Cheboygan County property record for 4728 Reflections Dr, Cheboygan, MI 49721 · Last verified July 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 3 Beds |
| Bathrooms | 1 Baths |
| Year Built | Built 2002 |
| Square Footage | 960 sqft Building Perimeter |
| Lot Size | 83,635 sqft (1.92 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $42,800 (2000) |
| Tax Bill | $1,527.00 (2025) |
| Primary APN | 140-012-200-003-05 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Baths |
| Building Area | 960 sqft Building Perimeter |
| Year Built | Built 2002 |
|---|---|
| Effective Year Built | Effective 2002 |
| Lot Area | 83,635 sqft (1.92 acres) |
| Garage Area | 1,280 sqft Garage |
| Heating System | Forced Air with Air Conditioning Heating |
|---|
| Street Address | 4728 REFLECTIONS DR |
|---|---|
| City | CHEBOYGAN |
| State | MI |
| Zip | 49721-9679 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | PAR 11: COM NE COR SEC 12, T36N,R1W; TH ALG E LI SD SEC S 0D 49M 30S E 1052.56FT; TH N 51D 44M 02S W 93.73FT; TH N 31D 11M |
| Legal Range | 01W |
| Legal Township | 036 |
| Legal Section | 12 |
| Legal Lot Number | 2 |
| Jurisdiction | CHEBOYGAN MI |
| Minor Civil Division | ALOHA |
| Census Blockgroup | 1 |
| Census Block | 1063 |
| Census Tract | 960401 |
Source: Cheboygan County records · APN 140-012-200-003-05
Assessment roll updated June 16, 2026 · Last verified July 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 File |
|---|---|
| Mailing Address | 4728 REFLECTIONS DR, CHEBOYGAN, MI 49721-9679 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Jun 05, 2026 | Deed of Trust · Conventional Mortgage ALPENA ALCONA AREA CREDIT UNION |
| Nov 18, 2020 | Deed of Trust, Mortgage · Conventional Mortgage CALCITE CREDIT UNION |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Jul 27, 2000 · Amount on Record |
| Deed Sale | Jul 27, 2000 · Amount on Record |
| Deed Book / Page | 759 / 927 |
| Last Transfer Date | Dec 09, 2015 |
| Transfer Doc | 01297/0817 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHEBOYGAN MI |
| Recording Date | Jun 05, 2026 |
| Property Address | 4728 REFLECTIONS DR, CHEBOYGAN, MI 49721-9679 |
| Document Number | 0000001583/0000000695 |
| Book / Page | 1583 / 695 |
| Instrument Date | May 28, 2026 |
| Record Updated | Jun 22, 2026 |
| Name | Verified Name |
|---|---|
| Address | 4728 REFLECTIONS DR, CHEBOYGAN, MI 49721-9679 |
| Document Number | 1583000695, |
|---|---|
| Date | Jun 05, 2026 |
| Book Page | 1583/695 |
| Name | ALPENA ALCONA AREA CREDIT UNION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 84 Months |
| Due | May 01, 2033 |
| Rate | 6.3% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHEBOYGAN MI |
| Property Address | 4728 REFLECTIONS DR, CHEBOYGAN, MI 49721-9679 |
| Transaction Type | Mortgage |
| Record Updated | Jun 16, 2022 |
| Name | Verified Name |
|---|---|
| Address | 4728 REFLECTIONS DR, CHEBOYGAN, MI 49721-9679 |
| Document Number | 0000001431/0000000841 |
|---|---|
| Date | Nov 18, 2020 |
| Book Page | 0000001431/0000000841 |
| Name | CALCITE CREDIT UNION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Jan 01, 2035 |
Source: Cheboygan County records · Assessment roll updated June 16, 2026 · Last verified July 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Cheboygan County |
| County Subdivision | Aloha Township |
| Unified School District | Cheboygan Area Schools (KG - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $107,300 (-4.54%) | $214,600 (-4.54%) | |
| 2025 | $1,527.00 (+2.97%) Homeowner's exemption | $112,400 (+55.46%) | $224,800 (+55.46%) |
| 2024 | $1,483.00 (+7.78%) | ||
| 2023 | $72,300 | $144,600 | |
| 2022 | $1,376.00 |
4728 Reflections Dr is in FEMA Zone X, outside the Special Flood Hazard Area, with direct wildfire exposure (Low risk).
Source: FEMA National Flood Hazard Layer · Cheboygan County (26031C), updated July 20, 2022
| FEMA Flood Zone | Zone X minimal flood hazard · outside the 0.2% annual chance floodplain |
|---|---|
| Special Flood Hazard Area | No |
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
Source: USDA Forest Service Wildfire Risk to Communities · 2nd edition (2024), fuels as of 2020
| Wildfire Risk to Homes | Low 20th percentile of exposed land nationally · 52nd in Michigan |
|---|---|
| Wildfire Likelihood | Low — about 1 in 10,000 per year |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
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