3463 Duncan Bay Dr, Cheboygan, MI 49721 Property Records

Cheboygan County property record for 3463 Duncan Bay Dr, Cheboygan, MI 49721

Property Summary

Property Type	Residential Vacant Land
Lot Size	0.55 acres (23,958 sqft)
Owner	Company Name on Record
Last Sale	$150,000 (Jan 2021)
Tax Bill	$3,010 (2025)
Deeds & Mortgages	Apr 2026 Mortgage Feb 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`105-C09-000-020-00`

Property Details

APN / Parcel Number

Primary APN	`105-C09-000-020-00`

Exterior

Lot Area	23,958 sqft (0.55 acres)

Location & Zoning

Street Address	3463 DUNCAN BAY DR
City	CHEBOYGAN
State	MI
Zip	49721-8928
Property Category	Residential
Property Type	Vacant Land > Residential
Legal Description	C E LAHAIE SUBDIVISION, LOT 20, *EXC: COM AT N 1/4 COR SEC 34, TH N 84D 24M W 39.6FT TO SELY COR OF LOT 20 FOR POB; TH ALG
Legal Range	01W
Legal Township	020
Legal Section	34
Legal Subdivision	C E LAHAIE SUB
Legal Lot Number	20,39
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	Company Name on Record
Mailing Address	6272 HIGH POINTE CIR, PORTAGE, MI 49024-1082
Owner Type	Company
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Apr 10, 2026	Deed of Trust · Conventional Mortgage LAKE MICHIGAN CREDIT UNION
Feb 5, 2020	Deed of Trust, Mortgage · Conventional Mortgage FIRST COMMUNITY BANK
Jan 4, 2021	Warranty Deed, Transfer · Conventional Mortgage CONSUMERS PROFESSIONAL CREDIT UNION

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 4, 2021 · Amount on Record
Deed Sale	Jan 4, 2021 · Amount on Record
Prior Sale	Feb 27, 2004 · Amount on Record
Deed Book / Page	1436 / 181
Record Updated	Sep 20, 2026

April 2026: Deed of Trust

Document Type	Deed of Trust
Jurisdiction	CHEBOYGAN MI
Recording Date	Apr 10, 2026
Property Address	3463 DUNCAN BAY DR, CHEBOYGAN, MI 49721-8928
Document Number	0000001579/0000000606
Book / Page	1579 / 606
Instrument Date	Apr 9, 2026
Record Updated	Apr 21, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6272 HIGH POINTE CIR, PORTAGE, MI 49024-1082

Mortgage

Document Number	1579000606,
Date	Apr 10, 2026
Book Page	1579/606

Lender

Name	LAKE MICHIGAN CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2057

Interest

Rate	6.25%
Type Change Date	May 1, 2034
Max Rate	-1%

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEBOYGAN MI
Property Address	3463 DUNCAN BAY DR, CHEBOYGAN, MI 49721-8928
Transaction Type	Mortgage
Record Updated	Jun 16, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3463 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

January 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEBOYGAN MI
Recording Date	Jan 4, 2021
Property Address	3463 DUNCAN BAY DR, CHEBOYGAN, MI 49721-8928
Document Number	001436/181
Book / Page	1436 / 181
Instrument Date	Dec 18, 2020
Transaction Type	Transfer
Record Updated	Jun 16, 2022

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	6272 HIGH POINTE CIR, PORTAGE, MI 49024-1082

Mortgage

Document Number	0001436184
Date	Jan 4, 2021
Instrument	1436/184

Lender

Name	CONSUMERS PROFESSIONAL CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	348 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		$87,500 (-8.28%)	$175,000 (-8.28%)
2025	$3,010.00 (+2.91%)	$95,400 (+28.74%)	$190,800 (+28.74%)
2024	$2,925.00 (+2.96%)
2023		$74,100	$148,200
2022	$2,841.00

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 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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