322 Riverside Dr, Cheboygan, MI 49721 Property Records

Cheboygan County property record for 322 Riverside Dr, Cheboygan, MI 49721

Property Summary

Property Type	Single Family Home
Lot Size	0.4 acres (17,424 sqft)
Owner	Individual Name on Record
Last Sale	$180,000 (Apr 2018)
Tax Bill	$4,426 (2025)
Deeds & Mortgages	Aug 2026 Mortgage Apr 2018 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`052-E61-001-017-00`

Property Details

APN / Parcel Number

Primary APN	`052-E61-001-017-00`

Exterior

Lot Area	17,424 sqft (0.4 acres)

Location & Zoning

Street Address	322 RIVERSIDE DR
City	CHEBOYGAN
State	MI
Zip	49721-2282
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	EAST RIVERSIDE SUBDIVISION, LOT 17, *EXC: COM NW COR LOT 16; TH S 61D 55M E ALG ROW OF RIVERSIDE DR 6FT TO POB; TH S 32D 13M
Legal Range	01W
Legal Township	017
Legal Section	06
Legal Subdivision	RIVERSIDE SUB
Legal Lot Number	16-17
Jurisdiction	CHEBOYGAN MI
Township / Civil Division	CHEBOYGAN
Census Block Group	2
Census Block	2022
Census Tract	960300

Owner

Source: Cheboygan County records, as of June 16, 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	322 RIVERSIDE DR, CHEBOYGAN, MI 49721-2282
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Aug 11, 2026	Deed of Trust, Mortgage · Conventional Mortgage MICHIGAN SCHOOLS AND GOV'T CREDIT UNION
Apr 10, 2018	Deed of Trust, Mortgage MBANK
Sep 11, 2020	Deed of Trust, Mortgage · Conventional Mortgage MICHIGAN SCHOOLS AND GOVERNMENT CREDIT U
Apr 10, 2018	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 10, 2018 · Amount on Record
Deed Sale	Apr 10, 2018 · Amount on Record
Prior Sale	Apr 3, 2008 · Amount on Record
Deed Book / Page	1357 / 19
Prior Transfer Date	Apr 6, 2018
Prior Transfer Doc	001357/019
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEBOYGAN MI
Recording Date	Aug 11, 2026
Property Address	322 RIVERSIDE DR, CHEBOYGAN, MI 49721-2282
Document Number	1589000710
Book / Page	1589 / 710
Instrument Date	Aug 4, 2026
Transaction Type	Mortgage
Record Updated	Sep 9, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	322 RIVERSIDE DR, CHEBOYGAN, MI 49721-2282

Mortgage

Document Number	1589000710,
Date	Aug 11, 2026
Book Page	1589/710

Lender

Name	MICHIGAN SCHOOLS AND GOV'T CREDIT UNION

Agreement

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

Interest

Max Rate	-1%

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEBOYGAN MI
Property Address	322 RIVERSIDE DR, CHEBOYGAN, MI 49721-2282
Transaction Type	Mortgage
Record Updated	Jun 16, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000001357/0000000021
Date	Apr 10, 2018
Book Page	0000001357/0000000021

Lender

Name	MBANK
Type	Bank

Agreement

Amount	Amount Recorded
Term	357 Months
Due	Jan 1, 2048

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEBOYGAN MI
Property Address	322 RIVERSIDE DR, CHEBOYGAN, MI 49721-2282
Transaction Type	Mortgage
Record Updated	Jun 16, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	322 RIVERSIDE DR, CHEBOYGAN, MI 49721-2282

Mortgage

Document Number	0000001424/0000000204
Date	Sep 11, 2020
Book Page	0000001424/0000000204

Lender

Name	MICHIGAN SCHOOLS AND GOVERNMENT CREDIT U

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jan 1, 2035

April 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEBOYGAN MI
Recording Date	Apr 10, 2018
Property Address	322 RIVERSIDE DR, CHEBOYGAN, MI 49721-2282
Document Number	001357/019
Book / Page	1357 / 019
Instrument Date	Apr 6, 2018
Transaction Type	Transfer
Record Updated	Jun 16, 2022

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	522 S HURON ST, CHEBOYGAN, MI 49721-1949

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		$220,400 (+3.33%)	$440,800 (+3.33%)
2025	$4,426.00 (+1.26%) Homeowner's exemption	$213,300 (+31.26%)	$426,600 (+31.26%)
2024	$4,371.00 (+22.4%)
2023		$162,500	$325,000
2022	$3,571.00

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

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force

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 98% of the US · lower than 95% 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 69 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
T-Mobile Fixed Wireless	100 / 20

May also be available: Cherry Capital Connection.

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