400 Illinois Ave, Roscommon, MI 48653 Property Records

Roscommon County property record for 400 Illinois Ave, Roscommon, MI 48653

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,008 sqft · built 1984
Lot Size	0.55 acres (23,958 sqft)
Owner	2 Individual Names on File
Last Sale	$192,000 (Aug 2024)
Tax Bill	$2,698 (2025)
Deeds & Mortgages	Feb 2026 Line of Credit Aug 2024 Refinance + 4 more
Flood Zone	Zone X (minimal risk)
APN	`004-392-001-1000`

Property Details

APN / Parcel Number

Primary APN	`004-392-001-1000`

Interior

Full Baths	1 Bath
Building Area	1,008 sqft Building Perimeter
1st Floor Area	1,008 sqft

Exterior

Year Built	Built 1984
Effective Year Built	Effective 1984
Architectural Style	Ranch
Lot Area	23,958 sqft (0.55 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	400 ILLINOIS AVE
City	ROSCOMMON
State	MI
Zip	48653-8955
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	1162/490 1160/2674 1092/63 1089/1536 1089/146 L1013/P1667 742/296 L701/P449 243 LOTS 1 TO 6 INCL BLK 2 AND LOTS 37 TO 42 INCL
Legal Subdivision	MAPLEHURST
Legal Block	2
Jurisdiction	ROSCOMMON MI
Township / Civil Division	GERRISH
Census Block Group	1
Census Block	1031
Census Tract	970401

Owner

400 Illinois Ave is owned and occupied by two individuals who acquired it in December 2025.

Source: Roscommon County records, as of October 16, 2026

Owner of Record	2 Individual Names on File
Mailing Address	400 ILLINOIS AVE, ROSCOMMON, MI 48653-8955
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Life Estate

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
Feb 13, 2026	Deed of Trust, Mortgage · Line of Credit THE HUNTINGTON NATIONAL BANK
Aug 5, 2024	Deed of Trust, Mortgage · Stand-Alone Refinance VETERANS UNITED HOME LOANS
May 8, 2006	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS INC
Jan 5, 2026	Quit Claim Deed, Transfer Quitclaim
Dec 21, 2016	Warranty Deed, Transfer TRANSNATION TITLE AGENCY
Apr 1, 2010	Deed, Transfer · Conventional Mortgage NORTH CENTRAL AREA CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 5, 2024 · Amount on File
Deed Sale	Aug 5, 2024 · Amount on File
Prior Sale	Dec 21, 2016 · Amount on File
Deed Document Number	20244798
Deed Book / Page	1187 / 2289
Last Transfer Date	Dec 18, 2025
Transfer Doc	01192/0570
Record Updated	Oct 29, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROSCOMMON MI
Property Address	400 ILLINOIS AVE, ROSCOMMON, MI 48653-8955
Transaction Type	Mortgage
Record Updated	Jun 29, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	01192/1262
Date	Feb 13, 2026
Book Page	1192/1262
Instrument	202600000768

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2056

August 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROSCOMMON MI
Property Address	400 ILLINOIS AVE, ROSCOMMON, MI 48653-8955
Transaction Type	Mortgage
Record Updated	Jun 29, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	01187/2290
Date	Aug 5, 2024
Book Page	1187/2290
Instrument	202400004799

Lender

Name	VETERANS UNITED HOME LOANS
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2054

May 2006: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROSCOMMON MI
Property Address	400 ILLINOIS AVE, ROSCOMMON, MI 48653-8955
Transaction Type	Mortgage
Record Updated	Jun 29, 2026
Title Company	TITLE SOURCES INC, TITLE SOURCE INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	01043/0340
Date	May 8, 2006
Book Page	1043/0340
Instrument	200600003848

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution
Address	LIVONIA, MI 48152

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2036

January 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ROSCOMMON MI
Recording Date	Jan 5, 2026
Property Address	400 ILLINOIS AVE, ROSCOMMON, MI 48653-8955
Document Number	01192/0570
Book / Page	1192 / 0570
Instrument Date	Dec 18, 2025
Instrument	202600000076
Transaction Type	Transfer
Record Updated	Jun 29, 2026

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	322 VOGEL ST, BOYNE CITY, MI 49712-1132

December 2016: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ROSCOMMON MI
Recording Date	Dec 21, 2016
Property Address	400 ILLINOIS AVE, ROSCOMMON, MI 48653-8955
Document Number	01160/2674
Book / Page	1160 / 2674
Map Reference	LB 1 PL PG 26
Instrument Date	Dec 20, 2016
Instrument	201600009157
Transaction Type	Transfer
Record Updated	Jun 29, 2026
Title Company	TRANSNATION TITLE AGENCY

Transaction

Amount	Amount on Record
Tax	$59.40
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	400 ILLINOIS AVE, ROSCOMMON, MI 48653-8955

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	22298 NATALIE DR, MACOMB, MI 48042-3823
Investor	Possibly a Property Investor

April 2010: Deed, Transfer

Document Type	Deed
Jurisdiction	ROSCOMMON MI
Recording Date	Apr 1, 2010
Property Address	400 ILLINOIS AVE, ROSCOMMON, MI 48653-8955
Document Number	01092/0063
Book / Page	1092 / 0063
Map Reference	LB1 PG26
Instrument Date	Mar 30, 2010
Instrument	201000002009
Transaction Type	Transfer
Record Updated	Jun 29, 2026
Title Company	ETITLE AGENCY INC

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
Address	PO BOX 650043, DALLAS, TX 75265-0043

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	99 ARGUS CT, ROSCOMMON, MI 48653-8905

Mortgage

Document Number	201000002010
Date	Apr 1, 2010
Instrument	201000002010

Lender

Name	NORTH CENTRAL AREA CU

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2040

Tax Assessment & Valuation

The 2025 property tax bill for 400 Illinois Ave was $2,698 with a homeowner's exemption, up 13.8% from the year before.

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		$99,500 (+9.22%)	$199,000 (+9.22%)
2025	$2,698.00 (+13.84%)	$91,100	$182,200
2024	$2,370.00
2023		$61,300	$122,600

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

FEMA maps place 400 Illinois Ave 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 400 Illinois Ave is low, with 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 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 165 locations within half a mile, as of December 31, 2025

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

Cell Coverage

5G (outdoors only) and 4G LTE

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