428 Cedar St, Cheboygan, MI 49721 Property Records

Cheboygan County property record for 428 Cedar St, Cheboygan, MI 49721

Property Summary

Property Type	Single Family Home
Lot Size	0.76 acres (33,106 sqft)
Owner	2 Individual Names on File
Last Sale	$37,500 (Aug 2018)
Tax Bill	$2,301 (2025)
Deeds & Mortgages	Jul 2026 Mortgage Jun 2023 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`052-P38-010-001-00`

Property Details

APN / Parcel Number

Primary APN	`052-P38-010-001-00`

Exterior

Lot Area	33,106 sqft (0.76 acres)

Location & Zoning

Street Address	428 CEDAR ST
City	CHEBOYGAN
State	MI
Zip	49721-1308
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PLAT OF R PATTERSON'S FIFTH ADDITION TO THE VILLAGE OF CHEBOYGAN, LOTS 1, 2, 3 & 4, BLK 10. (SEC 32, T38N,R1W)
Legal Range	01W
Legal Township	038
Legal Section	32
Legal Subdivision	R PATTERSONS 5TH ADD
Legal Lot Number	1-4
Jurisdiction	CHEBOYGAN MI
Township / Civil Division	CHEBOYGAN
Census Block Group	1
Census Block	1064
Census Tract	960300

Owner

428 Cedar St is owned and occupied by two individuals who bought it in August 2018.

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

Owner of Record	2 Individual Names on File
Mailing Address	428 CEDAR ST, CHEBOYGAN, MI 49721-1308
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
Jul 13, 2026	Deed of Trust, Mortgage · Conventional Mortgage ALPENA ALCONA AREA CREDIT UNION
Jun 2, 2023	Deed of Trust, Mortgage · Conventional Mortgage ALPENA ALCONA AREA CREDIT UNION
Aug 1, 2018	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 1, 2018 · Amount on File
Deed Sale	Aug 1, 2018 · Amount on File
Prior Sale	May 20, 2009
Deed Book / Page	1365 / 10
Record Updated	Sep 20, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEBOYGAN MI
Recording Date	Jul 13, 2026
Property Address	428 CEDAR ST, CHEBOYGAN, MI 49721-1308
Document Number	1587000055
Book / Page	1587 / 55
Instrument Date	Jul 3, 2026
Transaction Type	Mortgage
Record Updated	Aug 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	428 CEDAR ST, CHEBOYGAN, MI 49721-1308

Mortgage

Document Number	1587000055,
Date	Jul 13, 2026
Book Page	1587/55

Lender

Name	ALPENA ALCONA AREA CREDIT UNION

Agreement

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

Interest

Rate	6.48%
Max Rate	-1%

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEBOYGAN MI
Property Address	428 CEDAR ST, CHEBOYGAN, MI 49721-1308
Transaction Type	Mortgage
Record Updated	Jun 12, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	428 CEDAR ST, CHEBOYGAN, MI 49721-1308

Mortgage

Document Number	0000001508/0000000730
Date	Jun 2, 2023
Book Page	0000001508/0000000730

Lender

Name	ALPENA ALCONA AREA CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	120 Months
Due	Jan 1, 2033

August 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEBOYGAN MI
Recording Date	Aug 1, 2018
Property Address	428 CEDAR ST, CHEBOYGAN, MI 49721-1308
Document Number	0001365/10
Book / Page	1365 / 10
Instrument Date	May 30, 2018
Transaction Type	Transfer
Record Updated	May 5, 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	428 CEDAR ST, CHEBOYGAN, MI 49721-1308

Tax Assessment & Valuation

The 2025 property tax bill for 428 Cedar St was $2,301 with a homeowner's exemption.

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

Property Jurisdictions

Type	Name
State	Michigan
County	Cheboygan County
Municipality	Cheboygan City
Unified School District	Cheboygan Area Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$95,200	$190,400
2025	$2,301.00
2023		$60,800	$121,600
2022	$1,858.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 428 Cedar St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1979.

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 (1979)
Most Recent Claim	Jul 1979 · tidal / storm surge

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 428 Cedar 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 99.1% of the US · lower than 98.4% 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 136 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.

Nearby Properties on Cedar St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures