4981 W Birch Rd, Roscommon, MI 48653 Property Records

Roscommon County property record for 4981 W Birch Rd, Roscommon, MI 48653

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,980 sqft · built 1992
Lot Size	0.71 acres (30,928 sqft)
Owner	2 Individual Names on File
Last Sale	$265,000 (Aug 2023)
Tax Bill	$4,042 (2025)
Deeds & Mortgages	Aug 2023 Sale & Mortgage Jun 2018 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`004-135-015-0000`

Property Details

APN / Parcel Number

Primary APN	`004-135-015-0000`

Interior

Full Baths	1 Bath
Building Area	1,980 sqft Building Perimeter
1st Floor Area	1,980 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1992
Effective Year Built	Effective 1992
Architectural Style	Ranch
Lot Area	30,928 sqft (0.71 acres)
Garage Area	768 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	4981 W BIRCH RD
City	ROSCOMMON
State	MI
Zip	48653-9270
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	L-988 P-805 (L-610 P-445) 243 4981 W BIRCH LOT 15 BIRCH HILL ESTATES
Legal Subdivision	BIRCH HILLS ESTATES
Legal Lot Number	15
Jurisdiction	ROSCOMMON MI
Township / Civil Division	GERRISH
Census Block Group	1
Census Block	1023
Census Tract	970402

Owner

4981 W Birch Rd is owned and occupied by two individuals who bought it in August 2023.

Source: Roscommon County records, as of June 29, 2026

Owner of Record	2 Individual Names on File
Mailing Address	4981 W BIRCH RD, ROSCOMMON, MI 48653-9270
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
Aug 15, 2023	Warranty Deed, Transfer · Stand-Alone First Mortgage COMMUNTIY FINANCIAL CREDIT UNION
Jun 14, 2018	Warranty Deed, Transfer
Jun 14, 2018	Warranty Deed, Transfer ARK LA TEX FINANCIAL SERVICES LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 15, 2023 · Amount on File
Deed Sale	Aug 15, 2023 · Amount on File
Prior Sale	Jun 14, 2018 · Amount on File
Deed Document Number	20235205
Deed Book / Page	1185 / 175
Record Updated	Sep 20, 2026

August 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ROSCOMMON MI
Recording Date	Aug 15, 2023
Property Address	4981 W BIRCH RD, ROSCOMMON, MI 48653-9270
Document Number	001185/175
Book / Page	1185 / 175
Instrument Date	Aug 11, 2023
Instrument	202300005205
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	22090 CUMBERLAND DR, NORTHVILLE, MI 48167-2124

Mortgage

Document Number	202300005206
Date	Aug 15, 2023
Instrument	202300005206

Lender

Name	COMMUNTIY FINANCIAL CREDIT UNION

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Rate	6.38%
Type Change Date	Sep 1, 2030
Max Rate At Change	2.75%
Index	1-Year CMT

June 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ROSCOMMON MI
Recording Date	Jun 14, 2018
Property Address	4981 W BIRCH RD, ROSCOMMON, MI 48653-9270
Document Number	1166/534
Book / Page	1166 / 534
Instrument Date	Jun 12, 2018
Instrument	2.0180000448
Transaction Type	Transfer
Record Updated	Jun 24, 2021

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
Relationship	Joint Tenants
Address	718 N PINETREE BLVD, THOMASVILLE, GA 31792-3924

June 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ROSCOMMON MI
Recording Date	Jun 14, 2018
Property Address	4981 W BIRCH RD, ROSCOMMON, MI 48653-9270
Document Number	001166/534
Book / Page	1166 / 534
Instrument Date	Jun 12, 2018
Instrument	2.0180000448
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
Relationship	Joint Tenants
Address	718 N PINETREE BLVD, THOMASVILLE, GA 31792-3924

Mortgage

Document Number	0000001166/0000000535
Date	Jun 14, 2018
Book Page	0000001166/0000000535
Instrument	2.0180000448

Lender

Name	ARK LA TEX FINANCIAL SERVICES LLC
Type	Mortgage Company

Agreement

Amount	Amount on Record
Term	355 Months
Due	Jan 1, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 4981 W Birch Rd was $4,042 with a homeowner's exemption.

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		$177,700	$355,400
2025	$4,042.00
2023		$111,000	$222,000

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 4981 W Birch Rd 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 4981 W Birch Rd is low, with a 0.02% 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	0.02% 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 153 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: Cherry Capital Connection.

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