Roscommon County property record for 4630 E Higgins Lake Dr, Roscommon, MI 48653
| Property Type | Single Family Home |
|---|---|
| Details | 2.5 ba · 3,427 sqft · built 1997 |
| Lot Size | 10 acres (435,600 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $4,117 (2025) |
| Deeds & Mortgages | Aug 2020 Refinance |
| Flood Zone | Zone X (minimal risk) |
| APN | 004-015-007-0020 |
| Primary APN | 004-015-007-0020 |
|---|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Building Area | 3,427 sqft Building Perimeter |
| 1st Floor Area | 1,732 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1997 |
|---|---|
| Effective Year Built | Effective 1997 |
| Lot Area | 435,600 sqft (10 acres) |
| Garage Area | 1,992 sqft |
| Heating System | Forced Air with A/C |
|---|
| Street Address | 4630 E HIGGINS LAKE DR |
|---|---|
| City | ROSCOMMON |
| State | MI |
| Zip | 48653 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | L-749 P-532 243-15-7-1 NE 1/4 OF SW 1/4 OF NW 1/4 SEC 15 T24N R3W. 10 A. |
| Jurisdiction | ROSCOMMON MI |
| Township / Civil Division | GERRISH |
| Census Block Group | 1 |
| Census Block | 1073 |
| Census Tract | 970401 |
4630 E Higgins Lake Dr is owned and occupied by two individuals.
Source: Roscommon County records, as of June 29, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | PO BOX 255, ROSCOMMON, MI 48653-0255 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ROSCOMMON MI |
| Property Address | 4630 E HIGGINS LAKE DR, ROSCOMMON, MI 48653-9361 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 1173/1563 |
|---|---|
| Date | Aug 19, 2020 |
| Book Page | 1173/1563 |
| Instrument | 202000005929 |
| Name | TCF NATIONAL BANK |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Sep 1, 2050 |
The 2025 property tax bill for 4630 E Higgins Lake Dr was $4,117 with a homeowner's exemption.
Source: Roscommon County assessment roll, as of June 29, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Roscommon County |
| County Subdivision | Gerrish Township |
| Unified School District | Roscommon Area Public Schools (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $318,900 | $637,800 | |
| 2025 | $4,117.00 | ||
| 2023 | $213,700 | $427,400 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 4630 E Higgins Lake Dr in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective January 18, 2012
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Wildfire risk around 4630 E Higgins Lake Dr is low, with a 0.03% 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 | 0.03% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 32 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Starlink Satellite | 280 / 30 |
May also be available: Verizon.
5G and 4G LTE (outdoors only)
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