4097 S River Rd, Cheboygan, MI 49721 Property Records

Cheboygan County property record for 4097 S River Rd, Cheboygan, MI 49721

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 2,640 sqft
Lot Size	15.6 acres (682,585 sqft)
Owner	2 Individual Names on Record
Tax Bill	$2,673 (2025)
Deeds & Mortgages	Jul 2026 Mortgage Jul 2026 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`151-018-200-003-01`

Property Details

APN / Parcel Number

Primary APN	`151-018-200-003-01`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Building Area	2,640 sqft Building Perimeter
1st Floor Area	1,320 sqft

Exterior

Lot Area	682,585 sqft (15.6 acres)
Garage Area	576 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	4097 S RIVER RD
City	CHEBOYGAN
State	MI
Zip	49721-9575
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	COM NE COR SEC 18, T36N,R1E; TH W 861.32FT TO POB; TH S 0D 24' 44" W 208.83FT; TH N 89D 58' 32" E 204.27FT; TH S 0D 22' 18" W
Legal Range	01E
Legal Township	036
Legal Section	18
Jurisdiction	CHEBOYGAN MI
Township / Civil Division	GRANT
Census Block Group	1
Census Block	1065
Census Tract	960401

Owner

Source: Cheboygan County records, as of August 3, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	4150 WARTELLA RD, CHEBOYGAN, MI 49721-8103
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 8, 2026	Warranty Deed, Transfer · Conventional Mortgage CITIZENS NATIONAL BANK
Jul 8, 2026	Deed of Trust, Mortgage · Conventional Mortgage CITIZENS NATIONAL BANK
Aug 5, 2022	Quit Claim Deed, Transfer Quitclaim
Aug 5, 2022	Warranty Deed, Transfer · VA Mortgage AMERIFIRST FINANCIAL

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 8, 2026
Deed Sale	Jul 8, 2026
Prior Sale	Aug 5, 2022 · Amount on Record
Deed Book / Page	1586 / 577
Prior Transfer Date	Aug 2, 2022
Prior Transfer Doc	001490/101
Record Updated	Sep 20, 2026

July 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEBOYGAN MI
Recording Date	Jul 8, 2026
Property Address	4097 S RIVER RD, CHEBOYGAN, MI 49721-9575
Document Number	1586000577
Book / Page	1586 / 577
Instrument Date	Jul 1, 2026
Transaction Type	Transfer
Record Updated	Jul 20, 2026

Transaction

Tax	$0.00
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4150 WARTELLA RD, CHEBOYGAN, MI 49721-8103

Mortgage

Document Number	1586000580,
Date	Jul 8, 2026
Book Page	1586/580

Lender

Name	CITIZENS NATIONAL BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2056

Interest

Rate	6.48%
Max Rate	-1%

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEBOYGAN MI
Recording Date	Jul 8, 2026
Property Address	4097 S RIVER RD, CHEBOYGAN, MI 49721-9575
Document Number	1586000580
Book / Page	1586 / 580
Instrument Date	Jul 1, 2026
Transaction Type	Mortgage
Record Updated	Aug 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4150 WARTELLA RD, CHEBOYGAN, MI 49721-8103

Mortgage

Document Number	1586000580,
Date	Jul 8, 2026
Book Page	1586/580

Lender

Name	CITIZENS NATIONAL BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2056

Interest

Rate	6.48%
Max Rate	-1%

August 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CHEBOYGAN MI
Recording Date	Aug 5, 2022
Property Address	4097 S RIVER RD, CHEBOYGAN, MI 49721-9575
Document Number	001490/101
Book / Page	1490 / 101
Instrument Date	Aug 2, 2022
Transaction Type	Transfer
Record Updated	Nov 15, 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	4097 S RIVER RD, CHEBOYGAN, MI 49721-9575

August 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEBOYGAN MI
Recording Date	Aug 5, 2022
Property Address	4097 S RIVER RD, CHEBOYGAN, MI 49721-9575
Document Number	001490/103
Book / Page	1490 / 103
Instrument Date	Aug 2, 2022
Transaction Type	Transfer
Record Updated	Aug 19, 2022

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	3431 N BLACK RIVER RD, CHEBOYGAN, MI 49721-9274

Mortgage

Document Number	0001489105
Date	Aug 5, 2022
Instrument	1489/105

Lender

Name	AMERIFIRST FINANCIAL

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	353 Months
Due	Jan 1, 2052

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$169,700 (+7.47%)	$339,400 (+7.47%)
2025	$2,673.00 (+3.05%) Homeowner's exemption	$157,900 (+39.36%)	$315,800 (+39.36%)
2024	$2,594.00 (+55.98%)
2023		$113,300	$226,600
2022	$1,663.00

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
Nearby Flood Claims	1 (2026)
Most Recent Claim	Apr 2026 · Severe Storms, Tornadoes, And Flooding

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	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 9 locations within half a mile, as of December 31, 2025

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

Cell Coverage

5G and 4G LTE (outdoors only)

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