Arenac County property record for 3898 Bourgeous Rd, Sterling, MI 48659
| Property Type | Single Family Home |
|---|---|
| Lot Size | 5.01 acres (218,236 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $3,251 (2025) |
| Deeds & Mortgages | Dec 2017 Refinance Dec 2017 Refinance + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 004-0-023-200-013-99 |
| Primary APN | 004-0-023-200-013-99 |
|---|
| Lot Area | 218,236 sqft (5.01 acres) |
|---|
| Heating System | Forced Air with A/C |
|---|
| Street Address | 3898 BOURGEOUS RD |
|---|---|
| City | STERLING |
| State | MI |
| Zip | 48659-9417 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | T20N R4E SEC 23 PAR OF S 1/2 OF SW 1/4 OF NW 1/4 COM AT W 1/4 COR OF SD SEC, TH S 89DEG59'13"E ALG E-W 1/4 LN OF SD SEC & |
| Legal Range | 04E |
| Legal Township | 20N |
| Legal Section | 23 |
| Jurisdiction | ARENAC MI |
| Township / Civil Division | CLAYTON |
| Census Block Group | 1 |
| Census Block | 1048 |
| Census Tract | 970200 |
Source: Arenac County records, as of May 19, 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 | 3898 BOURGEOUS RD, STERLING, MI 48659-9417 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 4, 2017 | Deed of Trust, Mortgage · Stand-Alone Refinance OXFORD BANK |
| Dec 4, 2017 | Deed of Trust, Mortgage · Stand-Alone Refinance OXFORD BANK |
| Dec 4, 2017 | Deed of Trust, Mortgage OXFORD BANK |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ARENAC MI |
| Property Address | 3898 BOURGEOUS RD, STERLING, MI 48659-9417 |
| Transaction Type | Mortgage |
| Record Updated | Feb 7, 2021 |
| Name | Verified Name |
|---|
| Document Number | 201704117 |
|---|---|
| Date | Dec 4, 2017 |
| Instrument | 201704117 |
| Name | OXFORD BANK |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 157 Months |
| Due | Jan 1, 2031 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ARENAC MI |
| Property Address | 3898 BOURGEOUS RD, STERLING, MI 48659-9417 |
| Transaction Type | Mortgage |
| Record Updated | Feb 7, 2021 |
| Name | Verified Name |
|---|
| Document Number | 201704117 |
|---|---|
| Date | Dec 4, 2017 |
| Instrument | 201704117 |
| Name | OXFORD BANK |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 157 Months |
| Due | Jan 1, 2031 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ARENAC MI |
| Property Address | 3898 BOURGEOUS RD, STERLING, MI 48659-9417 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 201704117 |
|---|---|
| Date | Dec 4, 2017 |
| Instrument | 201704117 |
| Name | OXFORD BANK |
|---|---|
| Type | Bank |
| Amount | Amount Recorded |
|---|---|
| Term | 157 Months |
| Due | Jan 1, 2031 |
Source: Arenac County assessment roll, as of May 19, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Arenac County |
| County Subdivision | Clayton Township |
| Unified School District | Standish-Sterling Community School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $119,000 | $238,000 | |
| 2025 | $3,251.00 |
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 June 15, 2022 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 5 in force |
| Nearby Flood Claims | 14 (1990–2020) |
| Claims Outside the SFHA | 11 of 14 |
| Most Recent Claim | May 2020 · Severe Storms And Flooding |
| Claims by Event |
|
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.
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 | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 12 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Point Broadband Fixed Wireless | 1,000 / 500 |
| Verizon Fixed Wireless | 300 / 20 |
| Frontier DSL | 10 / 1 |
May also be available: T-Mobile, Vogtmann Engineering.
5G (outdoors only) and 4G LTE
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