4556 Onaway Rd, Indian River, MI 49749 Property Records

Cheboygan County property record for 4556 Onaway Rd, Indian River, MI 49749

Property Summary

Property Type	Residential Vacant Land
Lot Size	0.68 acres (29,621 sqft)
Owner	2 Individual Names on File
Last Sale	$156,500 (Oct 2020)
Tax Bill	$143 (2025)
Deeds & Mortgages	Jan 2026 Mortgage Jan 2026 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`172-I09-000-012-00`

Property Details

APN / Parcel Number

Primary APN	`172-I09-000-012-00`

Exterior

Lot Area	29,621 sqft (0.68 acres)

Location & Zoning

Street Address	4556 ONAWAY RD
City	INDIAN RIVER
State	MI
Zip	49749-9228
Property Category	Residential
Property Type	Vacant Land > Residential
Legal Description	PLAT OF INDIAN VILLAGE PARK, LOT 12 (SEC 20, T35N,R2W) 671/804;692/455;758/822;1287/744;1428/423
Legal Range	02W
Legal Township	012
Legal Section	20
Legal Subdivision	INDIAN VILLAGE PARK
Legal Lot Number	12
Jurisdiction	CHEBOYGAN MI
Township / Civil Division	KOEHLER
Census Block Group	3
Census Block	3056
Census Tract	960500

Owner

4556 Onaway Rd, residential vacant land, is owned by two individuals who bought it in October 2020.

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

Owner of Record	2 Individual Names on File
Mailing Address	4576 ONAWAY RD, INDIAN RIVER, MI 49749-9228
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
Jan 29, 2026	Deed of Trust, Mortgage · Conventional Mortgage AWAKON FEDERAL CREDIT UNION
Jan 29, 2026	Deed of Trust, Mortgage · Conventional Mortgage AWAKON FEDERAL CREDIT UNION
Oct 20, 2020	Warranty Deed, Transfer · Conventional Mortgage AWAKON FEDERAL CREDIT UNION

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 20, 2020 · Amount on File
Deed Sale	Oct 20, 2020 · Amount on File
Prior Sale	Aug 4, 2015 · Amount on File
Deed Book / Page	1428 / 423
Record Updated	Sep 20, 2026

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEBOYGAN MI
Property Address	4556 ONAWAY RD, INDIAN RIVER, MI 49749-9228
Transaction Type	Mortgage
Record Updated	Feb 18, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4576 ONAWAY RD, INDIAN RIVER, MI 49749-9228

Mortgage

Document Number	0000001574/0000000658
Date	Jan 29, 2026
Book Page	0000001574/0000000658

Lender

Name	AWAKON FEDERAL CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Jan 1, 2046

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEBOYGAN MI
Property Address	4556 ONAWAY RD, INDIAN RIVER, MI 49749-9228
Transaction Type	Mortgage
Record Updated	Feb 9, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4576 ONAWAY RD, INDIAN RIVER, MI 49749-9228

Mortgage

Document Number	0000001574/0000000658
Date	Jan 29, 2026
Book Page	0000001574/0000000658

Lender

Name	AWAKON FEDERAL CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Jan 1, 2046

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEBOYGAN MI
Recording Date	Oct 20, 2020
Property Address	4556 ONAWAY RD, INDIAN RIVER, MI 49749-9228
Document Number	001428/423
Book / Page	1428 / 423
Instrument Date	Oct 9, 2020
Transaction Type	Transfer
Record Updated	Jun 16, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
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	4556 ONAWAY RD, INDIAN RIVER, MI 49749-9228

Mortgage

Document Number	0000001428/0000000426
Date	Oct 20, 2020
Book Page	0000001428/0000000426

Lender

Name	AWAKON FEDERAL CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 4556 Onaway Rd was $143.

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

Property Jurisdictions

Type	Name
State	Michigan
County	Cheboygan County
County Subdivision	Koehler Township
Unified School District	Inland Lakes Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$2,300	$4,600
2025	$143.00
2023		$3,600	$7,200
2022	$148.00

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

Flood

FEMA maps place 4556 Onaway Rd in Zone X, an area of minimal flood risk.

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	1 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

Wildfire risk around 4556 Onaway Rd is low, with 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 80% of the US · above 51% of Michigan
Wildfire Likelihood	0.01% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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

Provider	Max Down / Up (Mbps)
Spectrum Fiber · Cable in parts of the area	1,000 / 1,000
Presque Isle Connect Fiber	1,000 / 1,000

Cell Coverage

5G and 4G LTE (outdoors only)

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