4587 River St, Oscoda, MI 48750 Property Records

Iosco County property record for 4587 River St, Oscoda, MI 48750

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,040 sqft · built 1973
Lot Size	0.28 acres (12,197 sqft)
Owner	2 Individual Names on File
Last Sale	$79,900 (Oct 2019)
Tax Bill	$1,185 (2025)
Deeds & Mortgages	Mar 2023 Refinance Mar 2023 Refinance + 3 more
Flood Zone	Zone X (minimal risk)
APN	`021A1000011000`

Property Details

APN / Parcel Number

Primary APN	`021A1000011000`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Building Area	1,040 sqft Building Perimeter
1st Floor Area	1,040 sqft

Exterior

Year Built	Built 1973
Effective Year Built	Effective 1973
Architectural Style	Ranch
Lot Area	12,197 sqft (0.28 acres)
Lot Dimensions	100 ft deep x 120 ft wide
Garage Area	520 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	4587 RIVER ST
City	OSCODA
State	MI
Zip	48750-9517
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R3
Legal Description	AH 110 AUSABLE HEIGHTS E 100 FT OF LOTS 110 & 112 & E 100 FT OF S 20 FT OF LOT 108 PARCEL D L-211 P-37
Legal Subdivision	AUSABLE HEIGHTS
Legal Lot Number	108,110
Jurisdiction	IOSCO MI
Township / Civil Division	AU SABLE
Census Block Group	1
Census Block	1024
Census Tract	400

Owner

4587 River St is owned and occupied by two individuals who bought it in October 2019.

Source: Iosco County records, as of June 2, 2026

Owner of Record	2 Individual Names on File
Mailing Address	4587 RIVER ST, OSCODA, MI 48750-9517
Occupancy	Owner Occupied
Owner Type	Individual

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
Mar 28, 2023	Deed of Trust, Mortgage · Stand-Alone Refinance FIFTH THIRD BANK
Mar 28, 2023	Deed of Trust, Mortgage · Stand-Alone Refinance ROCKET MORTGAGE
Apr 12, 2022	Deed of Trust, Mortgage · FHA Mortgage ROCKET MORTGAGE
Mar 9, 2021	Deed of Trust, Mortgage · FHA Mortgage QUICKEN LOANS INC
Oct 11, 2019	Warranty Deed, Transfer · Stand-Alone First Mortgage QUICKEN LOANS INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 11, 2019 · Amount on File
Deed Sale	Oct 11, 2019 · Amount on File
Prior Sale	Sep 2, 2014 · Amount on File
Deed Document Number	20195762
Prior Transfer Date	Aug 21, 2014
Prior Transfer Doc	1113000655
Record Updated	Sep 20, 2026

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	IOSCO MI
Property Address	4587 RIVER ST, OSCODA, MI 48750-9517
Transaction Type	Mortgage
Record Updated	Apr 19, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2023001252
Date	Mar 28, 2023
Instrument	2023001252

Lender

Name	FIFTH THIRD BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	IOSCO MI
Property Address	4587 RIVER ST, OSCODA, MI 48750-9517
Transaction Type	Mortgage
Record Updated	Apr 19, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2023001249
Date	Mar 28, 2023
Instrument	2023001249

Lender

Name	ROCKET MORTGAGE

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2053

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	IOSCO MI
Property Address	4587 RIVER ST, OSCODA, MI 48750-9517
Transaction Type	Mortgage
Record Updated	May 4, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2022002356
Date	Apr 12, 2022
Instrument	2022002356

Lender

Name	ROCKET MORTGAGE

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2052

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	IOSCO MI
Property Address	4587 RIVER ST, OSCODA, MI 48750-9517
Transaction Type	Mortgage
Record Updated	Jun 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2021001408
Date	Mar 9, 2021
Instrument	2021001408

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2051

October 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	IOSCO MI
Recording Date	Oct 11, 2019
Property Address	4587 RIVER ST, OSCODA, MI 48750-9517
Document Number	2019005762
Instrument Date	Oct 9, 2019
Instrument	2019005762
Transaction Type	Transfer
Record Updated	Jun 22, 2021

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV 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

Mortgage

Document Number	2019005763
Date	Oct 11, 2019
Instrument	2019005763

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Mortgage

Document Number	2019005762
Date	Oct 11, 2019
Instrument	2019005762

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 4587 River St was $1,185 with a homeowner's exemption.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$62,300 Land $62,300	$124,600 Land $124,600
2025	$1,185.00

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

Flood

FEMA maps place 4587 River St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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

Wildfire risk around 4587 River St is low, with a 0.02% 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	0.02% 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 133 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000

May also be available: AT&T, Verizon.

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