3240 Duncan Bay Dr, Cheboygan, MI 49721 Property Records

Cheboygan County property record for 3240 Duncan Bay Dr, Cheboygan, MI 49721

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,750 sqft · built 1976
Lot Size	0.53 acres (23,087 sqft)
Owner	2 Individual Names on Record
Last Sale	$500,000 (Jul 2023)
Tax Bill	$3,966 (2025)
Deeds & Mortgages	Feb 2026 Mortgage Feb 2026 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`105-C09-000-007-00`

Property Details

APN / Parcel Number

Primary APN	`105-C09-000-007-00`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Building Area	1,750 sqft Living Area
1st Floor Area	875 sqft

Exterior

Year Built	Built 1976
Effective Year Built	Effective 1976
Architectural Style	Multi-Family
Lot Area	23,087 sqft (0.53 acres)
Garage Area	960 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	3240 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 7. (SEC 34, T38N,R1W) 545/286;1421/900;1510/834
Legal Range	01W
Legal Township	007
Legal Section	34
Legal Subdivision	C E LAHAIE SUB
Legal Lot Number	7
Jurisdiction	CHEBOYGAN MI
Township / Civil Division	BENTON
Census Block Group	1
Census Block	1061
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	2 Individual Names on Record
Mailing Address	3240 DUNCAN BAY DR, CHEBOYGAN, MI 49721-8928
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Feb 17, 2026	Deed of Trust, Mortgage · Conventional Mortgage CITIZENS NATIONAL BANK OF CHEB
Feb 17, 2026	Deed of Trust, Mortgage · Conventional Mortgage CITIZENS NATIONAL BANK OF CHEBOYGAN
Jul 3, 2023	Warranty Deed, Transfer · Conventional Mortgage CITIZENS NATIONAL BANK OF CHEBOYGAN
Nov 15, 2022	Deed of Trust, Mortgage · Conventional Mortgage PNC BANK
Jan 11, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance CITIZENS NATIONAL BANK
Aug 19, 2020	Warranty Deed, Transfer · Conventional Mortgage AMERIFIRST FINANCIAL

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 3, 2023 · Amount on Record
Deed Sale	Jul 3, 2023 · Amount on Record
Prior Sale	Aug 19, 2020 · Amount on Record
Deed Book / Page	1510 / 834
Record Updated	Sep 20, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEBOYGAN MI
Property Address	3240 DUNCAN BAY DR, CHEBOYGAN, MI 49721-8928
Transaction Type	Mortgage
Record Updated	Mar 9, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3240 DUNCAN BAY DR, CHEBOYGAN, MI 49721-8928

Mortgage

Document Number	0000001575/0000000978
Date	Feb 17, 2026
Book Page	0000001575/0000000978

Lender

Name	CITIZENS NATIONAL BANK OF CHEB

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jan 1, 2041

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEBOYGAN MI
Property Address	3240 DUNCAN BAY DR, CHEBOYGAN, MI 49721-8928
Transaction Type	Mortgage
Record Updated	Mar 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3240 DUNCAN BAY DR, CHEBOYGAN, MI 49721-8928

Mortgage

Document Number	0000001575/0000000978
Date	Feb 17, 2026
Book Page	0000001575/0000000978

Lender

Name	CITIZENS NATIONAL BANK OF CHEBOYGAN

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jan 1, 2041

July 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEBOYGAN MI
Recording Date	Jul 3, 2023
Property Address	3240 DUNCAN BAY DR, CHEBOYGAN, MI 49721-8928
Document Number	001510/834
Book / Page	1510 / 834
Instrument Date	Jun 27, 2023
Transaction Type	Transfer
Record Updated	Jul 14, 2023

Transaction

Amount	Amount Recorded
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	2364 VANYEAR RD, CHEBOYGAN, MI 49721-8903

Mortgage

Document Number	0001510836
Date	Jul 3, 2023
Instrument	1510/836

Lender

Name	CITIZENS NATIONAL BANK OF CHEBOYGAN

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	354 Months
Due	Jan 1, 2053

Interest

Rate Type	Adjustable Rate

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEBOYGAN MI
Property Address	3240 DUNCAN BAY DR, CHEBOYGAN, MI 49721-8928
Transaction Type	Mortgage
Record Updated	Nov 25, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3240 DUNCAN BAY DR, CHEBOYGAN, MI 49721-8928

Mortgage

Document Number	0000001497/0000000341
Date	Nov 15, 2022
Book Page	0000001497/0000000341

Lender

Name	PNC BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	480 Months
Due	Jan 1, 2062

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEBOYGAN MI
Property Address	3240 DUNCAN BAY DR, CHEBOYGAN, MI 49721-8928
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1377/229
Date	Jan 11, 2019
Book Page	1377/229

Lender

Name	CITIZENS NATIONAL BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2049

August 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEBOYGAN MI
Recording Date	Aug 19, 2020
Property Address	3240 DUNCAN BAY DR, CHEBOYGAN, MI 49721-8928
Document Number	1421/900
Book / Page	1421 / 900
Instrument Date	Aug 17, 2020
Transaction Type	Transfer
Record Updated	Jun 1, 2021

Transaction

Amount	Amount Recorded
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	106 E BREWSTER RD, BUTLER, PA 16001-1102

Mortgage

Document Number	1421901
Date	Aug 19, 2020
Instrument	1421/901

Lender

Name	AMERIFIRST FINANCIAL

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	353 Months
Due	Jan 1, 2050

Tax Assessment & Valuation

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		$211,200 (+2%)	$422,400 (+2%)
2025	$3,966.00 (+25.51%)
2023		$176,000	$352,000
2022	$3,160.00

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
Nearest Special Flood Hazard Area	Zone AE, within 500 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

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	Direct burnable vegetation

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 13 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000

Cell Coverage

5G and 4G LTE (outdoors only)

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