Roscommon County property record for 3686 E Higgins Lake Dr, Roscommon, MI 48653
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,620 sqft · built 1990 |
| Lot Size | 0.9 acres (39,204 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $215,000 (Aug 2026) |
| Tax Bill | $2,332 (2025) |
| Deeds & Mortgages | Aug 2026 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 004-110-032-1000 |
| Primary APN | 004-110-032-1000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 1,620 sqft Building Perimeter |
| 1st Floor Area | 1,620 sqft |
| Basement Area | 1,620 sqft |
| Unfinished Basement | 1,620 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1990 |
|---|---|
| Effective Year Built | Effective 1990 |
| Architectural Style | Ranch |
| Lot Area | 39,204 sqft (0.9 acres) |
| Garage Area | 1,488 sqft |
| Heating System | Forced Air with A/C |
|---|
| Street Address | 3686 E HIGGINS LAKE DR |
|---|---|
| City | ROSCOMMON |
| State | MI |
| Zip | 48653-8918 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | L-556 P-685 L-557 P-401 243 LOT 32 -33 & 34 AGRGUS ACRES PP: 004-110-032-0000 & 110-034-0000 |
| Legal Subdivision | ARGUS ACRES |
| Legal Lot Number | 32-33 |
| Jurisdiction | ROSCOMMON MI |
| Township / Civil Division | GERRISH |
| Census Block Group | 1 |
| Census Block | 1032 |
| Census Tract | 970401 |
Source: Roscommon County records, as of August 20, 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 | 3686 E HIGGINS LAKE DR, ROSCOMMON, MI 48653-8918 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 10, 2026 · Amount on Record |
| Deed Sale | Aug 10, 2026 · Amount on Record |
| Deed Document Number | 20265614 |
| Deed Book / Page | 1194 / 710 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ROSCOMMON MI |
| Recording Date | Aug 10, 2026 |
| Property Address | 3686 E HIGGINS LAKE DR, ROSCOMMON, MI 48653-8918 |
| Document Number | 0000005614 |
| Book / Page | 1194 / 710 |
| Instrument Date | Aug 10, 2026 |
| Instrument | 20265614 |
| Transaction Type | Transfer |
| Record Updated | Aug 20, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $162,862.50 |
| Amount Accuracy | Calculated from Transfer Tax |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3686 E HIGGINS LAKE DR, ROSCOMMON, MI 48653-8918 |
| Document Number | 0000005615, |
|---|---|
| Date | Aug 10, 2026 |
| Book Page | 1194/711 |
| Instrument | 20265615 |
| Name | FIRST STATE BANK |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.49% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
Source: Roscommon County assessment roll, as of June 29, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Roscommon County |
| County Subdivision | Gerrish Township |
| Unified School District | Roscommon Area Public Schools (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $182,400 (+61.56%) | $364,800 (+61.56%) | |
| 2025 | $2,332.00 | ||
| 2023 | $112,900 | $225,800 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective January 18, 2012
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
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 | 0.02% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 70 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
5G (outdoors only) and 4G LTE
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