4096 Edgewater Dr, Cheboygan, MI 49721 Property Records

Cheboygan County property record for 4096 Edgewater Dr, Cheboygan, MI 49721

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,326 sqft
Lot Size	0.43 acres (18,731 sqft)
Owner	Individual Name on File
Last Sale	$390,000 (Jan 2023)
Tax Bill	$4,476 (2025)
Deeds & Mortgages	Jan 2023 Sale Sep 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`041-P06-600-001-05`

Property Details

APN / Parcel Number

Primary APN	`041-P06-600-001-05`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	2,326 sqft Living Area
1st Floor Area	1,828 sqft
Basement Area	996 sqft
Unfinished Basement	996 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Architectural Style	Ranch
Lot Area	18,731 sqft (0.43 acres)
Garage Area	528 sqft

Location & Zoning

Street Address	4096 EDGEWATER DR
City	CHEBOYGAN
State	MI
Zip	49721-8470
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PLAT OF POINT NIP-I-GON ON THE STRAITS, LOTS 5, 6 & W1/2 OF LOTS 4 & 7, BLK 6. (SECS 4&5, T38N,R2W) CERT 3 ISSUED 10-1-90
Legal Range	02W
Legal Township	038
Legal Section	04
Legal Subdivision	POINT NIP-I-GON ON THE STRAITS
Legal Lot Number	4-7
Jurisdiction	CHEBOYGAN MI
Township / Civil Division	BEAUGRAND
Census Block Group	1
Census Block	1068
Census Tract	960100

Owner

4096 Edgewater Dr is owned and occupied by an individual who bought it in January 2023.

Source: Cheboygan County records, as of June 16, 2026

Owner of Record	Individual Name on File
Mailing Address	4131 EDGEWATER DR, CHEBOYGAN, MI 49721-8477
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.

Deeds, Mortgages & Sale History

Date	Document
Jan 31, 2023	Warranty Deed, Transfer
Sep 28, 2021	Deed of Trust, Mortgage · VA Mortgage ROCKET MORTGAGE
Aug 5, 2020	Warranty Deed, Transfer · VA Mortgage USAA FEDERAL CREDIT UNION
Sep 4, 2019	Warranty Deed, Transfer ATTORNEY'S TITLE, ATTORNEYS TITLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 31, 2023 · Amount on File
Deed Sale	Jan 31, 2023 · Amount on File
Prior Sale	Aug 5, 2020 · Amount on File
Deed Book / Page	1501 / 766
Record Updated	Sep 20, 2026

January 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEBOYGAN MI
Recording Date	Jan 31, 2023
Property Address	4096 EDGEWATER DR, CHEBOYGAN, MI 49721-8470
Document Number	001501/766
Book / Page	1501 / 766
Instrument Date	Jan 26, 2023
Transaction Type	Transfer
Record Updated	Feb 10, 2023

Transaction

Amount	Amount 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	4131 EDGEWATER DR, CHEBOYGAN, MI 49721-8477

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEBOYGAN MI
Property Address	4096 EDGEWATER DR, CHEBOYGAN, MI 49721-8470
Transaction Type	Mortgage
Record Updated	Oct 25, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4096 EDGEWATER DR, CHEBOYGAN, MI 49721-8470

Mortgage

Document Number	0000001462/0000000892
Date	Sep 28, 2021
Book Page	0000001462/0000000892

Lender

Name	ROCKET MORTGAGE

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2051

August 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEBOYGAN MI
Recording Date	Aug 5, 2020
Property Address	4096 EDGEWATER DR, CHEBOYGAN, MI 49721-8470
Document Number	1420/48
Book / Page	1420 / 48
Instrument Date	Jul 21, 2020
Transaction Type	Transfer
Record Updated	Jun 1, 2021

Transaction

Amount	Amount 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	4096 EDGEWATER DR, CHEBOYGAN, MI 49721-8470

Mortgage

Document Number	142050
Date	Aug 5, 2020
Instrument	1420/50

Lender

Name	USAA FEDERAL CREDIT UNION

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	353 Months
Due	Jan 1, 2050

September 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEBOYGAN MI
Recording Date	Sep 4, 2019
Property Address	4096 EDGEWATER DR, CHEBOYGAN, MI 49721-8470
Document Number	1393/335
Book / Page	1393 / 335
Instrument Date	Aug 30, 2019
Transaction Type	Transfer
Record Updated	Jun 1, 2021
Title Company	ATTORNEY'S TITLE, ATTORNEYS TITLE

Transaction

Amount	Amount 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	450 BROOKLIN WAY, PIGEON FORGE, TN 37863-5220
Investor	Possibly a Property Investor

Tax Assessment & Valuation

The 2025 property tax bill for 4096 Edgewater Dr was $4,476 with a homeowner's exemption.

Source: Cheboygan County assessment roll, as of June 16, 2026

Property Jurisdictions

Type	Name
State	Michigan
County	Cheboygan County
County Subdivision	Beaugrand Township
Unified School District	Cheboygan Area Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$218,100	$436,200
2025	$4,476.00
2023		$174,100	$348,200
2022	$25.00

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

FEMA maps place 4096 Edgewater Dr in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone VE, within 500 ft
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

Wildfire risk around 4096 Edgewater Dr 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 25 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Presque Isle Connect Fiber	1,000 / 1,000
Spectrum Cable	1,000 / 35

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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