Cheboygan County property record for 304 Phoxy Ln, Indian River, MI 49749
| Property Type | Single Family Home |
|---|---|
| Lot Size | 0.92 acres (40,075 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $93,000 (Jan 2017) |
| Tax Bill | $3,431 (2025) |
| Deeds & Mortgages | Oct 2017 Construction Loan Jul 2018 Mortgage + 5 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 161-001-105-048-02 |
| Primary APN | 161-001-105-048-02 |
|---|
| Lot Area | 40,075 sqft (0.92 acres) |
|---|
| Street Address | 304 PHOXY LN |
|---|---|
| City | INDIAN RIVER |
| State | MI |
| Zip | 49749-5807 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | COM N1/4 COR OF SEC 1, T35N,R3W; TH N 89D 01M W 849.54 ALG C/L OF STURGEON BAY RD; TH S 4D 12M W 601.12FT; TH N 89D 01M W |
| Legal Range | 03W |
| Legal Township | 035 |
| Legal Section | 01 |
| Legal Lot Number | 1 |
| Jurisdiction | CHEBOYGAN MI |
| Township / Civil Division | TUSCARORA |
| Census Block Group | 4 |
| Census Block | 4002 |
| Census Tract | 960600 |
304 Phoxy Ln is owned and occupied by two individuals who bought it in January 2017.
Source: Cheboygan County records, as of June 16, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 11120 BRIDLE PATH, ALANSON, MI 49706-9654 |
| 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.
| Date | Document |
|---|---|
| Oct 6, 2017 | Deed of Trust, Mortgage · Construction Mortgage FIRST FEDERAL OF NORTHERN MICHIGAN |
| Jul 31, 2018 | Deed of Trust, Mortgage MBANK |
| Feb 10, 2020 | Deed of Trust, Mortgage · Conventional Mortgage MBANK |
| Sep 9, 2020 | Deed of Trust, Mortgage · Conventional Mortgage MBANK |
| Jan 30, 2017 | Warranty Deed, Transfer |
| Jan 30, 2017 | Quit Claim Deed, Transfer Quitclaim |
| Jan 30, 2017 | Quit Claim Deed, Transfer Quitclaim |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 30, 2017 · Amount on File |
| Deed Sale | Jan 30, 2017 · Amount on File |
| Prior Sale | Aug 25, 2003 |
| Deed Book / Page | 1325 / 914 |
| Prior Transfer Date | Jan 25, 2017 |
| Prior Transfer Doc | 1325/0914 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHEBOYGAN MI |
| Property Address | 304 PHOXY LN, INDIAN RIVER, MI 49749-5807 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 1344/0225 |
|---|---|
| Date | Oct 6, 2017 |
| Book Page | 1344/0225 |
| Name | FIRST FEDERAL OF NORTHERN MICHIGAN |
|---|---|
| Address | ALPENA, MI 49707 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 1, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.25% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Oct 1, 2022 |
| Change Frequency | Annually |
| Min Rate At Change | 4.12% |
| Max Rate At Change | 9.25% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHEBOYGAN MI |
| Property Address | 304 PHOXY LN, INDIAN RIVER, MI 49749-5807 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000001364/0000000912 |
|---|---|
| Date | Jul 31, 2018 |
| Book Page | 0000001364/0000000912 |
| Name | MBANK |
|---|---|
| Type | Bank |
| Amount | Amount on Record |
|---|---|
| Term | 354 Months |
| Due | Jan 1, 2048 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHEBOYGAN MI |
| Property Address | 304 PHOXY LN, INDIAN RIVER, MI 49749-5807 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|---|
| Address | 304 PHOXY LN, INDIAN RIVER, MI 49749-5807 |
| Document Number | 0000001405/0000000613 |
|---|---|
| Date | Feb 10, 2020 |
| Book Page | 0000001405/0000000613 |
| Name | MBANK |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jan 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHEBOYGAN MI |
| Property Address | 304 PHOXY LN, INDIAN RIVER, MI 49749-5807 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|---|
| Address | 304 PHOXY LN, INDIAN RIVER, MI 49749-5807 |
| Document Number | 0000001423/0000000913 |
|---|---|
| Date | Sep 9, 2020 |
| Book Page | 0000001423/0000000913 |
| Name | MBANK |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jan 1, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CHEBOYGAN MI |
| Recording Date | Jan 30, 2017 |
| Property Address | 304 PHOXY LN, INDIAN RIVER, MI 49749-5807 |
| Document Number | 1325/0914 |
| Book / Page | 1325 / 0914 |
| Instrument Date | Jan 25, 2017 |
| Transaction Type | Transfer |
| Record Updated | Jun 1, 2021 |
| Amount | Amount on Record |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1429 SUNSET BLVD, 1429, FLINT, MI 48507-4062 |
| Name | Verified Name |
|---|---|
| Address | 11120 BRIDLE PATH, ALANSON, MI 49706-9654 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | CHEBOYGAN MI |
| Recording Date | Jan 30, 2017 |
| Property Address | 304 PHOXY LN, INDIAN RIVER, MI 49749-5807 |
| Document Number | 1325/0904 |
| Book / Page | 1325 / 0904 |
| Instrument Date | Jan 18, 2017 |
| Transaction Type | Transfer |
| Record Updated | Jun 1, 2021 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2423 CHAMBERSBURG AVE, 2423, DULUTH, MN 55811-3203 |
| Name | Verified Name |
|---|---|
| Address | 1429 SUNSET BLVD, FLINT, MI 48507-4062 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | CHEBOYGAN MI |
| Recording Date | Jan 30, 2017 |
| Property Address | 304 PHOXY LN, INDIAN RIVER, MI 49749-5807 |
| Document Number | 1325/0909 |
| Book / Page | 1325 / 0909 |
| Instrument Date | Jan 13, 2017 |
| Transaction Type | Transfer |
| Record Updated | Jun 1, 2021 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3722 RIVER REST RD, 3722, CHEBOYGAN, MI 49721-9598 |
| Name | Verified Name |
|---|---|
| Address | 1429 SUNSET BLVD, FLINT, MI 48507-4062 |
The 2025 property tax bill for 304 Phoxy Ln was $3,431 with a homeowner's exemption, up 3.3% from the year before.
Source: Cheboygan County assessment roll, as of June 16, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Cheboygan County |
| County Subdivision | Tuscarora Township |
| Unified School District | Inland Lakes Schools (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $368,900 (+40.05%) | $737,800 (+40.05%) | |
| 2025 | $3,431.00 (+3.34%) Homeowner's exemption | $263,400 | $526,800 |
| 2024 | $3,320.00 | ||
| 2023 | $217,200 | $434,400 | |
| 2022 | $2,986.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 304 Phoxy 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 risk around 304 Phoxy 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 | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 61 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Presque Isle Connect Fiber | 1,000 / 1,000 |
| Spectrum Cable | 1,000 / 1,000 |
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