3407 Duncan Bay Dr, Cheboygan, MI 49721 Property Records

Cheboygan County property record for 3407 Duncan Bay Dr, Cheboygan, MI 49721

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,180 sqft · built 1970
Lot Size	0.53 acres (23,087 sqft)
Owner	2 Individual Names on File
Last Sale	$325,000 (Aug 2012)
Tax Bill	$3,112 (2025)
Deeds & Mortgages	Jan 2017 Transfer Jan 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`105-C09-000-015-00`

Property Details

APN / Parcel Number

Primary APN	`105-C09-000-015-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Half Baths	2 Half Baths
Building Area	2,180 sqft Living Area
1st Floor Area	2,180 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1970
Effective Year Built	Effective 1970
Architectural Style	Ranch
Lot Area	23,087 sqft (0.53 acres)
Garage Area	462 sqft

Location & Zoning

Street Address	3407 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 15. (SEC 34, T38N,R1W) 835/604;965/128;1061/681;1209/766;1231/101;1325/229;1325/248;1564/644
Legal Range	01W
Legal Township	015
Legal Section	34
Legal Subdivision	C E LAHAIES
Legal Lot Number	15
Jurisdiction	CHEBOYGAN MI
Township / Civil Division	BENTON
Census Block Group	1
Census Block	1061
Census Tract	960300

Owner

3407 Duncan Bay Dr is owned and occupied by two individuals who acquired it in January 2017.

Source: Cheboygan County records, as of June 16, 2026

Owner of Record	2 Individual Names on File
Mailing Address	420 RIVERSIDE DR, CHEBOYGAN, MI 49721-2248
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.

Deeds, Mortgages & Sale History

Date	Document
Jan 19, 2017	Quit Claim Deed, Transfer Quitclaim
Jan 19, 2017	Quit Claim Deed, Transfer FLAGSTAR BANK FSB

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 14, 2012 · Amount on File
Deed Sale	Aug 14, 2012 · Amount on File
Prior Sale	Mar 12, 2007
Deed Book / Page	1209 / 766
Last Transfer Date	Jan 17, 2017
Transfer Doc	1325/0229
Record Updated	Sep 20, 2026

January 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CHEBOYGAN MI
Recording Date	Jan 19, 2017
Property Address	3407 DUNCAN BAY DR, CHEBOYGAN, MI 49721-8928
Document Number	1325/0248
Book / Page	1325 / 0248
Instrument Date	Jan 17, 2017
Transaction Type	Transfer
Record Updated	Jun 1, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	420 RIVERSIDE DR, 420, CHEBOYGAN, MI 49721-2248

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	420 RIVERSIDE DR, CHEBOYGAN, MI 49721-2248

January 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CHEBOYGAN MI
Recording Date	Jan 19, 2017
Property Address	3407 DUNCAN BAY DR, CHEBOYGAN, MI 49721-8928
Document Number	1325/0229
Book / Page	1325 / 0229
Instrument Date	Jan 17, 2017
Transaction Type	Transfer
Record Updated	Jun 1, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	420 RIVERSIDE DR, 420, CHEBOYGAN, MI 49721-2248

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	420 RIVERSIDE DR, CHEBOYGAN, MI 49721-2248

Mortgage

Document Number	1325/0231
Date	Jan 19, 2017
Book Page	1325/0231

Lender

Name	FLAGSTAR BANK FSB
Type	Bank
Address	TROY, MI 48098

Agreement

Amount	Amount on Record
Term	181 Months
Due	Feb 1, 2032

Tax Assessment & Valuation

The 2025 property tax bill for 3407 Duncan Bay Dr was $3,112 with a homeowner's exemption, up 3.2% from the year before.

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		$227,300 (-3.48%)	$454,600 (-3.48%)
2025	$3,112.00 (+3.18%) Homeowner's exemption	$235,500	$471,000
2024	$3,016.00
2023		$187,700	$375,400
2022	$2,805.00

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

Flood

FEMA maps place 3407 Duncan Bay Dr in Zone X, an area of minimal flood risk, within 500 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 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

Wildfire risk around 3407 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	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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