4261 E Higgins Lake Dr, Roscommon, MI 48653 Property Records

Roscommon County property record for 4261 E Higgins Lake Dr, Roscommon, MI 48653

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,472 sqft · built 1930
Lot Size	1 acres (43,560 sqft)
Owner	Individual Name on Record
Last Sale	$235,000 (Oct 2023)
Tax Bill	$3,209 (2025)
Deeds & Mortgages	Apr 2009 Mortgage Oct 2024 Refinance + 3 more
Flood Zone	Zone X (minimal risk)
APN	`004-016-013-0470`

Property Details

APN / Parcel Number

Primary APN	`004-016-013-0470`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Building Area	1,472 sqft Building Perimeter
1st Floor Area	1,148 sqft
Basement Area	432 sqft
Unfinished Basement	432 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1930
Effective Year Built	Effective 1930
Lot Area	43,560 sqft (1 acres)
Garage Area	276 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	4261 E HIGGINS LAKE DR
City	ROSCOMMON
State	MI
Zip	48653-9374
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	L-1050 P-1766 (L-1048P-1258L-619P-677) 243 COM AT SE 1/4 OF NE 1/4 OF SE 1/4 SEC 16TH N0DEG43'15"E 204.6FT FOR POB TH S89
Jurisdiction	ROSCOMMON MI
Township / Civil Division	GERRISH
Census Block Group	1
Census Block	1039
Census Tract	970401

Owner

Source: Roscommon County records, as of June 29, 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	1287 N KELLOGG RD, HOWELL, MI 48843-9023
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 20, 2009	Deed of Trust, Mortgage FIFTH THIRD BANK NORTHERN MICHIGAN
Oct 24, 2024	Deed of Trust, Mortgage · Stand-Alone Refinance UNITED WHOLESALE MORTGAGE
Oct 3, 2023	Warranty Deed, Transfer · Stand-Alone First Mortgage UNITED WHOLESALE MORTGAGE
Sep 14, 2018	Warranty Deed, Transfer
Sep 14, 2018	Warranty Deed, Transfer ACADEMY MORTGAGE CORPORATION

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 3, 2023 · Amount on Record
Deed Sale	Oct 3, 2023 · Amount on Record
Prior Sale	Sep 14, 2018 · Amount on Record
Deed Document Number	20236385
Deed Book / Page	1185 / 1355
Record Updated	Sep 20, 2026

April 2009: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROSCOMMON MI
Property Address	4261 E HIGGINS LAKE DR, ROSCOMMON, MI 48653-9374
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	01082/0715
Date	Apr 20, 2009
Book Page	1082/0715
Instrument	200900002770

Lender

Name	FIFTH THIRD BANK NORTHERN MICHIGAN
Type	Bank
Address	48546

Agreement

Amount	Amount Recorded
Term	120 Months
Due	Apr 1, 2019

October 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROSCOMMON MI
Property Address	4261 E HIGGINS LAKE DR, ROSCOMMON, MI 48653-9374
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	01188/1409
Date	Oct 24, 2024
Book Page	1188/1409
Instrument	202400006617

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2054

October 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ROSCOMMON MI
Recording Date	Oct 3, 2023
Property Address	4261 E HIGGINS LAKE DR, ROSCOMMON, MI 48653-9374
Document Number	01185/1355
Book / Page	1185 / 1355
Instrument Date	Sep 25, 2023
Instrument	202300006385
Transaction Type	Transfer
Record Updated	Apr 3, 2026

Transaction

Amount	Amount Recorded
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	1287 N KELLOGG RD, HOWELL, MI 48843-9023

Mortgage

Document Number	202300006299
Date	Oct 3, 2023
Instrument	202300006299

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2053

Mortgage

Document Number	01185/1269
Date	Sep 29, 2023
Book Page	1185/1269
Instrument	202300006299

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2053

September 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ROSCOMMON MI
Recording Date	Sep 14, 2018
Property Address	4261 E HIGGINS LAKE DR, ROSCOMMON, MI 48653-9374
Document Number	1167/425
Book / Page	1167 / 425
Instrument Date	Sep 13, 2018
Instrument	201800007072
Transaction Type	Transfer
Record Updated	Jun 24, 2021

Transaction

Amount	Amount Recorded
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	7731 OSAGE AVE, ALLEN PARK, MI 48101-2488

September 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ROSCOMMON MI
Recording Date	Sep 14, 2018
Property Address	4261 E HIGGINS LAKE DR, ROSCOMMON, MI 48653-9374
Document Number	001167/425
Book / Page	1167 / 425
Instrument Date	Sep 13, 2018
Instrument	201800007072
Transaction Type	Transfer
Record Updated	Nov 21, 2024

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	7731 OSAGE AVE, ALLEN PARK, MI 48101-2488

Mortgage

Document Number	0000001167/0000000426
Date	Sep 14, 2018
Book Page	0000001167/0000000426
Instrument	201800007073

Lender

Name	ACADEMY MORTGAGE CORPORATION
Type	Mortgage Company

Agreement

Amount	Amount Recorded
Term	352 Months
Due	Jan 1, 2048

Tax Assessment & Valuation

Source: Roscommon County assessment roll, as of June 29, 2026

Property Jurisdictions

Type	Name
State	Michigan
County	Roscommon County
County Subdivision	Gerrish Township
Unified School District	Roscommon Area Public Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$80,500 (+49.35%)	$161,000 (+49.35%)
2025	$3,209.00
2023		$53,900	$107,800

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective January 18, 2012

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

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

Wildfire Risk	Low lower than 64% of the US · above 89% of Michigan
Wildfire Likelihood	0.02% 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 32 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Starlink Satellite	280 / 30

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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