Cheboygan County property record for 3189 Duncan Bay Dr, Cheboygan, MI 49721
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,800 sqft · built 1990 |
| Lot Size | 0.53 acres (23,087 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $2,567 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 105-C09-000-004-00 |
| Primary APN | 105-C09-000-004-00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Building Area | 1,800 sqft Living Area |
| 1st Floor Area | 1,800 sqft |
| Year Built | Built 1990 |
|---|---|
| Effective Year Built | Effective 1990 |
| Architectural Style | Ranch |
| Lot Area | 23,087 sqft (0.53 acres) |
| Garage Area | 528 sqft |
| Heating System | Forced Air with A/C |
|---|
| Street Address | 3189 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 4. (SEC 34,T38N,R1W) |
| Legal Range | 01W |
| Legal Township | 004 |
| Legal Section | 34 |
| Legal Subdivision | C E LAHAIE SUB |
| Legal Lot Number | 4 |
| Jurisdiction | CHEBOYGAN MI |
| Township / Civil Division | BENTON |
| Census Block Group | 1 |
| Census Block | 1061 |
| Census Tract | 960300 |
3189 Duncan Bay Dr is owned and occupied by two individuals.
Source: Cheboygan County records, as of June 16, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | PO BOX 291, CHEBOYGAN, MI 49721-0291 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
The 2025 property tax bill for 3189 Duncan Bay Dr was $2,567 with a homeowner's exemption.
Source: Cheboygan County assessment roll, as of June 16, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Cheboygan County |
| County Subdivision | Benton Township |
| Unified School District | Cheboygan Area Schools (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $205,100 | $410,200 | |
| 2025 | $2,567.00 | ||
| 2023 | $172,500 | $345,000 | |
| 2022 | $2,314.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3189 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 risk around 3189 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.
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.
5G and 4G LTE (outdoors only)
Search by:
By searching, you agree to: Terms • Privacy • Disclosures