Cheboygan County property record for 400 S Palmyra St, Cheboygan, MI 49721
| Property Type | Single Family Home |
|---|---|
| Lot Size | 0.6 acres (26,136 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $135,000 (Jul 2021) |
| Tax Bill | $2,285 (2025) |
| Deeds & Mortgages | Jul 2021 Sale & Mortgage Sep 2019 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 054-P40-003-004-02 |
| Primary APN | 054-P40-003-004-02 |
|---|
| Lot Area | 26,136 sqft (0.6 acres) |
|---|
| Street Address | 400 S PALMYRA ST |
|---|---|
| City | CHEBOYGAN |
| State | MI |
| Zip | 49721-1417 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | PLAT OF SUPERVISOR J M PENNELL'S SECOND ADDITION TO THE CITY OF CHEBOYGAN, PT OF LOT 2, BLK 3, DESC AS: COM SE COR SD PLAT & |
| Legal Range | 02W |
| Legal Township | 002 |
| Legal Section | 36 |
| Legal Subdivision | SUPRVRS JM PENNELLS 2ND ADD |
| Legal Block | 3 |
| Legal Lot Number | 2 |
| Jurisdiction | CHEBOYGAN MI |
| Township / Civil Division | CHEBOYGAN |
| Census Block Group | 3 |
| Census Block | 3010 |
| Census Tract | 960200 |
400 S Palmyra St is owned and occupied by two individuals who bought it in July 2021.
Source: Cheboygan County records, as of June 16, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 400 S PALMYRA ST, CHEBOYGAN, MI 49721-1417 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jul 12, 2021 | Warranty Deed, Transfer · VA Mortgage AMERIFIRST FINANCIAL |
| Sep 3, 2019 | Deed of Trust, Mortgage STRAITS AREA FEDERAL CREDIT UN |
| May 18, 2018 | Lease, Transfer |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 12, 2021 · Amount on File |
| Deed Sale | Jul 12, 2021 · Amount on File |
| Prior Sale | Jun 8, 2000 · Amount on File |
| Deed Book / Page | 1455 / 260 |
| Prior Transfer Date | Apr 16, 2018 |
| Prior Transfer Doc | 1359/824 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CHEBOYGAN MI |
| Recording Date | Jul 12, 2021 |
| Property Address | 400 S PALMYRA ST, CHEBOYGAN, MI 49721-1417 |
| Document Number | 1455/260 |
| Book / Page | 1455 / 260 |
| Instrument Date | Jul 9, 2021 |
| Transaction Type | Transfer |
| Record Updated | Aug 2, 2021 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3048 N WEBB RD, HESSEL, MI 49745-8508 |
| Document Number | 1455271 |
|---|---|
| Date | Jul 12, 2021 |
| Instrument | 1455/271 |
| Name | AMERIFIRST FINANCIAL |
|---|
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 354 Months |
| Due | Jan 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHEBOYGAN MI |
| Property Address | 400 S PALMYRA ST, CHEBOYGAN, MI 49721-1417 |
| Transaction Type | Mortgage |
| Record Updated | Apr 29, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000001393/0000000136 |
|---|---|
| Date | Sep 3, 2019 |
| Book Page | 0000001393/0000000136 |
| Name | STRAITS AREA FEDERAL CREDIT UN |
|---|
| Amount | Amount on Record |
|---|---|
| Term | 112 Months |
| Due | Jan 1, 2029 |
| Document Type | Lease |
|---|---|
| Jurisdiction | CHEBOYGAN MI |
| Recording Date | May 18, 2018 |
| Property Address | 400 S PALMYRA ST, CHEBOYGAN, MI 49721-1417 |
| Document Number | 1359/824 |
| Book / Page | 1359 / 824 |
| Instrument Date | Apr 16, 2018 |
| Transaction Type | Transfer |
| Record Updated | Jun 1, 2021 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 400 S PALMYRA ST, CHEBOYGAN, MI 49721-1417 |
The 2025 property tax bill for 400 S Palmyra St was $2,285 with a homeowner's exemption, up 1.2% from the year before.
Source: Cheboygan County assessment roll, as of June 16, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Cheboygan County |
| Municipality | Cheboygan City |
| Unified School District | Cheboygan Area Schools (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $78,200 (+13.83%) | $156,400 (+13.83%) | |
| 2025 | $2,285.00 (+1.24%) Homeowner's exemption | $68,700 | $137,400 |
| 2024 | $2,257.00 | ||
| 2023 | $51,800 | $103,600 | |
| 2022 | $2,132.00 |
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.
FEMA maps place 400 S Palmyra St in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective July 20, 2022
| 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 risk around 400 S Palmyra 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 98% of the US · lower than 95% 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 262 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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