3985 E Higgins Lake Dr, Roscommon, MI 48653 Property Records

Roscommon County property record for 3985 E Higgins Lake Dr, Roscommon, MI 48653

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,615 sqft
Lot Size	0.32 acres (13,939 sqft)
Owner	2 Individual Names on Record
Last Sale	$200,000 (Aug 2025)
Tax Bill	$3,221 (2025)
Deeds & Mortgages	Jun 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`004-235-006-0000`

Property Details

APN / Parcel Number

Primary APN	`004-235-006-0000`

Interior

Full Baths	1 Bath
Building Area	1,615 sqft Building Perimeter
1st Floor Area	1,615 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Architectural Style	Ranch
Lot Area	13,939 sqft (0.32 acres)
Garage Area	720 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	3985 E HIGGINS LAKE DR
City	ROSCOMMON
State	MI
Zip	48653-9370
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	L-1052 P-763 (L-635 P-489) 243 3985 E HIGGINS LK DRLOT 6 HIGGINS WOODS SUBD.
Legal Subdivision	HIGGINS WOODS SUBDIVISION
Legal Lot Number	6
Jurisdiction	ROSCOMMON MI
Township / Civil Division	GERRISH
Census Block Group	1
Census Block	1029
Census Tract	970401

Owner

Source: Roscommon County records, as of June 29, 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	929 COGSWELL ST NW, GRAND RAPIDS, MI 49544-2816
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 8, 2025 · Amount on Record
Deed Sale	Aug 8, 2025 · Amount on Record
Prior Sale	Jun 30, 2021 · Amount on Record
Deed Document Number	20255330
Deed Book / Page	1190 / 2652
Record Updated	Sep 20, 2026

June 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ROSCOMMON MI
Recording Date	Jun 30, 2021
Property Address	3985 E HIGGINS LAKE DR, ROSCOMMON, MI 48653-9370
Document Number	001177/872
Book / Page	1177 / 872
Instrument Date	Jun 23, 2021
Instrument	202100006103
Transaction Type	Transfer
Record Updated	Jan 17, 2022

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
Relationship	Joint Tenants with Right of Survivorship
Address	2511 19TH WYANDOTTE, WYANDOTTE, MI 48192-4423

Mortgage

Document Number	202100006104
Date	Jun 30, 2021
Instrument	202100006104

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

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		$117,700 (+63.7%)	$235,400 (+63.7%)
2025	$3,221.00
2023		$71,900	$143,800

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are 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	0.01% annual chance
Exposure	Direct burnable vegetation

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	LAKESHORE EAST CONDOMINIUMS private · serves 84 people · EPA ID MI0003145
Water Source	Groundwater
Last State Inspection	Mar 2025

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 180 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000

May also be available: Verizon.

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