931

Lender

Name	CITIZENS NATIONAL BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2049

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEBOYGAN MI
Property Address	2303 STILLWATERS LN, CHEBOYGAN, MI 49721-8445
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2303 STILLWATERS LN, CHEBOYGAN, MI 49721-8445

Mortgage

Document Number	0000001410/0000000783
Date	Apr 24, 2020
Book Page	0000001410/0000000783

Lender

Name	CITIZENS NATIONAL BANK OF CHEBOYGAN

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 2303 Stillwaters Ln was $4,739 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		$398,700 (+10.35%)	$797,400 (+10.35%)
2025	$4,739.00 (+3.2%) Homeowner's exemption	$361,300	$722,600
2024	$4,592.00
2023		$279,700	$559,400
2022	$4,272.00

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

Flood

FEMA maps place 2303 Stillwaters Ln in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective July 20, 2022

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

Wildfire risk around 2303 Stillwaters Ln 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	Indirect within ember reach
Adjoins Burnable Land	Yes

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

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

May also be available: Spectrum.

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