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

Roscommon County property record for 45 E Higgins Lake Dr, Roscommon, MI 48653

Property Summary

Property Type	Commercial
Details	544 sqft
Lot Size	0.19 acres (8,276 sqft)
Owner	Company Name on Record
Last Sale	$50,000 (May 2018)
Tax Bill	$1,141 (2025)
Deeds & Mortgages	Feb 2020 Refinance May 2018 Sale
Flood Zone	Zone X (minimal risk)
APN	`004-671-021-0000`

Property Details

APN / Parcel Number

Primary APN	`004-671-021-0000`

Interior

Building Area	544 sqft Building Perimeter

Exterior

Lot Area	8,276 sqft (0.19 acres)
Lot Dimensions	164 ft deep x 50 ft wide

Location & Zoning

Street Address	45 E HIGGINS LAKE DR
City	ROSCOMMON
State	MI
Zip	48653-8702
Property Category	Commercial
Property Type	Commercial > Retail
Legal Description	L-1042 P-1154 (L-1020 P-2224 & L-722 P-653) 243 W 50 FT OF LOTS 21 TO 25 INCL BLK 41 SYLVAN BEACH
Legal Subdivision	SYLVAN BEACH
Legal Block	41
Legal Lot Number	21-25
Jurisdiction	ROSCOMMON MI
Township / Civil Division	GERRISH
Census Block Group	1
Census Block	1081
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	Company Name on Record
Mailing Address	31273 VERONA ST, FARMINGTON HILLS, MI 48331-1464
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Feb 3, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance CHEMICAL BANK
May 3, 2018	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 3, 2018 · Amount on Record
Deed Sale	May 3, 2018 · Amount on Record
Prior Sale	May 6, 2009 · Amount on Record
Deed Document Number	2018335
Deed Book / Page	1165 / 2097
Prior Transfer Date	Sep 11, 2006
Prior Transfer Doc	1061/2663
Record Updated	Sep 20, 2026

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROSCOMMON MI
Property Address	45 E HIGGINS LAKE DR, ROSCOMMON, MI 48653-8702
Transaction Type	Mortgage
Record Updated	Feb 18, 2020

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1171/1661
Date	Feb 3, 2020
Book Page	1171/1661
Instrument	202000000628

Lender

Name	CHEMICAL BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded

May 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ROSCOMMON MI
Recording Date	May 3, 2018
Property Address	45 E HIGGINS LAKE DR, ROSCOMMON, MI 48653-8702
Document Number	1165/2097
Book / Page	1165 / 2097
Instrument Date	Apr 16, 2018
Instrument	2.0180000335
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	31273 VERONA ST, FARMINGTON HILLS, MI 48331-1464

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		$43,100 (+6.42%)	$86,200 (+6.42%)
2025	$1,141.00	$40,500 (+17.73%)	$81,000 (+17.73%)
2023		$34,400	$68,800

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

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 80% of the US · above 51% 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 25 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Cherry Capital Connection Fiber	1,000 / 1,000

Cell Coverage

5G (outdoors only) and 4G LTE

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