305 Cedar St, Cheboygan, MI 49721 Property Records

Cheboygan County property record for 305 Cedar St, Cheboygan, MI 49721

Property Summary

Property Type	Single Family Home
Lot Size	0.2 acres (8,712 sqft)
Owner	Individual Name on Record
Last Sale	$208,000 (Jun 2026)
Tax Bill	$1,990 (2025)
Deeds & Mortgages	Jun 2026 Mortgage Jun 2026 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`052-P38-005-005-00`

Property Details

APN / Parcel Number

Primary APN	`052-P38-005-005-00`

Exterior

Lot Area	8,712 sqft (0.2 acres)

Location & Zoning

Street Address	305 CEDAR ST
City	CHEBOYGAN
State	MI
Zip	49721-1305
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PLAT OF R PATTERSON'S FIFTH ADDITION TO THE VILLAGE OF CHEBOYGAN, LOT 7, BLK 5. (SEC 32, T38N,R1W)
Legal Range	01W
Legal Township	007
Legal Section	32
Legal Subdivision	R PATTERSONS FIFTH ADDITION
Legal Lot Number	7
Jurisdiction	CHEBOYGAN MI
Township / Civil Division	CHEBOYGAN
Census Block Group	1
Census Block	1052
Census Tract	960300

Owner

Source: Cheboygan County records, as of July 13, 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	305 CEDAR ST, CHEBOYGAN, MI 49721-1305
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 15, 2026	Deed of Trust, Mortgage · Conventional Mortgage MERCANTILE BANK
Jun 15, 2026	Deed of Trust, Mortgage · Conventional Mortgage MICHIGAN STATE HOUSING DEVELOPMENT AUTHORITY
Jun 15, 2026	Warranty Deed, Transfer · Conventional Mortgage MERCANTILE BANK
Mar 27, 2026	Quit Claim Deed, Transfer Quitclaim
Jul 6, 2021	Quit Claim Deed, Transfer Quitclaim
Oct 13, 2017	Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 15, 2026 · Amount on Record
Deed Sale	Jun 15, 2026 · Amount on Record
Prior Sale	Sep 10, 2004 · Amount on Record
Deed Book / Page	1584 / 264
Prior Transfer Date	Jun 23, 2021
Prior Transfer Doc	1454/638
Record Updated	Sep 20, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEBOYGAN MI
Recording Date	Jun 15, 2026
Property Address	305 CEDAR ST, CHEBOYGAN, MI 49721-1305
Document Number	0000001584/0000000267
Book / Page	1584 / 267
Instrument Date	Jun 12, 2026
Transaction Type	Mortgage
Record Updated	Jul 13, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	305 CEDAR ST, CHEBOYGAN, MI 49721-1305

Mortgage

Document Number	1584000267,
Date	Jun 15, 2026
Book Page	1584/267

Lender

Name	MERCANTILE BANK

Agreement

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

Interest

Rate	6.36%
Max Rate	-1%

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEBOYGAN MI
Recording Date	Jun 15, 2026
Property Address	305 CEDAR ST, CHEBOYGAN, MI 49721-1305
Document Number	0000001584/0000000281
Book / Page	1584 / 281
Instrument Date	Jun 12, 2026
Transaction Type	Mortgage
Record Updated	Jul 13, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	305 CEDAR ST, CHEBOYGAN, MI 49721-1305

Mortgage

Document Number	1584000281,
Date	Jun 15, 2026
Book Page	1584/281

Lender

Name	MICHIGAN STATE HOUSING DEVELOPMENT AUTHORITY

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months

Interest

Rate	6.36%
Max Rate	-1%

June 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEBOYGAN MI
Recording Date	Jun 15, 2026
Property Address	305 CEDAR ST, CHEBOYGAN, MI 49721-1305
Document Number	1584000264
Book / Page	1584 / 264
Instrument Date	Jun 12, 2026
Transaction Type	Transfer
Record Updated	Jun 29, 2026

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	305 CEDAR ST, CHEBOYGAN, MI 49721-1305

Mortgage

Document Number	1584000267,
Date	Jun 15, 2026
Book Page	1584/267

Lender

Name	MERCANTILE BANK

Agreement

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

Interest

Rate	6.36%
Max Rate	-1%

Mortgage

Document Number	1584000281,
Date	Jun 15, 2026
Book Page	1584/281

Lender

Name	MICHIGAN STATE HOUSING DEVELOPMENT AUTHORITY

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months

Interest

Rate	6.36%
Max Rate	-1%

March 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CHEBOYGAN MI
Recording Date	Mar 27, 2026
Property Address	305 CEDAR ST, CHEBOYGAN, MI 49721-1305
Document Number	001578/548
Book / Page	1578 / 548
Instrument Date	Mar 23, 2026
Transaction Type	Transfer
Record Updated	Apr 14, 2026

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1031 DIVISION ST, CHEBOYGAN, MI 49721-1434

July 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CHEBOYGAN MI
Recording Date	Jul 6, 2021
Property Address	305 CEDAR ST, CHEBOYGAN, MI 49721-1305
Document Number	1454/638
Book / Page	1454 / 638
Instrument Date	Jun 23, 2021
Transaction Type	Transfer
Record Updated	Jul 27, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	305 CEDAR ST, CHEBOYGAN, MI 49721-1305

October 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	CHEBOYGAN MI
Recording Date	Oct 13, 2017
Property Address	305 CEDAR ST, CHEBOYGAN, MI 49721-1305
Document Number	1344/0957
Book / Page	1344 / 0957
Instrument Date	Oct 4, 2017
Transaction Type	Transfer
Record Updated	Jun 1, 2021

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	305 CEDAR ST, 305, CHEBOYGAN, MI 49721-1305

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	305 CEDAR ST, CHEBOYGAN, MI 49721-1305

Tax Assessment & Valuation

Source: Cheboygan County assessment roll, as of June 16, 2026

Property Jurisdictions

Type	Name
State	Michigan
County	Cheboygan County
Municipality	Cheboygan City
Unified School District	Cheboygan Area Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$85,400 (+17.79%)	$170,800 (+17.79%)
2025	$1,990.00 (+1.27%) Homeowner's exemption	$72,500 (+36.02%)	$145,000 (+36.02%)
2024	$1,965.00 (+22.2%)
2023		$53,300	$106,600
2022	$1,608.00

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 July 20, 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	2 in force
Nearby Flood Claims	1 (1979)
Most Recent Claim	Jul 1979 · tidal / storm surge

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 99.1% of the US · lower than 98.4% of Michigan
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CITY OF CHEBOYGAN serves 5,500 people · EPA ID MI0001360
Water Source	Groundwater
Last State Inspection	Oct 2024
Lead	3 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	4 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 136 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Starlink Satellite	280 / 30

May also be available: Verizon.

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