4822 Saint Clair Rd, Oscoda, MI 48750 Property Records

Iosco County property record for 4822 Saint Clair Rd, Oscoda, MI 48750

Property Summary

Property Type	Single Family Home
Details	2 bd · 2.5 ba · 1,637 sqft · built 1989
Lot Size	0.18 acres (7,841 sqft)
Owner	2 Individual Names on Record
Last Sale	$244,000 (Sep 2023)
Tax Bill	$2,011 (2025)
Deeds & Mortgages	Sep 2023 Sale & Mortgage Nov 2022 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`064O1000006100`

Property Details

APN / Parcel Number

Primary APN	`064O1000006100`

Interior

Bedrooms	2 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Building Area	1,637 sqft Building Perimeter
1st Floor Area	1,260 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Lot Area	7,841 sqft (0.18 acres)
Lot Dimensions	100 ft deep x 80 ft wide
Garage Area	567 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	4822 SAINT CLAIR RD
City	OSCODA
State	MI
Zip	48750-9714
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R3
Legal Description	PLAT OF OSCODA BEACH SUB LOTS 61 & 62
Legal Subdivision	PLAT OF OSCODA BEACH SUB
Legal Lot Number	61-62
Jurisdiction	IOSCO MI
Township / Civil Division	OSCODA
Census Block Group	4
Census Block	4002
Census Tract	400

Owner

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	2 Individual Names on Record
Mailing Address	24 PETER PAN LN, MARSHALL, MI 49068-9586
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 11, 2023	Warranty Deed, Transfer · Conventional Mortgage NEIGHBORHOOD LOANS INC
Nov 30, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance HURON COMMUNITY BANK
Apr 1, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance HURON COMMUNITY BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 11, 2023 · Amount on Record
Deed Sale	Sep 11, 2023 · Amount on Record
Deed Document Number	20234688
Prior Transfer Date	Jul 3, 2015
Prior Transfer Doc	1134/0258
Record Updated	Sep 20, 2026

September 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	IOSCO MI
Recording Date	Sep 11, 2023
Property Address	4822 SAINT CLAIR RD, OSCODA, MI 48750-9714
Document Number	2023004688
Instrument Date	Sep 7, 2023
Instrument	2023004688
Transaction Type	Transfer
Record Updated	Jun 2, 2026

Transaction

Amount	Amount Recorded
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
Relationship	Tenants by the Entirety
Address	24 PETER PAN LN, MARSHALL, MI 49068-9586

Mortgage

Document Number	2023004689
Date	Sep 11, 2023
Instrument	2023004689

Lender

Name	NEIGHBORHOOD LOANS INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2053

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	IOSCO MI
Property Address	4822 SAINT CLAIR RD, OSCODA, MI 48750-9714
Transaction Type	Mortgage
Record Updated	Dec 21, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2022006982
Date	Nov 30, 2022
Instrument	2022006982

Lender

Name	HURON COMMUNITY BANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2052

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	IOSCO MI
Property Address	4822 SAINT CLAIR RD, OSCODA, MI 48750-9714
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2019002435
Date	Apr 1, 2019
Instrument	2019002435

Lender

Name	HURON COMMUNITY BANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	181 Months
Due	May 1, 2034

Tax Assessment & Valuation

Source: Iosco County assessment roll, as of June 2, 2026

Property Jurisdictions

Type	Name
State	Michigan
County	Iosco County
County Subdivision	Oscoda Charter Township
Unified School District	Oscoda Area Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$115,000 (+2.4%) Land $115,000	$230,000 (+2.4%) Land $230,000
2025	$2,011.00 (+72.32%) Homeowner's exemption	$112,300 (+75.74%) Land $112,300	$224,600 (+251.49%) Land $224,600
2023	$1,167.00 Homeowner's exemption	$63,900 Land $63,900	$63,900 Land $63,900

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

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.

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	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 141 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Starlink Satellite	280 / 30

Cell Coverage

5G (outdoors only) and 4G LTE

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