4689 River St, Oscoda, MI 48750 Property Records

Iosco County property record for 4689 River St, Oscoda, MI 48750

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,078 sqft · built 1976
Lot Size	0.48 acres (20,909 sqft)
Owner	Individual Name on File
Last Sale	$87,000 (Sep 2016)
Tax Bill	$1,745 (2025)
Deeds & Mortgages	Sep 2020 Refinance Jun 2024 Refinance + 2 more
Flood Zone	Zone X (minimal risk)
APN	`021A1000005400`

Property Details

APN / Parcel Number

Primary APN	`021A1000005400`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,078 sqft Building Perimeter
1st Floor Area	1,078 sqft
Basement Area	1,078 sqft
Unfinished Basement	1,078 sqft

Exterior

Year Built	Built 1976
Effective Year Built	Effective 1976
Architectural Style	Ranch
Lot Area	20,909 sqft (0.48 acres)
Lot Dimensions	138 ft deep x 150 ft wide
Garage Area	1,440 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	4689 RIVER ST
City	OSCODA
State	MI
Zip	48750-9562
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R3
Legal Description	AH 54 AUSABLE HEIGHTS LOTS 54 & 55 & 70
Legal Subdivision	AUSABLE HEIGHTS
Legal Lot Number	54-55
Jurisdiction	IOSCO MI
Township / Civil Division	AU SABLE
Census Block Group	1
Census Block	1024
Census Tract	400

Owner

4689 River St is owned and occupied by an individual who bought it in September 2016.

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

Owner of Record	Individual Name on File
Mailing Address	4689 RIVER ST, OSCODA, MI 48750-9562
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
Sep 8, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance ALPENA ALCONA AREA CREDIT UNION
Jun 3, 2024	Deed of Trust, Mortgage · Stand-Alone Refinance ALPENA ALCONA AREA CREDIT UNION
Jul 25, 2023	Deed of Trust, Mortgage · Conventional Mortgage ALPENA ALCONA AREA CU
Jul 25, 2023	Quit Claim Deed, Transfer · Conventional Mortgage ALPENA ALCONA AREA CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 22, 2016 · Amount on File
Deed Sale	Sep 22, 2016 · Amount on File
Deed Book / Page	1164 / 242
Record Updated	Sep 20, 2026

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	IOSCO MI
Property Address	4689 RIVER ST, OSCODA, MI 48750-9562
Transaction Type	Mortgage
Record Updated	Jan 20, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2020005078
Date	Sep 8, 2020
Instrument	2020005078

Lender

Name	ALPENA ALCONA AREA CREDIT UNION

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	241 Months
Due	Oct 1, 2040

June 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	IOSCO MI
Property Address	4689 RIVER ST, OSCODA, MI 48750-9562
Transaction Type	Mortgage
Record Updated	Jan 20, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2024002932
Date	Jun 3, 2024
Instrument	2024002932

Lender

Name	ALPENA ALCONA AREA CREDIT UNION

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	121 Months
Due	Jul 1, 2034

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	IOSCO MI
Property Address	4689 RIVER ST, OSCODA, MI 48750-9562
Transaction Type	Mortgage
Record Updated	Aug 29, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2023003870
Date	Jul 25, 2023
Instrument	2023003870

Lender

Name	ALPENA ALCONA AREA CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2053

July 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	IOSCO MI
Recording Date	Jul 25, 2023
Property Address	4689 RIVER ST, OSCODA, MI 48750-9562
Document Number	2023003869
Instrument Date	Jul 7, 2023
Instrument	2023003869
Transaction Type	Transfer
Record Updated	Jan 20, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4489 W RIVER AVE, OSCODA, MI 48750

Mortgage

Document Number	2023003870
Date	Jul 25, 2023
Instrument	2023003870

Lender

Name	ALPENA ALCONA AREA CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2053

Tax Assessment & Valuation

The 2025 property tax bill for 4689 River St was $1,745 with a homeowner's exemption, up 2.6% from the year before.

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		$97,900 (+4.37%) Land $97,900	$195,800 (+4.37%) Land $195,800
2025	$1,745.00 (+2.59%) Homeowner's exemption	$93,800 Land $93,800	$187,600 Land $187,600
2024	$1,701.00

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

Flood

FEMA maps place 4689 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 4689 River St is low, with a 0.01% 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	0.01% annual chance
Exposure	Indirect within ember reach

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 96 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: AT&T.

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