3784 E Higgins Lake Dr, Roscommon, MI 48653 Property Records

Roscommon County property record for 3784 E Higgins Lake Dr, Roscommon, MI 48653

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,376 sqft · built 1970
Lot Size	0.3 acres (13,068 sqft)
Owner	Individual Name on File
Last Sale	$98,000 (Jul 2020)
Tax Bill	$2,517 (2025)
Deeds & Mortgages	Jul 2020 Sale & Mortgage May 2018 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`004-110-024-0000`

Property Details

APN / Parcel Number

Primary APN	`004-110-024-0000`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Building Area	1,376 sqft Building Perimeter
1st Floor Area	1,376 sqft
Fireplaces	2 Fireplaces
Fireplace	Fireplace

Exterior

Year Built	Built 1970
Effective Year Built	Effective 1970
Architectural Style	Ranch
Lot Area	13,068 sqft (0.3 acres)
Garage Area	484 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	3784 E HIGGINS LAKE DR
City	ROSCOMMON
State	MI
Zip	48653-9373
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	L-1042 P-671 243 LOT 24 ARGUS ACRES.
Legal Subdivision	ARGUS ACRES
Legal Lot Number	24
Jurisdiction	ROSCOMMON MI
Township / Civil Division	GERRISH
Census Block Group	1
Census Block	1032
Census Tract	970401

Owner

3784 E Higgins Lake Dr is owned by an individual who bought it in July 2020.

Source: Roscommon County records, as of June 29, 2026

Owner of Record	Individual Name on File
Mailing Address	10260 S MORRICE RD, MORRICE, MI 48857-9778
Owner Type	Individual

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
Jul 15, 2020	Warranty Deed, Transfer · Stand-Alone First Mortgage TOWER COMMUNITY BANK
May 29, 2018	Warranty Deed, Transfer
Jan 9, 2017	Deed, Transfer LIGHTHOUSE TITLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 15, 2020 · Amount on File
Deed Sale	Jul 15, 2020 · Amount on File
Prior Sale	May 29, 2018 · Amount on File
Deed Document Number	20204863
Deed Book / Page	1173 / 497
Record Updated	Sep 20, 2026

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ROSCOMMON MI
Recording Date	Jul 15, 2020
Property Address	3784 E HIGGINS LAKE DR, ROSCOMMON, MI 48653-9373
Document Number	1173/497
Book / Page	1173 / 497
Instrument Date	Jul 9, 2020
Instrument	202000004863
Transaction Type	Transfer
Record Updated	Jun 24, 2021

Transaction

Amount	Amount on Record
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
Relationship	Joint Tenants
Address	10260 S MORRICE RD, MORRICE, MI 48857-9778
Investor	Possibly a Property Investor

Mortgage

Document Number	202000004864
Date	Jul 15, 2020
Instrument	202000004864

Lender

Name	TOWER COMMUNITY BANK

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

May 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ROSCOMMON MI
Recording Date	May 29, 2018
Property Address	3784 E HIGGINS LAKE DR, ROSCOMMON, MI 48653-9373
Document Number	1166/134
Book / Page	1166 / 134
Instrument Date	May 22, 2018
Instrument	2.0180000408
Transaction Type	Transfer
Record Updated	Jun 24, 2021

Transaction

Amount	Amount 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
Relationship	Tenants in Common
Address	10547 TALL OAKS CT, ROSCOMMON, MI 48653-7608

January 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	ROSCOMMON MI
Recording Date	Jan 9, 2017
Property Address	3784 E HIGGINS LAKE DR, ROSCOMMON, MI 48653-9373
Document Number	1161/0348
Book / Page	1161 / 0348
Map Reference	LB 6 PL PG 44
Instrument Date	Dec 28, 2016
Instrument	201700000251
Transaction Type	Transfer
Record Updated	Jun 24, 2021
Title Company	LIGHTHOUSE TITLE

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 581, GRAYLING, MI 49738-0581

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	34429 MACDONALD DR, STERLING HEIGHTS, MI 48310-5312

Tax Assessment & Valuation

The 2025 property tax bill for 3784 E Higgins Lake Dr was $2,517.

Source: Roscommon County assessment roll, as of June 29, 2026

Property Jurisdictions

Type	Name
State	Michigan
County	Roscommon County
County Subdivision	Gerrish Township
Unified School District	Roscommon Area Public Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$102,800	$205,600
2025	$2,517.00
2023		$64,100	$128,200

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

Flood

FEMA maps place 3784 E Higgins Lake Dr in Zone X, an area of minimal flood risk.

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.

Wildfire

Wildfire risk around 3784 E Higgins Lake Dr is low, with a 0.02% 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	0.02% 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 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

Cell Coverage

5G (outdoors only) and 4G LTE

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