4596 Onaway Rd, Indian River, MI 49749 Property Records

Cheboygan County property record for 4596 Onaway Rd, Indian River, MI 49749

Property Summary

Property Type	Single Family Home
Lot Size	0.68 acres (29,621 sqft)
Owner	2 Individual Names on Record
Last Sale	$295,000 (Aug 2026)
Tax Bill	$3,907 (2025)
Deeds & Mortgages	Aug 2026 Mortgage Aug 2026 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`172-I09-000-015-00`

Property Details

APN / Parcel Number

Primary APN	`172-I09-000-015-00`

Exterior

Lot Area	29,621 sqft (0.68 acres)

Location & Zoning

Street Address	4596 ONAWAY RD
City	INDIAN RIVER
State	MI
Zip	49749-9228
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PLAT OF INDIAN VILLAGE PARK, LOT 15 (SEC 20, T35N,R2W) 555/420;1089/393;1464/518;1495/705
Legal Range	02W
Legal Township	015
Legal Section	20
Legal Subdivision	INDIAN VILLAGE PARK
Legal Lot Number	15
Jurisdiction	CHEBOYGAN MI
Township / Civil Division	KOEHLER
Census Block Group	3
Census Block	3056
Census Tract	960500

Owner

Source: Cheboygan County records, as of August 19, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	902 STATE RD, FENTON, MI 48430-2225
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 5, 2026	Deed of Trust, Mortgage · Conventional Mortgage UNION CREDIT UNION
Aug 5, 2026	Warranty Deed, Transfer · Conventional Mortgage UNION CREDIT UNION
Oct 18, 2022	Warranty Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 5, 2026 · Amount on Record
Deed Sale	Aug 5, 2026 · Amount on Record
Prior Sale	Oct 18, 2022 · Amount on Record
Deed Book / Page	1589 / 139
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEBOYGAN MI
Recording Date	Aug 5, 2026
Property Address	4596 ONAWAY RD, INDIAN RIVER, MI 49749-9228
Document Number	1589000141
Book / Page	1589 / 141
Instrument Date	Jul 29, 2026
Transaction Type	Mortgage
Record Updated	Sep 9, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	902 STATE RD, FENTON, MI 48430-2225

Mortgage

Document Number	1589000141,
Date	Aug 5, 2026
Book Page	1589/141

Lender

Name	UNION CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2056

Interest

Rate	6.25%
Type Change Date	Aug 1, 2020
Max Rate	-1%

August 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEBOYGAN MI
Recording Date	Aug 5, 2026
Property Address	4596 ONAWAY RD, INDIAN RIVER, MI 49749-9228
Document Number	1589000139
Book / Page	1589 / 139
Instrument Date	Jul 29, 2026
Transaction Type	Transfer
Record Updated	Aug 17, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	902 STATE RD, FENTON, MI 48430-2225

Mortgage

Document Number	1589000141,
Date	Aug 5, 2026
Book Page	1589/141

Lender

Name	UNION CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2056

Interest

Rate	6.25%
Type Change Date	Aug 1, 2033
Max Rate	-1%

October 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEBOYGAN MI
Recording Date	Oct 18, 2022
Property Address	4596 ONAWAY RD, INDIAN RIVER, MI 49749-9228
Document Number	001495/705
Book / Page	1495 / 705
Instrument Date	Jan 21, 2022
Transaction Type	Transfer
Record Updated	Oct 28, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment 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
Address	4596 ONAWAY RD, INDIAN RIVER, MI 49749-9228

Mortgage

Document Number	0001495708
Date	Oct 18, 2022
Instrument	1495/708

Lender

Name	ROCKET MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	351 Months
Due	Jan 1, 2052

Tax Assessment & Valuation

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		$144,200 (+12.83%)	$288,400 (+12.83%)
2025	$3,907.00 (+2.52%)	$127,800 (+42.47%)	$255,600 (+42.47%)
2024	$3,811.00 (+70.67%)
2023		$89,700	$179,400
2022	$2,233.00

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are 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	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

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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