3970 W School Rd, Roscommon, MI 48653 Property Records

Roscommon County property record for 3970 W School Rd, Roscommon, MI 48653

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,100 sqft · built 2023
Lot Size	1.13 acres (49,223 sqft)
Owner	2 Individual Names on Record
Last Sale	$290,000 (Jun 2025)
Tax Bill	$3,651 (2025)
Deeds & Mortgages	Oct 2026 Line of Credit Apr 2026 Transfer + 5 more
Flood Zone	Zone X (minimal risk)
APN	`008-004-011-0120`

Property Details

APN / Parcel Number

Primary APN	`008-004-011-0120`

Interior

Full Baths	1 Bath
Building Area	1,100 sqft Building Perimeter
1st Floor Area	1,100 sqft

Exterior

Year Built	Built 2023
Effective Year Built	Effective 2023
Lot Area	49,223 sqft (1.13 acres)
Garage Area	528 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	3970 W SCHOOL RD
City	ROSCOMMON
State	MI
Zip	48653-9223
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	L-829 P-686 (L-660 P-679) 233 3970 W SCHOOL RD E 75 FT OF W 225 FT OF SW 1/4 OF SW 1/4 OF SW 1/4 SEC 4 T23N R3W. 1.137 A.
Jurisdiction	ROSCOMMON MI
Township / Civil Division	MARKEY
Census Block Group	1
Census Block	1142
Census Tract	970600

Owner

Source: Roscommon County records, as of July 2, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	3970 W SCHOOL RD, ROSCOMMON, MI 48653-9223
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Life Estate

Deeds, Mortgages & Sale History

Date	Document
Oct 14, 2026	Deed of Trust, Mortgage · Line of Credit CAPITAL LENDING
Apr 14, 2026	Quit Claim Deed, Transfer NONE LISTED ON DOCUMENT
Apr 14, 2026	Quit Claim Deed, Transfer NONE LISTED ON DOCUMENT
Jun 20, 2025	Warranty Deed, Transfer · Stand-Alone First Mortgage UNION HOME MORTGAGE
Oct 11, 2024	Warranty Deed, Transfer
Jun 2, 2017	Warranty Deed, Transfer · FHA Mortgage TOWNE MORTGAGE CO
Jun 26, 2013	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 20, 2025 · Amount on Record
Deed Sale	Jun 20, 2025 · Amount on Record
Prior Sale	Oct 11, 2024 · Amount on Record
Deed Document Number	20254223
Deed Book / Page	1190 / 1554
Last Transfer Date	Feb 11, 2026
Transfer Doc	01193/0578
Record Updated	Oct 29, 2026

October 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROSCOMMON MI
Recording Date	Oct 14, 2026
Property Address	3970 W SCHOOL RD, ROSCOMMON, MI 48653-9223
Document Number	0000007246
Book / Page	1194 / 2342
Instrument Date	Sep 30, 2026
Instrument	20267246
Transaction Type	Mortgage
Record Updated	Oct 23, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3970 W SCHOOL RD, ROSCOMMON, MI 48653-9223

Mortgage

Document Number	0000007246,
Date	Oct 14, 2026
Book Page	1194/2342
Instrument	20267246

Lender

Name	CAPITAL LENDING

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Max Rate	-1%

April 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ROSCOMMON MI
Recording Date	Apr 14, 2026
Property Address	3970 W SCHOOL RD, ROSCOMMON, MI 48653-9223
Document Number	0000002783
Book / Page	1193 / 578
Instrument Date	Feb 11, 2026
Instrument	2026.2783
Transaction Type	Transfer
Record Updated	Apr 27, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Life Estate
Address	3970 W SCHOOL RD, ROSCOMMON, MI 48653-9223

April 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ROSCOMMON MI
Recording Date	Apr 14, 2026
Property Address	3970 W SCHOOL RD, ROSCOMMON, MI 48653-9223
Document Number	01193/0578
Book / Page	1193 / 578
Instrument Date	Feb 11, 2026
Instrument	20262783
Transaction Type	Transfer
Record Updated	Aug 27, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Life Estate
Address	3970 W SCHOOL RD, ROSCOMMON, MI 48653-9223

June 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ROSCOMMON MI
Recording Date	Jun 20, 2025
Property Address	3970 W SCHOOL RD, ROSCOMMON, MI 48653-9223
Document Number	01190/1554
Book / Page	1190 / 1554
Instrument Date	Jun 12, 2025
Instrument	202500004223
Transaction Type	Transfer
Record Updated	Jun 29, 2026

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	3512 SHEPHERD CT, CANTON, MI 48188-3308

Mortgage

Document Number	202500004153
Date	Jun 20, 2025
Instrument	202500004153

Lender

Name	UNION HOME MORTGAGE

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2055

October 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ROSCOMMON MI
Recording Date	Oct 11, 2024
Property Address	3970 W SCHOOL RD, ROSCOMMON, MI 48653-9223
Document Number	01188/1120
Book / Page	1188 / 1120
Instrument Date	Oct 4, 2024
Instrument	202400006328
Transaction Type	Transfer
Record Updated	Jun 29, 2026

Transaction

Amount	Amount Recorded
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	10191 SLIDE A WAYS TRL, GRAYLING, MI 49738-6948

June 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ROSCOMMON MI
Recording Date	Jun 2, 2017
Property Address	3970 W SCHOOL RD, ROSCOMMON, MI 48653-9223
Document Number	01162/1619
Book / Page	1162 / 1619
Instrument Date	May 22, 2017
Instrument	201700004222
Transaction Type	Transfer
Record Updated	Jun 29, 2026
Title Company	TRANSNATION TITLE INSURANCE COMPANY, TRANSNATION TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$559.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	400 E EUCLID ST, MC BAIN, MI 49657-9639

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8230 NECTAR DR # 734, 734, CANTON, MI 48187-7117
Investor	Possibly a Property Investor

Mortgage

Document Number	01162/1620
Date	Jun 2, 2017
Book Page	1162/1620
Instrument	201700004223

Lender

Name	TOWNE MORTGAGE CO
Type	Mortgage Company
Address	TROY, MI 48083

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2047

June 2013: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ROSCOMMON MI
Recording Date	Jun 26, 2013
Property Address	3970 W SCHOOL RD, ROSCOMMON, MI 48653-9223
Document Number	01129/1244
Book / Page	1129 / 1244
Instrument Date	Jun 11, 2013
Instrument	201300005367
Transaction Type	Transfer
Record Updated	Jun 29, 2026

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 21202, LANSING, MI 48909-1202

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3970 W SCHOOL RD, ROSCOMMON, MI 48653-9223

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Michigan
County	Roscommon County
County Subdivision	Markey Township
Unified School District	Houghton Lake Community School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$155,200 (+7.7%)	$310,400 (+7.7%)
2025	$3,651.00 (+343.62%) Homeowner's exemption	$144,100 (+271.39%)	$288,200 (+271.39%)
2023		$38,800	$77,600
2022	$823.00

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

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

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 88 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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