4836 E Higgins Lake Dr, Roscommon, MI 48653 Property Records

Roscommon County property record for 4836 E Higgins Lake Dr, Roscommon, MI 48653

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,751 sqft
Lot Size	0.55 acres (23,958 sqft)
Owner	2 Individual Names on Record
Last Sale	$257,500 (Jul 2021)
Tax Bill	$4,876 (2025)
Deeds & Mortgages	Jul 2017 Line of Credit Jul 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`004-500-006-0000`

Property Details

APN / Parcel Number

Primary APN	`004-500-006-0000`

Interior

Full Baths	1 Bath
Building Area	1,751 sqft Building Perimeter
1st Floor Area	1,751 sqft
Basement Area	1,751 sqft
Unfinished Basement	1,751 sqft

Exterior

Architectural Style	Ranch
Lot Area	23,958 sqft (0.55 acres)
Garage Area	576 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	4836 E HIGGINS LAKE DR
City	ROSCOMMON
State	MI
Zip	48653-9377
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	(L-940P-2270&L-836P-250&L-808P-188) 243 L-1055 P-581 LOT 6 PINEHAVEN.
Legal Subdivision	PINEHAVEN SUB
Legal Lot Number	6
Jurisdiction	ROSCOMMON MI
Township / Civil Division	GERRISH
Census Block Group	1
Census Block	1080
Census Tract	970401

Owner

Source: Roscommon County records, as of June 29, 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	4944 SCHOOL RD, RHODES, MI 48652-9726
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 5, 2017	Deed of Trust, Mortgage · Line of Credit NORTHLAND AREA FCU
Jul 7, 2021	Warranty Deed, Transfer · Stand-Alone First Mortgage UNITED BAY COMMUNITY CREDIT UNION

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 7, 2021 · Amount on Record
Deed Sale	Jul 7, 2021 · Amount on Record
Prior Sale	Jan 12, 2010 · Amount on Record
Deed Document Number	20216295
Deed Book / Page	1177 / 1054
Record Updated	Sep 20, 2026

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROSCOMMON MI
Property Address	4836 E HIGGINS LAKE DR, ROSCOMMON, MI 48653-9377
Transaction Type	Mortgage
Record Updated	Jun 30, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	01162/2458
Date	Jul 5, 2017
Book Page	1162/2458
Instrument	201700005061

Lender

Name	NORTHLAND AREA FCU
Type	Credit Union
Address	OSCODA, MI 48750

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ROSCOMMON MI
Recording Date	Jul 7, 2021
Property Address	4836 E HIGGINS LAKE DR, ROSCOMMON, MI 48653-9377
Document Number	01177/1054
Book / Page	1177 / 1054
Instrument Date	Jul 2, 2021
Instrument	202100006295
Transaction Type	Transfer
Record Updated	Jun 30, 2023

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
Address	4944 SCHOOL RD, RHODES, MI 48652-9726

Mortgage

Document Number	202100006286
Date	Jul 7, 2021
Instrument	202100006286

Lender

Name	UNITED BAY COMMUNITY CREDIT UNION

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

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		$188,400 (+68.82%)	$376,800 (+68.82%)
2025	$4,876.00
2023		$111,600	$223,200

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

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

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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