305 S 4th St, Roscommon, MI 48653 Property Records

Roscommon County property record for 305 S 4th St, Roscommon, MI 48653

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,248 sqft
Lot Size	0.46 acres (20,038 sqft)
Owner	2 Individual Names on File
Last Sale	$125,000 (Oct 2024)
Tax Bill	$1,198 (2025)
Deeds & Mortgages	Jun 2018 Mortgage May 2025 Sale + 4 more
Flood Zone	Zone X (minimal risk)
APN	`055-726-010-1000`

Property Details

APN / Parcel Number

Primary APN	`055-726-010-1000`

Interior

Full Baths	1 Bath
Building Area	1,248 sqft Building Perimeter
1st Floor Area	1,248 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Lot Area	20,038 sqft (0.46 acres)
Garage Area	744 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	305 S 4TH ST
City	ROSCOMMON
State	MI
Zip	48653-8318
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	L-304 P-365 242 LOTS 10 & 11 & 9 BLK 26 ROBINSON'S PLAT OF THE VILLAGE OF ROSCOMMON PP: 055-726-010-0000 & 726-009-0000
Legal Subdivision	ROBINSONS PLAT
Legal Block	26
Legal Lot Number	9-11
Jurisdiction	ROSCOMMON MI
Township / Civil Division	HIGGINS
Census Block Group	2
Census Block	2135
Census Tract	970300

Owner

305 S 4th St is owned and occupied by two individuals who bought it in October 2024.

Source: Roscommon County records, as of June 29, 2026

Owner of Record	2 Individual Names on File
Mailing Address	305 S 4TH ST, ROSCOMMON, MI 48653-8318
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
Jun 13, 2018	Deed of Trust, Mortgage CHEMICAL BANK
May 2, 2025	Warranty Deed, Transfer
Oct 15, 2024	Warranty Deed, Transfer · Stand-Alone First Mortgage COMMUNTIY FINANCIAL CREDIT UNION
Mar 28, 2023	Quit Claim Deed, Transfer · FHA Mortgage CARDINAL FINANCIAL COMPANY LP
May 2, 2018	Quit Claim Deed, Transfer Quitclaim
Apr 17, 2017	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 15, 2024 · Amount on File
Deed Sale	Oct 15, 2024 · Amount on File
Prior Sale	Apr 17, 2017 · Amount on File
Deed Document Number	20246365
Deed Book / Page	1188 / 1157
Prior Transfer Date	Mar 20, 2023
Prior Transfer Doc	01183/2398
Record Updated	Sep 20, 2026

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROSCOMMON MI
Property Address	305 S 4TH ST, ROSCOMMON, MI 48653-8318
Transaction Type	Mortgage
Record Updated	Jan 20, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000001166/0000000505
Date	Jun 13, 2018
Book Page	0000001166/0000000505
Instrument	2.0180000445

Lender

Name	CHEMICAL BANK
Type	Bank

Agreement

Amount	Amount on Record

May 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ROSCOMMON MI
Recording Date	May 2, 2025
Property Address	305 S 4TH ST, ROSCOMMON, MI 48653-8318
Document Number	001190/405
Book / Page	1190 / 405
Instrument Date	May 1, 2025
Instrument	202500003074
Transaction Type	Transfer
Record Updated	Jan 20, 2026

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	305 S 4TH ST, ROSCOMMON, MI 48653-8318
Investor	Possibly a Property Investor

October 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ROSCOMMON MI
Recording Date	Oct 15, 2024
Property Address	305 S 4TH ST, ROSCOMMON, MI 48653-8318
Document Number	01188/1157
Book / Page	1188 / 1157
Instrument Date	Oct 3, 2024
Instrument	202400006365
Transaction Type	Transfer
Record Updated	Jan 20, 2026

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	305 S 4TH ST, ROSCOMMON, MI 48653-8318
Investor	Possibly a Property Investor

Mortgage

Document Number	202400006366
Date	Oct 15, 2024
Instrument	202400006366

Lender

Name	COMMUNTIY FINANCIAL CREDIT UNION

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

March 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ROSCOMMON MI
Recording Date	Mar 28, 2023
Property Address	305 S 4TH ST, ROSCOMMON, MI 48653-8318
Document Number	01183/2398
Book / Page	1183 / 2398
Instrument Date	Mar 20, 2023
Instrument	202300001996
Transaction Type	Transfer
Record Updated	Jan 20, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	305 S 4TH ST, ROSCOMMON, MI 48653-8318
Investor	Possibly a Property Investor

Mortgage

Document Number	202300001997
Date	Mar 28, 2023
Instrument	202300001997

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	181 Months
Due	Apr 1, 2038

May 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ROSCOMMON MI
Recording Date	May 2, 2018
Property Address	305 S 4TH ST, ROSCOMMON, MI 48653-8318
Document Number	01165/2099
Book / Page	1165 / 2099
Instrument Date	May 2, 2018
Instrument	2.0180000335
Transaction Type	Transfer
Record Updated	Jan 20, 2026

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	211 GEORGE ST, ROSCOMMON, MI 48653-2515
Investor	Possibly a Property Investor

April 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ROSCOMMON MI
Recording Date	Apr 17, 2017
Property Address	305 S 4TH ST, ROSCOMMON, MI 48653-8318
Document Number	01162/0443
Book / Page	1162 / 0443
Map Reference	LB 1 PG 2
Instrument Date	Apr 11, 2017
Instrument	201700003046
Transaction Type	Transfer
Record Updated	Jan 20, 2026

Transaction

Amount	Amount on Record
Tax	$27.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	9848 LYDIA DR, ROSCOMMON, MI 48653

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 366, ROSCOMMON, MI 48653-0366
Investor	Possibly a Property Investor

Tax Assessment & Valuation

The 2025 property tax bill for 305 S 4th St was $1,198 with a homeowner's exemption, up 28.7% from the year before.

Source: Roscommon County assessment roll, as of June 29, 2026

Property Jurisdictions

Type	Name
State	Michigan
County	Roscommon County
County Subdivision	Higgins Township
Municipality	Roscommon Village
Unified School District	Roscommon Area Public Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$40,100 (+11.39%)	$80,200 (+11.39%)
2025	$1,198.00 (+28.68%) Homeowner's exemption	$36,000	$72,000
2024	$931.00
2023		$38,800	$77,600

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

FEMA maps place 305 S 4th St in Zone X, an area of minimal flood risk.

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

Wildfire risk around 305 S 4th St is low, with a 0.02% 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	0.02% annual chance
Exposure	Indirect within 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	VILLAGE OF ROSCOMMON serves 1,075 people · EPA ID MI0005810
Water Source	Groundwater
Last State Inspection	Dec 2025
Lead	2 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 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 149 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: AT&T.

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