395 Cedar St, Cheboygan, MI 49721 Property Records

Cheboygan County property record for 395 Cedar St, Cheboygan, MI 49721

Property Summary

Property Type	Single Family Home
Lot Size	0.2 acres (8,712 sqft)
Owner	Individual Name on File
Tax Bill	$1,424 (2025)
Deeds & Mortgages	Nov 2019 Mortgage Mar 2019 Transfer
Flood Zone	Zone X (minimal risk)
APN	`052-P38-005-006-00`

Property Details

APN / Parcel Number

Primary APN	`052-P38-005-006-00`

Exterior

Lot Area	8,712 sqft (0.2 acres)

Location & Zoning

Street Address	395 CEDAR ST
City	CHEBOYGAN
State	MI
Zip	49721-1305
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PLAT OF R PATTERSON'S FIFTH ADDITION TO THE VILLAGE OF CHEBOYGAN, LOT 8, BLK 5. (SEC 32, T38N,R1W)
Legal Range	01W
Legal Township	008
Legal Section	32
Legal Subdivision	R PATTERSONS 5TH ADD
Legal Lot Number	8
Jurisdiction	CHEBOYGAN MI
Township / Civil Division	CHEBOYGAN
Census Block Group	1
Census Block	1052
Census Tract	960300

Owner

395 Cedar St is owned and occupied by an individual who acquired it in September 2007.

Source: Cheboygan County records, as of June 16, 2026

Owner of Record	Individual Name on File
Mailing Address	395 CEDAR ST, CHEBOYGAN, MI 49721-1305
Occupancy	Owner Occupied
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
Nov 8, 2019	Deed of Trust, Mortgage STRAITS AREA FEDERAL CREDIT UN
Mar 18, 2019	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 12, 2007
Deed Sale	Sep 12, 2007
Prior Sale	Sep 7, 2007 · Amount on File
Deed Book / Page	1079 / 145
Record Updated	Oct 29, 2026

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEBOYGAN MI
Property Address	395 CEDAR ST, CHEBOYGAN, MI 49721-1305
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000001398/0000000869
Date	Nov 8, 2019
Book Page	0000001398/0000000869

Lender

Name	STRAITS AREA FEDERAL CREDIT UN

Agreement

Amount	Amount on Record
Term	230 Months
Due	Jan 1, 2039

March 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CHEBOYGAN MI
Recording Date	Mar 18, 2019
Property Address	395 CEDAR ST, CHEBOYGAN, MI 49721-1305
Document Number	1380/329
Book / Page	1380 / 329
Instrument Date	Mar 14, 2019
Transaction Type	Transfer
Record Updated	Jun 1, 2021

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	395 CEDAR ST, CHEBOYGAN, MI 49721-1305

Tax Assessment & Valuation

The 2025 property tax bill for 395 Cedar St was $1,424 with a homeowner's exemption, up 1.3% from the year before.

Source: Cheboygan County assessment roll, as of June 16, 2026

Property Jurisdictions

Type	Name
State	Michigan
County	Cheboygan County
Municipality	Cheboygan City
Unified School District	Cheboygan Area Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$81,200 (+18.02%)	$162,400 (+18.02%)
2025	$1,424.00 (+1.28%) Homeowner's exemption	$68,800	$137,600
2024	$1,406.00
2023		$50,600	$101,200
2022	$1,152.00

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

Flood

FEMA maps place 395 Cedar St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1979.

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
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

Wildfire risk around 395 Cedar St is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 99.1% of the US · lower than 98.4% 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CITY OF CHEBOYGAN serves 5,500 people · EPA ID MI0001360
Water Source	Groundwater
Last State Inspection	Oct 2024
Lead	3 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	4 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 136 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Starlink Satellite	280 / 30

May also be available: Verizon.

Nearby Properties on Cedar St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures