Iosco County property record for 4686 Spruce Rd, Oscoda, MI 48750
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,064 sqft · built 1986 |
| Lot Size | 0.3 acres (13,068 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $851 (2025) |
| Deeds & Mortgages | Oct 2018 Mortgage Apr 2017 Transfer |
| Flood Zone | Zone X (minimal risk) |
| APN | 064I2099900650 |
| Primary APN | 064I2099900650 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Building Area | 1,064 sqft Building Perimeter |
| 1st Floor Area | 1,064 sqft |
| Year Built | Built 1986 |
|---|---|
| Effective Year Built | Effective 1986 |
| Lot Area | 13,068 sqft (0.3 acres) |
| Lot Dimensions | 132 ft deep x 100 ft wide |
| Garage Area | 360 sqft |
| Heating System | Forced Air with A/C |
|---|
| Street Address | 4686 SPRUCE RD |
|---|---|
| City | OSCODA |
| State | MI |
| Zip | 48750-9811 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | INTERLAKE PARK SUB N 132 FT OF OUTLOT G EXC E 100 FT PART OF LOT 37-1 |
| Legal Subdivision | INTERLAKE PARK SUB |
| Legal Lot Number | 1-37 |
| Jurisdiction | IOSCO MI |
| Township / Civil Division | OSCODA |
| Census Block Group | 4 |
| Census Block | 4011 |
| Census Tract | 400 |
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 | 4686 SPRUCE RD, OSCODA, MI 48750-9811 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 23, 2018 | Deed of Trust, Mortgage HURON COMMUNITY BANK |
| Apr 19, 2017 | Intrafamily Transfer, Transfer |
| Deed Names | Name on Deed |
|---|---|
| Last Transfer Date | Sep 23, 2016 |
| Transfer Doc | 2017002471 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | IOSCO MI |
| Property Address | 4686 SPRUCE RD, OSCODA, MI 48750-9811 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 2018006466 |
|---|---|
| Date | Oct 23, 2018 |
| Instrument | 2018006466 |
| Name | HURON COMMUNITY BANK |
|---|---|
| Type | Bank |
| Amount | Amount Recorded |
|---|---|
| Term | 63 Months |
| Due | Jan 1, 2024 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | IOSCO MI |
| Recording Date | Apr 19, 2017 |
| Property Address | 4686 SPRUCE RD, OSCODA, MI 48750-9811 |
| Document Number | 2017002471 |
| Map Reference | PL 08 PG 38 |
| Instrument Date | Sep 23, 2016 |
| Instrument | 2017002471 |
| Transaction Type | Transfer |
| Record Updated | Jun 22, 2021 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 4686 SPRUCE RD, 4686, OSCODA, MI 48750-9811 |
| Name | Verified Name |
|---|---|
| Address | 4686 SPRUCE RD, OSCODA, MI 48750-9811 |
Source: Iosco County assessment roll, as of June 2, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Iosco County |
| County Subdivision | Oscoda Charter Township |
| Unified School District | Oscoda Area Schools (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $53,600 (+9.16%) Land $53,600 | $107,200 (+9.16%) Land $107,200 | |
| 2025 | $851.00 Homeowner's exemption | $49,100 Land $49,100 | $98,200 Land $98,200 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 10 individual policies |
| Nearby Flood Policies | 16 units insured incl. 6 condo units |
| Nearby Flood Claims | 1 (2020) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | May 2020 · Severe Storms 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.
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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | OSCODA TOWNSHIP serves 6,997 people · EPA ID MI0005040 |
|---|---|
| Water Source | Purchased surface water from HURON SHORE REGIONAL UTILITY AUTHORITY |
| Last State Inspection | Aug 2025 |
| Lead | 3 ppb (2023–2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None last 3 years |
Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. The service area is an EPA estimate; the actual supplier may differ.
Source: FCC Broadband Data Collection, based on 225 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: Verizon.
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