2845 E Higgins Lake Dr, Roscommon, MI 48653 Property Records

Roscommon County property record for 2845 E Higgins Lake Dr, Roscommon, MI 48653

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 884 sqft · built 1986
Lot Size	0.5 acres (21,780 sqft)
Owner	2 Individual Names on Record
Last Sale	$120,000 (Oct 2023)
Tax Bill	$2,191 (2025)
Deeds & Mortgages	Dec 2025 Mortgage Oct 2023 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`004-450-003-0000`

Property Details

APN / Parcel Number

Primary APN	`004-450-003-0000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Building Area	884 sqft Building Perimeter
1st Floor Area	884 sqft

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1986
Architectural Style	Ranch
Lot Area	21,780 sqft (0.5 acres)
Garage Area	624 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	2845 E HIGGINS LAKE DR
City	ROSCOMMON
State	MI
Zip	48653-7622
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	L-737 P-355 243 2845 E HIGGINS LK DR LOT 3 OAK GROVE SUBD.
Legal Subdivision	OAK GROVE SUBDIVISION
Legal Lot Number	3
Jurisdiction	ROSCOMMON MI
Township / Civil Division	GERRISH
Census Block Group	1
Census Block	1087
Census Tract	970401

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	2 Individual Names on Record
Mailing Address	2845 E HIGGINS LAKE DR, ROSCOMMON, MI 48653-7622
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 8, 2025	Deed of Trust, Mortgage ROCKET MORTGAGE LLC
Oct 4, 2023	Warranty Deed, Transfer
May 15, 2023	Sheriff's Deed, Foreclosure

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 4, 2023 · Amount on Record
Deed Sale	Oct 4, 2023 · Amount on Record
Prior Sale	May 15, 2023 · Amount on Record
Deed Document Number	20236430
Deed Book / Page	1185 / 1400
Record Updated	Sep 20, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROSCOMMON MI
Property Address	2845 E HIGGINS LAKE DR, ROSCOMMON, MI 48653-7622
Transaction Type	Mortgage
Record Updated	Dec 24, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	01192/0130
Date	Dec 8, 2025
Book Page	1192/0130
Instrument	202500008245

Lender

Name	ROCKET MORTGAGE LLC

Agreement

Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2056

October 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ROSCOMMON MI
Recording Date	Oct 4, 2023
Property Address	2845 E HIGGINS LAKE DR, ROSCOMMON, MI 48653-7622
Document Number	01185/1400
Book / Page	1185 / 1400
Instrument Date	Sep 29, 2023
Instrument	202300006430
Transaction Type	Transfer
Record Updated	Oct 25, 2023

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Notice of Trustee Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	720 S WASHINGTON ST, OWOSSO, MI 48867-3551

May 2023: Sheriff's Deed, Foreclosure

Document Type	Sheriff's Deed
Jurisdiction	ROSCOMMON MI
Recording Date	May 15, 2023
Property Address	2845 E HIGGINS LAKE DR, ROSCOMMON, MI 48653-7622
Document Number	001184/747
Book / Page	1184 / 747
Instrument Date	May 5, 2023
Instrument	202300003044
Transaction Type	Foreclosure
Record Updated	Jun 7, 2023

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3501 OLYMPUS BLVD # 5, 5, COPPELL, TX 75019-6156

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		$90,500 (+56.03%)	$181,000 (+56.03%)
2025	$2,191.00
2023		$58,000	$116,000

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 50

Cell Coverage

5G and 4G LTE (outdoors only)

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