4576 Merkel Ln, Oscoda, MI 48750 Property Records

Iosco County property record for 4576 Merkel Ln, Oscoda, MI 48750

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 2,473 sqft · built 1960
Lot Size	0.27 acres (11,761 sqft)
Owner	Individual Name on Record
Tax Bill	$1,534 (2025)
Deeds & Mortgages	Oct 2018 Reverse Mortgage
Flood Zone	Zone X (minimal risk)
APN	`064M5000000200`

Property Details

APN / Parcel Number

Primary APN	`064M5000000200`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Building Area	2,473 sqft Building Perimeter
1st Floor Area	1,580 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1960
Lot Area	11,761 sqft (0.27 acres)
Lot Dimensions	123 ft deep x 95 ft wide
Garage Area	768 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	4576 MERKEL LN
City	OSCODA
State	MI
Zip	48750-9506
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R4
Legal Description	MERKELVILLE SUB NO. 2 LOT 2
Legal Subdivision	MERKELVILLE SUB NO. 2
Legal Lot Number	2
Jurisdiction	IOSCO MI
Township / Civil Division	OSCODA
Census Block Group	1
Census Block	1002
Census Tract	400

Owner

Source: Iosco County records, as of June 2, 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	4576 MERKEL LN, OSCODA, MI 48750-9506
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Sep 20, 2026

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	IOSCO MI
Property Address	4576 MERKEL LN, OSCODA, MI 48750-9506
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2018005884
Date	Oct 3, 2018
Instrument	2018005884

Lender

Name	ONE REVERSE MORTGAGE LLC
Type	Reverse Mortgage Lender

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded
Term	951 Months
Due	Jan 1, 2098

Tax Assessment & Valuation

Source: Iosco County assessment roll, as of June 2, 2026

Property Jurisdictions

Type	Name
State	Michigan
County	Iosco County
County Subdivision	Oscoda Charter Township
Unified School District	Oscoda Area Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$99,100 Land $99,100	$198,200 Land $198,200
2025	$1,534.00

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 June 15, 2022 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	9 in force
Nearby Flood Claims	4 (1986–2026)
Claims Outside the SFHA	1 of 4
Most Recent Claim	Apr 2026 · Severe Storms, Tornadoes, And Flooding

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	Low lower than 93% of the US · lower than 83% 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 158 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20