3321 Elder Rd, Carp Lake, MI 49718 Property Records

Emmet County property record for 3321 Elder Rd, Carp Lake, MI 49718

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,568 sqft
Lot Size	6.76 acres (294,466 sqft)
Owner	2 Individual Names on Record
Last Sale	$15,000 (Jul 1999)
Tax Bill	$1,040 (2024)
Deeds & Mortgages	Nov 2025 Mortgage Nov 2025 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`03-06-06-300-005`

Property Details

APN / Parcel Number

Primary APN	`03-06-06-300-005`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,568 sqft Living Area
1st Floor Area	1,568 sqft

Exterior

Architectural Style	Other
Lot Area	294,466 sqft (6.76 acres)
Shed	1 Shed
Shed Area	96 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	3321 ELDER RD
City	CARP LAKE
State	MI
Zip	49718-9774
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	EC FF-2
Legal Description	W 446 FT OF FOLLOWING: S 1/2 OF SE 1/4 OF SW 1/4 EXC W 396 FT THEREOF & EXC RD, 6.76 AC M/L SECTION 6, T38N, R4W
Legal Range	04W
Legal Township	38N
Legal Section	06
Jurisdiction	EMMET MI
Township / Civil Division	CARP LAKE
Census Block Group	2
Census Block	2062
Census Tract	970100

Owner

Source: Emmet County records, as of July 21, 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	3321 ELDER RD, CARP LAKE, MI 49718-9774
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 18, 2025	Deed of Trust, Mortgage · Conventional Mortgage FIGURE LENDING
Nov 18, 2025	Deed of Trust, Mortgage · Conventional Mortgage FIGURE LENDING

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 28, 1999 · Amount on Record
Deed Sale	Jul 28, 1999 · Amount on Record
Record Updated	Sep 20, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EMMET MI
Property Address	3321 ELDER RD, CARP LAKE, MI 49718-9774
Transaction Type	Mortgage
Record Updated	Dec 8, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3321 ELDER RD, CARP LAKE, MI 49718-9774

Mortgage

Document Number	0000001271/0000000353
Date	Nov 18, 2025
Book Page	0000001271/0000000353
Instrument	5224389

Lender

Name	FIGURE LENDING

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2055

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EMMET MI
Property Address	3321 ELDER RD, CARP LAKE, MI 49718-9774
Transaction Type	Mortgage
Record Updated	Dec 1, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3321 ELDER RD, CARP LAKE, MI 49718-9774

Mortgage

Document Number	0000001271/0000000353
Date	Nov 18, 2025
Book Page	0000001271/0000000353
Instrument	5224389

Lender

Name	FIGURE LENDING

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2055

Tax Assessment & Valuation

Source: Emmet County assessment roll, as of July 21, 2026

Property Jurisdictions

Type	Name
State	Michigan
County	Emmet County
County Subdivision	Carp Lake Township
Unified School District	Pellston Public Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$79,800 (+19.82%) Building $79,800	$159,600 (+19.82%) Building $159,600
2024	$1,040.00
2023		$66,600 Building $66,600	$133,200 Building $133,200

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 May 31, 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	5 in force
Nearby Flood Claims	1 (2022)
Most Recent Claim	Aug 2022 · other causes

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

Provider	Max Down / Up (Mbps)
Truestream Fiber	1,000 / 1,000
Starlink Satellite	280 / 30

Cell Coverage

4G LTE (outdoors only), no 5G reported

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