4615 Onaway Rd, Indian River, MI 49749 Property Records

Cheboygan County property record for 4615 Onaway Rd, Indian River, MI 49749

Property Summary

Property Type	Single Family Home
Owner	2 Individual Names on Record
Tax Bill	$1,522 (2022)
Deeds & Mortgages	Jun 2020 Mortgage Aug 2025 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`172-I09-000-027-01`

Property Details

APN / Parcel Number

Primary APN	`172-I09-000-027-01`
Alternative APN	`172-I09-000-027-00`

Location & Zoning

Street Address	4615 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, LOTS 27 & 28 (SEC 20, T35N,R2W) COMBINED ON 2/11/26 FROM 172-I09-000-027-00 & 028-00 955/79
Legal Range	02W
Legal Township	035
Legal Section	20
Legal Lot Number	27-28
Jurisdiction	CHEBOYGAN MI
Township / Civil Division	KOEHLER
Census Block Group	3
Census Block	3003
Census Tract	960700

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	4615 ONAWAY RD, INDIAN RIVER, MI 49749-9228
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Jun 22, 2020	Deed of Trust, Mortgage · VA Mortgage NEW DAY FINANCIAL
Aug 5, 2025	Deed of Trust, Mortgage · VA Mortgage MORTGAGE RESEARCH CENTER
Aug 8, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance NEW DAY FINANCIAL LLC
Jun 16, 2014	Deed of Trust, Mortgage · Line of Credit MICHGIA HHOMEOWNER ASISTANCE NONPROFIT H
Aug 8, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance NEW DAY FINANCIAL LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Sep 20, 2026

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEBOYGAN MI
Property Address	4615 ONAWAY RD, INDIAN RIVER, MI 49749-9228
Transaction Type	Mortgage
Record Updated	Jun 16, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4615 ONAWAY RD, INDIAN RIVER, MI 49749-9228
Investor	Possibly a Property Investor

Mortgage

Document Number	0000001415/0000000617
Date	Jun 22, 2020
Book Page	0000001415/0000000617

Lender

Name	NEW DAY FINANCIAL

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2050

August 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEBOYGAN MI
Property Address	4615 ONAWAY RD, INDIAN RIVER, MI 49749-9228
Transaction Type	Mortgage
Record Updated	Jun 16, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4615 ONAWAY RD, INDIAN RIVER, MI 49749-9228

Mortgage

Document Number	0000001560/0000000349
Date	Aug 5, 2025
Book Page	0000001560/0000000349

Lender

Name	MORTGAGE RESEARCH CENTER

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2055

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEBOYGAN MI
Property Address	4615 ONAWAY RD, INDIAN RIVER, MI 49749-9228
Transaction Type	Mortgage
Record Updated	Jun 16, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	001391/166
Date	Aug 8, 2019
Book Page	1391/166

Lender

Name	NEW DAY FINANCIAL LLC
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2049

June 2014: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEBOYGAN MI
Property Address	4615 ONAWAY RD, INDIAN RIVER, MI 49749-9228
Transaction Type	Mortgage
Record Updated	Jun 16, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4615 ONAWAY RD, INDIAN RIVER, MI 49749-9228

Mortgage

Document Number	001260/239
Date	Jun 16, 2014
Book Page	1260/239

Lender

Name	MICHGIA HHOMEOWNER ASISTANCE NONPROFIT H
Address	LANSING, MI 48912

Agreement

Type	Line of Credit
Amount	Amount Recorded

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEBOYGAN MI
Property Address	4615 ONAWAY RD, INDIAN RIVER, MI 49749-9228
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1391/166
Date	Aug 8, 2019
Book Page	1391/166

Lender

Name	NEW DAY FINANCIAL LLC
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2049

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		$192,400 (+64.3%)	$384,800 (+64.3%)
2023		$117,100	$234,200
2022	$1,522.00

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 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	4 in force
Nearby Flood Claims	7 (2026)
Most Recent Claim	Apr 2026 · Severe Storms, Tornadoes, And Flooding
Claims by Event	Severe Storms, Tornadoes, And Flooding, Apr 2026 · 7 claims

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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