Kalkaska County property record for 409 S Cherry St, Kalkaska, MI 49646
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,291 sqft · built 1900 |
| Lot Size | 0.218 acres (9,529 sqft) |
| Owner | Individual Name on File |
| Last Sale | $65,000 (Jan 2020) |
| Tax Bill | $1,151 (2025) |
| Deeds & Mortgages | Aug 2023 Mortgage Jan 2020 Refinance + 3 more |
| APN | 041-723-005-00 |
| Primary APN | 041-723-005-00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Building Area | 1,291 sqft Living Area |
| 1st Floor Area | 1,012 sqft |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Lot Area | 9,529 sqft (0.218 acres) |
| Heating System | Forced Air with A/C |
|---|
| Street Address | 409 S CHERRY ST |
|---|---|
| City | KALKASKA |
| State | MI |
| Zip | 49646-7961 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 5 BLK D VILL OF KALKASKA SEC 17 T27N-R7W |
| Legal Range | 07W |
| Legal Township | 27N |
| Legal Section | 17 |
| Legal Subdivision | VILL OF KALKASKA |
| Legal Block | D |
| Legal Lot Number | 5 |
| Jurisdiction | KALKASKA MI |
| Township / Civil Division | KALKASKA |
| Census Block Group | 2 |
| Census Block | 2052 |
| Census Tract | 950300 |
409 S Cherry St is owned and occupied by an individual who bought it in January 2020.
Source: Kalkaska County records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 409 S CHERRY ST, KALKASKA, MI 49646-7961 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
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 |
|---|---|
| Aug 4, 2023 | Deed of Trust, Mortgage STATE SAVINGS BANK |
| Jan 28, 2020 | Deed of Trust, Mortgage · Stand-Alone Refinance STATE SAVINGS BANK |
| Jul 23, 2024 | Warranty Deed, Transfer · Conventional Mortgage 4FRONT CU |
| Aug 11, 2023 | Affidavit, Transfer NOT AVAILABLE, WOODLAND TITLE |
| Jan 23, 2020 | Warranty Deed, Transfer · Stand-Alone Refinance STATE SAVINGS BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jan 23, 2020 · Amount on File |
| Deed Sale | Jan 23, 2020 · Amount on File |
| Deed Document Number | 20203148924 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KALKASKA MI |
| Property Address | 409 S CHERRY ST, KALKASKA, MI 49646-7961 |
| Transaction Type | Mortgage |
| Record Updated | May 26, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0003169235 |
|---|---|
| Date | Aug 4, 2023 |
| Instrument | 3169235 |
| Name | STATE SAVINGS BANK |
|---|---|
| Type | Bank |
| Amount | Amount on Record |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KALKASKA MI |
| Property Address | 409 S CHERRY ST, KALKASKA, MI 49646-7961 |
| Transaction Type | Mortgage |
| Record Updated | May 26, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0003149021 |
|---|---|
| Date | Jan 28, 2020 |
| Instrument | 3149021 |
| Name | STATE SAVINGS BANK |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KALKASKA MI |
| Recording Date | Jul 23, 2024 |
| Property Address | 409 S CHERRY ST, KALKASKA, MI 49646-7961 |
| Document Number | 0003173819 |
| Instrument Date | Jul 19, 2024 |
| Instrument | 3173819 |
| Transaction Type | Transfer |
| Record Updated | Oct 27, 2025 |
| 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 | 608 CRYSTAL BEACH RD NW, RAPID CITY, MI 49676 |
| Document Number | 0003173820 |
|---|---|
| Date | Jul 23, 2024 |
| Instrument | 3173820 |
| Name | 4FRONT CU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Aug 1, 2054 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 0.06% |
| Document Type | Affidavit |
|---|---|
| Jurisdiction | KALKASKA MI |
| Recording Date | Aug 11, 2023 |
| Property Address | 409 S CHERRY ST, KALKASKA, MI 49646-7961 |
| Document Number | 0003169317 |
| Instrument Date | Aug 9, 2023 |
| Instrument | 3169317 |
| Transaction Type | Transfer |
| Record Updated | Sep 5, 2023 |
| Title Company | NOT AVAILABLE, WOODLAND TITLE |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KALKASKA MI |
| Recording Date | Jan 23, 2020 |
| Property Address | 409 S CHERRY ST, KALKASKA, MI 49646-7961 |
| Document Number | 0003148924 |
| Instrument Date | Jan 17, 2020 |
| Instrument | 3148924 |
| Transaction Type | Transfer |
| Record Updated | Jun 20, 2023 |
| 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 | 409 D CHERRY ST, D, KALKASKA, MI 49646 |
| Document Number | 0003149021 |
|---|---|
| Date | Jan 28, 2020 |
| Instrument | 3149021 |
| Name | STATE SAVINGS BANK |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
The 2025 property tax bill for 409 S Cherry St was $1,151 with a homeowner's exemption, down 20.3% from the year before.
Source: Kalkaska County assessment roll, as of June 2, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Kalkaska County |
| County Subdivision | Kalkaska Township |
| Municipality | Kalkaska Village |
| Unified School District | Kalkaska Public Schools (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $53,600 (+11.2%) | $107,200 (+11.2%) | |
| 2025 | $1,151.00 (-20.29%) | $48,200 | $96,400 |
| 2024 | $1,444.00 (+11.68%) | ||
| 2023 | $1,293.00 | $34,700 | $69,400 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA has no flood map on file for 409 S Cherry St.
Source: FEMA National Flood Hazard Layer
| FEMA Flood Zone | Not on file |
|---|
Values are read at the parcel center point; lenders make the official flood determination.
Wildfire risk around 409 S Cherry St 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 | Indirect within 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 | VILLAGE OF KALKASKA serves 2,020 people · EPA ID MI0003560 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Sep 2024 |
| 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.
Source: FCC Broadband Data Collection, based on 141 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 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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