3129 Duncan Bay Dr, Cheboygan, MI 49721 Property Records

Cheboygan County property record for 3129 Duncan Bay Dr, Cheboygan, MI 49721

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,232 sqft · built 1985
Lot Size	0.52 acres (22,651 sqft)
Owner	Individual Name on File
Tax Bill	$2,677 (2025)
Deeds & Mortgages	Aug 2026 Mortgage Oct 2025 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`105-C09-000-001-00`

Property Details

APN / Parcel Number

Primary APN	`105-C09-000-001-00`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Building Area	1,232 sqft Living Area
1st Floor Area	1,232 sqft

Exterior

Year Built	Built 1985
Effective Year Built	Effective 1985
Architectural Style	Ranch
Lot Area	22,651 sqft (0.52 acres)
Garage Area	576 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	3129 DUNCAN BAY DR
City	CHEBOYGAN
State	MI
Zip	49721-8928
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	C E LAHAIE SUBDIVISION, LOT 1. (SEC 34,T38N,R1W) 743/296;743/303;1136/723;1378/567;1546/469
Legal Range	01W
Legal Township	001
Legal Section	34
Legal Subdivision	C E LAHAIE SUB
Legal Lot Number	1
Jurisdiction	CHEBOYGAN MI
Township / Civil Division	BENTON
Census Block Group	1
Census Block	1061
Census Tract	960300

Owner

3129 Duncan Bay Dr is owned and occupied by an individual who acquired it in January 2025.

Source: Cheboygan County records, as of August 31, 2026

Owner of Record	Individual Name on File
Mailing Address	3129 DUNCAN BAY DR, CHEBOYGAN, MI 49721-8928
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.

Deeds, Mortgages & Sale History

Date	Document
Aug 14, 2026	Deed of Trust, Mortgage · VA Mortgage USAA FEDERAL SAVINGS BANK
Oct 24, 2025	Deed of Trust, Mortgage · VA Mortgage USA FEDERAL SAVINGS AND LOAN
Oct 24, 2025	Deed of Trust, Mortgage · VA Mortgage USA FEDERAL SAVINGS AND LOAN
Feb 8, 2019	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 6, 2025
Deed Sale	Jan 6, 2025
Prior Sale	Sep 10, 2009
Deed Book / Page	1546 / 469
Prior Transfer Date	Nov 23, 1999
Prior Transfer Doc	0743000303
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEBOYGAN MI
Recording Date	Aug 14, 2026
Property Address	3129 DUNCAN BAY DR, CHEBOYGAN, MI 49721-8928
Document Number	1590000048
Book / Page	1590 / 48
Instrument Date	Aug 6, 2026
Transaction Type	Mortgage
Record Updated	Sep 9, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3129 DUNCAN BAY DR, CHEBOYGAN, MI 49721-8928

Mortgage

Document Number	1590000048,
Date	Aug 14, 2026
Book Page	1590/48

Lender

Name	USAA FEDERAL SAVINGS BANK

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2056

Interest

Max Rate	-1%

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEBOYGAN MI
Property Address	3129 DUNCAN BAY DR, CHEBOYGAN, MI 49721-8928
Transaction Type	Mortgage
Record Updated	Nov 24, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3129 DUNCAN BAY DR, CHEBOYGAN, MI 49721-8928

Mortgage

Document Number	0000001567/0000000096
Date	Oct 24, 2025
Book Page	0000001567/0000000096

Lender

Name	USA FEDERAL SAVINGS AND LOAN

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2055

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEBOYGAN MI
Property Address	3129 DUNCAN BAY DR, CHEBOYGAN, MI 49721-8928
Transaction Type	Mortgage
Record Updated	Nov 17, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3129 DUNCAN BAY DR, CHEBOYGAN, MI 49721-8928

Mortgage

Document Number	0000001567/0000000096
Date	Oct 24, 2025
Book Page	0000001567/0000000096

Lender

Name	USA FEDERAL SAVINGS AND LOAN

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2055

February 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEBOYGAN MI
Recording Date	Feb 8, 2019
Property Address	3129 DUNCAN BAY DR, CHEBOYGAN, MI 49721-8928
Document Number	1378/567
Book / Page	1378 / 567
Instrument Date	Jan 24, 2019
Transaction Type	Transfer
Record Updated	Jun 1, 2021

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4201 SUMMER PL, SHELBY TOWNSHIP, MI 48316-5905

Tax Assessment & Valuation

The 2025 property tax bill for 3129 Duncan Bay Dr was $2,677 with a homeowner's exemption, down 44.9% 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		$182,400 (-4.4%)	$364,800 (-4.4%)
2025	$2,677.00 (-44.92%)	$190,800	$381,600
2024	$4,860.00
2023		$152,000	$304,000
2022	$4,468.00

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

Flood

FEMA maps place 3129 Duncan Bay Dr in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
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

Wildfire risk around 3129 Duncan Bay Dr 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 34 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: Presque Isle Connect, Verizon.

Cell Coverage

5G and 4G LTE (outdoors only)

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