3285 Wartella Rd, Cheboygan, MI 49721 Property Records

Cheboygan County property record for 3285 Wartella Rd, Cheboygan, MI 49721

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,825 sqft · built 1994
Lot Size	6.49 acres (283,028 sqft)
Owner	2 Individual Names on Record
Last Sale	$5,500 (May 2018)
Tax Bill	$2,123 (2025)
Deeds & Mortgages	Aug 2026 Mortgage Feb 2018 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`104-010-100-004-04`

Property Details

APN / Parcel Number

Primary APN	`104-010-100-004-04`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Building Area	1,825 sqft Living Area
1st Floor Area	1,825 sqft
Basement Area	1,792 sqft
Unfinished Basement	1,792 sqft

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1994
Architectural Style	Ranch
Lot Area	283,028 sqft
Garage Area	896 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	3285 WARTELLA RD
City	CHEBOYGAN
State	MI
Zip	49721-9508
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	COM N 1/4 COR SEC 10, T37N,R1W; TH S 1D 31M 10S W 33FT TO SLY R/W LI CO RD; TH N 85D 4M 40S W ALG SD R/W LI 789FT; TH S 1D
Legal Range	01W
Legal Township	037
Legal Section	10
Jurisdiction	CHEBOYGAN MI
Township / Civil Division	BENTON
Census Block Group	1
Census Block	1010
Census Tract	960401

Owner

Source: Cheboygan County records, as of August 17, 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	3285 WARTELLA RD, CHEBOYGAN, MI 49721-9508
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Aug 4, 2026	Deed of Trust, Mortgage · Conventional Mortgage STATE BANK
Feb 15, 2018	Deed of Trust, Mortgage CHARLEVOIX STATE BANK
May 11, 2018	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 11, 2018 · Amount on Record
Deed Sale	May 11, 2018 · Amount on Record
Deed Book / Page	1359 / 356
Prior Transfer Date	May 10, 2018
Prior Transfer Doc	1359/356
Record Updated	Sep 20, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEBOYGAN MI
Recording Date	Aug 4, 2026
Property Address	3285 WARTELLA RD, CHEBOYGAN, MI 49721-9508
Document Number	1589000005
Book / Page	1589 / 5
Instrument Date	Jul 21, 2026
Transaction Type	Mortgage
Record Updated	Aug 17, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3285 WARTELLA RD, CHEBOYGAN, MI 49721-9508

Mortgage

Document Number	1589000005,
Date	Aug 4, 2026
Book Page	1589/5

Lender

Name	STATE BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months

Interest

Rate	6.49%
Max Rate	-1%

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEBOYGAN MI
Property Address	3285 WARTELLA RD, CHEBOYGAN, MI 49721-9508
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000001353/0000000957
Date	Feb 15, 2018
Book Page	0000001353/0000000957

Lender

Name	CHARLEVOIX STATE BANK
Type	Bank

Agreement

Amount	Amount Recorded
Term	179 Months
Due	Jan 1, 2033

May 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CHEBOYGAN MI
Recording Date	May 11, 2018
Property Address	3285 WARTELLA RD, CHEBOYGAN, MI 49721-9508
Document Number	1359/356
Book / Page	1359 / 356
Instrument Date	May 10, 2018
Transaction Type	Transfer
Record Updated	Jun 1, 2021

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3285 WARTELLA RD, CHEBOYGAN, MI 49721-9508

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		$152,700 (+30.07%)	$305,400 (+30.07%)
2025	$2,123.00 (+10.92%)
2023		$117,400	$234,800
2022	$1,914.00

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 in force
Nearby Flood Claims	1 (2026)
Most Recent Claim	Apr 2026 · Severe Storms, Tornadoes, And Flooding

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

Provider	Max Down / Up (Mbps)
Cherry Capital Connection Fiber	1,000 / 1,000
Presque Isle Connect Fiber	1,000 / 1,000

May also be available: Spectrum.

Cell Coverage

5G and 4G LTE (outdoors only)

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