400 N Ball St, Cheboygan, MI 49721 Property Records

Cheboygan County property record for 400 N Ball St, Cheboygan, MI 49721

Property Summary

Property Type	Single Family Home
Lot Size	0.13 acres (5,663 sqft)
Owner	Individual Name on Record
Last Sale	$120,000 (Jun 2023)
Tax Bill	$1,907 (2025)
Deeds & Mortgages	Jun 2023 Sale & Mortgage Dec 2022 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`054-P39-007-019-00`

Property Details

APN / Parcel Number

Primary APN	`054-P39-007-019-00`

Exterior

Lot Area	5,663 sqft (0.13 acres)

Location & Zoning

Street Address	400 N BALL ST
City	CHEBOYGAN
State	MI
Zip	49721-1576
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SUPERVISOR J M PENNELL'S FIRST ADDITION TO THE CITY OF CHEBOYGAN, LOT 20, BLK 7 *EXC: A NLY STRIP OFF LOT 20, BLK 7, BEING
Legal Range	01W
Legal Township	020
Legal Section	31
Legal Subdivision	SUPRVRS JM PENNELLS 1ST ADD
Legal Block	7
Legal Lot Number	20,22
Jurisdiction	CHEBOYGAN MI
Township / Civil Division	CHEBOYGAN
Census Block Group	2
Census Block	2033
Census Tract	960200

Owner

Source: Cheboygan County records, as of June 16, 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	400 N BALL ST, CHEBOYGAN, MI 49721-1576
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 7, 2023	Warranty Deed, Transfer · Conventional Mortgage MERCANTILE BANK
Dec 14, 2022	Quit Claim Deed, Transfer Quitclaim
Aug 17, 2021	Warranty Deed, Transfer · VA Mortgage USAA FEDERAL SAVINGS BANK
Feb 12, 2021	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 7, 2023 · Amount on Record
Deed Sale	Jun 7, 2023 · Amount on Record
Prior Sale	Aug 17, 2021 · Amount on Record
Deed Book / Page	1509 / 243
Prior Transfer Date	Dec 9, 2022
Prior Transfer Doc	0001499/25
Record Updated	Sep 20, 2026

June 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEBOYGAN MI
Recording Date	Jun 7, 2023
Property Address	400 N BALL ST, CHEBOYGAN, MI 49721-1576
Document Number	001509/243
Book / Page	1509 / 243
Instrument Date	Jun 2, 2023
Transaction Type	Transfer
Record Updated	Jun 19, 2023

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	4645 HOWARD RD, PETOSKEY, MI 49770-8813

Mortgage

Document Number	0001509245
Date	Jun 7, 2023
Instrument	1509/245

Lender

Name	MERCANTILE BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	355 Months
Due	Jan 1, 2053

December 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CHEBOYGAN MI
Recording Date	Dec 14, 2022
Property Address	400 N BALL ST, CHEBOYGAN, MI 49721-1576
Document Number	0001499/25
Book / Page	1499 / 25
Instrument Date	Dec 9, 2022
Transaction Type	Transfer
Record Updated	Dec 26, 2022

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	400 N BALL ST, CHEBOYGAN, MI 49721-1576

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEBOYGAN MI
Recording Date	Aug 17, 2021
Property Address	400 N BALL ST, CHEBOYGAN, MI 49721-1576
Document Number	001459/390
Book / Page	1459 / 390
Instrument Date	Jul 22, 2021
Transaction Type	Transfer
Record Updated	Jun 16, 2022

Transaction

Amount	Amount Recorded
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	35 RENEE DR, COLCHESTER, CT 06415-2731

Mortgage

Document Number	0001459393
Date	Aug 17, 2021
Instrument	1459/393

Lender

Name	USAA FEDERAL SAVINGS BANK

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	353 Months
Due	Jan 1, 2051

February 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEBOYGAN MI
Recording Date	Feb 12, 2021
Property Address	400 N BALL ST, CHEBOYGAN, MI 49721-1576
Document Number	001440/243
Book / Page	1440 / 243
Instrument Date	Nov 26, 2020
Transaction Type	Transfer
Record Updated	Nov 15, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1076 HACKMATACK RD, CHEBOYGAN, MI 49721-9294

Tax Assessment & Valuation

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		$63,500 (+18.25%)	$127,000 (+18.25%)
2025	$1,907.00 (+1.22%) Homeowner's exemption	$53,700 (+39.84%)	$107,400 (+39.84%)
2024	$1,884.00 (+58.19%)
2023		$38,400	$76,800
2022	$1,191.00

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 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

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

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

Wildfire Risk	Not rated no burnable land within 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 343 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Starlink Satellite	280 / 30

May also be available: T-Mobile, Verizon.

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