3447 Duncan Bay Dr, Cheboygan, MI 49721 Property Records

Cheboygan County property record for 3447 Duncan Bay Dr, Cheboygan, MI 49721

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,906 sqft · built 1988
Lot Size	0.53 acres (23,087 sqft)
Owner	Individual Name on Record
Last Sale	$20,000 (Mar 1986)
Tax Bill	$2,582 (2025)
Deeds & Mortgages	Dec 2022 Transfer Jul 2022 Transfer + 3 more
Flood Zone	Zone X (minimal risk)
APN	`105-C09-000-019-00`

Property Details

APN / Parcel Number

Primary APN	`105-C09-000-019-00`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Building Area	1,906 sqft Living Area
1st Floor Area	1,025 sqft

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1988
Architectural Style	Multi-Family
Lot Area	23,087 sqft (0.53 acres)
Garage Area	576 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	3447 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 19. (SEC 34,T38N,R1W) 460/255;1488/42;1498/795
Legal Range	01W
Legal Township	019
Legal Section	34
Legal Subdivision	C E LAHAIE SUB
Legal Lot Number	19
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	Individual Name on Record
Mailing Address	3447 DUNCAN BAY DR, CHEBOYGAN, MI 49721-8928
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Dec 12, 2022	Quit Claim Deed, Transfer Quitclaim
Jul 11, 2022	Quit Claim Deed, Transfer Quitclaim
Mar 15, 2021	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS
Aug 27, 2018	Deed of Trust, Mortgage QUICKEN LOAN INC
Feb 5, 2020	Deed of Trust, Mortgage · Conventional Mortgage FIRST COMMUNITY BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 10, 1986 · Amount on Record
Deed Sale	Mar 10, 1986 · Amount on Record
Deed Book / Page	460 / 255
Last Transfer Date	Dec 12, 2022
Transfer Doc	001498/795
Record Updated	Sep 20, 2026

December 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CHEBOYGAN MI
Recording Date	Dec 12, 2022
Property Address	3447 DUNCAN BAY DR, CHEBOYGAN, MI 49721-8928
Document Number	001498/795
Book / Page	1498 / 795
Instrument Date	Dec 12, 2022
Transaction Type	Transfer
Record Updated	Dec 26, 2022

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3447 DUNCAN BAY DR, CHEBOYGAN, MI 49721-8928

July 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CHEBOYGAN MI
Recording Date	Jul 11, 2022
Property Address	3447 DUNCAN BAY DR, CHEBOYGAN, MI 49721-8928
Document Number	0001488/42
Book / Page	1488 / 42
Instrument Date	Jul 6, 2022
Transaction Type	Transfer
Record Updated	Nov 15, 2022

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	905 N WESTERN AVE, CHEBOYGAN, MI 49721-1010

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEBOYGAN MI
Property Address	3447 DUNCAN BAY DR, CHEBOYGAN, MI 49721-8928
Transaction Type	Mortgage
Record Updated	Apr 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3447 DUNCAN BAY DR, CHEBOYGAN, MI 49721-8928

Mortgage

Document Number	0000001443/0000000018
Date	Mar 15, 2021
Book Page	0000001443/0000000018

Lender

Name	QUICKEN LOANS

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2051

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEBOYGAN MI
Property Address	3447 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	0000001367/0000000104
Date	Aug 27, 2018
Book Page	0000001367/0000000104

Lender

Name	QUICKEN LOAN INC
Type	Lending Institution

Agreement

Amount	Amount Recorded
Term	353 Months
Due	Jan 1, 2048

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEBOYGAN MI
Property Address	3447 DUNCAN BAY DR, CHEBOYGAN, MI 49721-8928
Transaction Type	Mortgage
Record Updated	Jun 3, 2020

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3447 DUNCAN BAY DR, CHEBOYGAN, MI 49721-8928

Mortgage

Document Number	0000001404/0000000915
Date	Feb 5, 2020
Book Page	0000001404/0000000915

Lender

Name	FIRST COMMUNITY BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

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		$216,600 (-3.78%)	$433,200 (-3.78%)
2025	$2,582.00 (+3.2%) Homeowner's exemption	$225,100 (+25.06%)	$450,200 (+25.06%)
2024	$2,502.00 (+7.52%)
2023		$180,000	$360,000
2022	$2,327.00

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	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 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.

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 (outdoors only) and 4G LTE

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