433 N Bailey St, Cheboygan, MI 49721 Property Records

Cheboygan County property record for 433 N Bailey St, Cheboygan, MI 49721

Property Summary

Property Type	Residential Vacant Land
Lot Size	0.13 acres (5,663 sqft)
Owner	Individual Name on Record
Last Sale	$146,900 (Oct 2023)
Tax Bill	$116 (2025)
Deeds & Mortgages	Oct 2023 Sale & Mortgage Sep 2022 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`054-P39-007-001-00`

Property Details

APN / Parcel Number

Primary APN	`054-P39-007-001-00`

Exterior

Lot Area	5,663 sqft (0.13 acres)

Location & Zoning

Street Address	433 N BAILEY ST
City	CHEBOYGAN
State	MI
Zip	49721-1575
Property Category	Residential
Property Type	Vacant Land > Residential
Legal Description	SUPERVISOR J M PENNELL'S FIRST ADDITION TO THE CITY OF CHEBOYGAN, LOT 1, BLK 7. (SEC 31, T38N,R1W)
Legal Range	01W
Legal Township	001
Legal Section	31
Legal Subdivision	SUPRVRS JM PENNELLS 1ST ADD
Legal Lot Number	1
Jurisdiction	CHEBOYGAN MI
Township / Civil Division	CHEBOYGAN
Census Block Group	2
Census Block	2033
Census Tract	960200

Owner

Source: Cheboygan County records, as of June 16, 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	431 N BAILEY ST, CHEBOYGAN, MI 49721-1575
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 12, 2023	Warranty Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER
Sep 12, 2022	Warranty Deed, Transfer
Jan 24, 2022	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 12, 2023 · Amount on Record
Deed Sale	Oct 12, 2023 · Amount on Record
Prior Sale	Sep 12, 2022 · Amount on Record
Deed Book / Page	1517 / 940
Prior Transfer Date	Jan 20, 2022
Prior Transfer Doc	001473/736
Record Updated	Sep 20, 2026

October 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEBOYGAN MI
Recording Date	Oct 12, 2023
Property Address	433 N BAILEY ST, CHEBOYGAN, MI 49721-1575
Document Number	001517/940
Book / Page	1517 / 940
Instrument Date	Oct 10, 2023
Transaction Type	Transfer
Record Updated	Oct 20, 2023

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$12.64
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	431 N BAILEY ST, CHEBOYGAN, MI 49721-1575

Mortgage

Document Number	0001517942
Date	Oct 12, 2023
Instrument	1517/942

Lender

Name	MORTGAGE RESEARCH CENTER

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	351 Months
Due	Jan 1, 2053

September 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEBOYGAN MI
Recording Date	Sep 12, 2022
Property Address	433 N BAILEY ST, CHEBOYGAN, MI 49721-1575
Document Number	001492/860
Book / Page	1492 / 860
Instrument Date	Sep 8, 2022
Transaction Type	Transfer
Record Updated	Sep 23, 2022

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	431 N BAILEY ST, CHEBOYGAN, MI 49721-1575

January 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CHEBOYGAN MI
Recording Date	Jan 24, 2022
Property Address	433 N BAILEY ST, CHEBOYGAN, MI 49721-1575
Document Number	001473/736
Book / Page	1473 / 736
Instrument Date	Jan 20, 2022
Transaction Type	Transfer
Record Updated	Jun 16, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	431 N BAILEY ST, CHEBOYGAN, MI 49721-1575

Tax Assessment & Valuation

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		$2,300 (-20.69%)	$4,600 (-20.69%)
2025	$116.00 (-5.69%)	$2,900 (+107.14%)	$5,800 (+107.14%)
2024	$123.00 (+141.18%)
2023		$1,400	$2,800
2022	$51.00

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 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

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	Not rated no burnable land within 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 343 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
Starlink Satellite	280 / 30

May also be available: T-Mobile, Verizon.

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