4694 E Higgins Lake Dr, Roscommon, MI 48653 Property Records

Roscommon County property record for 4694 E Higgins Lake Dr, Roscommon, MI 48653

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,124 sqft · built 1963
Lot Size	0.57 acres (24,829 sqft)
Owner	Individual Name on File
Last Sale	$134,500 (Aug 2023)
Tax Bill	$3,073 (2025)
Deeds & Mortgages	Mar 2008 Mortgage Aug 2023 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`004-500-001-0000`

Property Details

APN / Parcel Number

Primary APN	`004-500-001-0000`

Interior

Full Baths	1 Bath
Building Area	1,124 sqft Building Perimeter
1st Floor Area	1,124 sqft

Exterior

Year Built	Built 1963
Effective Year Built	Effective 1963
Architectural Style	Ranch
Lot Area	24,829 sqft (0.57 acres)
Garage Area	384 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	4694 E HIGGINS LAKE DR
City	ROSCOMMON
State	MI
Zip	48653-9361
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	L-738 P-452 243 4694 E HIGGINS LK DR LOT 1 PINEHAVEN.
Legal Subdivision	PINEHAVEN SUB
Legal Lot Number	1
Jurisdiction	ROSCOMMON MI
Township / Civil Division	GERRISH
Census Block Group	1
Census Block	1073
Census Tract	970401

Owner

4694 E Higgins Lake Dr is owned by an individual who bought it in August 2023.

Source: Roscommon County records, as of June 29, 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	Individual Name on File
Mailing Address	15254 RIVIERA SHORES DR, HOLLY, MI 48442-1130
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 6, 2008	Deed of Trust, Mortgage · Conventional Mortgage CITIMORTGAGE INC
Aug 16, 2023	Warranty Deed, Transfer · Stand-Alone First Mortgage UNITED WHOLESALE MORTGAGE
Jul 23, 2021	Warranty Deed, Transfer
Oct 30, 2019	Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 16, 2023 · Amount on File
Deed Sale	Aug 16, 2023 · Amount on File
Prior Sale	Jul 23, 2021 · Amount on File
Deed Document Number	20235236
Deed Book / Page	1185 / 206
Record Updated	Sep 20, 2026

March 2008: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROSCOMMON MI
Property Address	4694 E HIGGINS LAKE DR, ROSCOMMON, MI 48653-9361
Transaction Type	Mortgage
Record Updated	Jun 29, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	01069/1170
Date	Mar 6, 2008
Book Page	1069/1170
Instrument	200800001410

Lender

Name	CITIMORTGAGE INC
Type	Mortgage Company
Address	O FALLON, MO 63368

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	359 Months
Due	Feb 1, 2038

August 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ROSCOMMON MI
Recording Date	Aug 16, 2023
Property Address	4694 E HIGGINS LAKE DR, ROSCOMMON, MI 48653-9361
Document Number	001185/206
Book / Page	1185 / 206
Instrument Date	Aug 15, 2023
Instrument	202300005236
Transaction Type	Transfer
Record Updated	Jun 29, 2026

Transaction

Amount	Amount on Record
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	15254 RIVIERA SHORES DR, HOLLY, MI 48442-1130
Investor	Possibly a Property Investor

Mortgage

Document Number	202300005237
Date	Aug 16, 2023
Instrument	202300005237

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ROSCOMMON MI
Recording Date	Jul 23, 2021
Property Address	4694 E HIGGINS LAKE DR, ROSCOMMON, MI 48653-9361
Document Number	01177/1600
Book / Page	1177 / 1600
Instrument Date	Jul 22, 2021
Instrument	202100006831
Transaction Type	Transfer
Record Updated	Jun 29, 2026

Transaction

Amount	Amount 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	2137 4TH ST, BAY CITY, MI 48708-6304

October 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	ROSCOMMON MI
Recording Date	Oct 30, 2019
Property Address	4694 E HIGGINS LAKE DR, ROSCOMMON, MI 48653-9361
Document Number	01170/2421
Book / Page	1170 / 2421
Instrument Date	Oct 29, 2019
Instrument	201900007509
Transaction Type	Transfer
Record Updated	Jun 29, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	835 OAKLAND DR, KALAMAZOO, MI 49008-1201

Tax Assessment & Valuation

The 2025 property tax bill for 4694 E Higgins Lake Dr was $3,073.

Source: Roscommon County assessment roll, as of June 29, 2026

Property Jurisdictions

Type	Name
State	Michigan
County	Roscommon County
County Subdivision	Gerrish Township
Unified School District	Roscommon Area Public Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$81,400	$162,800
2025	$3,073.00
2023		$49,200	$98,400

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

FEMA maps place 4694 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

Wildfire risk around 4694 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 67% of the US · above 86% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 68 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000

Cell Coverage

5G and 4G LTE (outdoors only)

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