5194 Cedar Lake Rd, Oscoda, MI 48750 Property Records

Iosco County property record for 5194 Cedar Lake Rd, Oscoda, MI 48750

Property Summary

Property Type	Single Family Home
Details	1,132 sqft · built 1953
Lot Size	0.69 acres (30,056 sqft)
Owner	Individual Name on File
Last Sale	$62,000 (Jun 2019)
Tax Bill	$1,428 (2025)
Deeds & Mortgages	Jan 2023 Transfer Jun 2019 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`064M1000003501`

Property Details

APN / Parcel Number

Primary APN	`064M1000003501`

Interior

Building Area	1,132 sqft Building Perimeter

Exterior

Year Built	Built 1953
Effective Year Built	Effective 1953
Lot Area	30,056 sqft (0.69 acres)
Lot Dimensions	200 ft deep x 150 ft wide

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	5194 CEDAR LAKE RD
City	OSCODA
State	MI
Zip	48750-1500
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	SUPERVISORS PLAT MCNICHOL HEIGHTS LOT 35 SPLIT ON 02/27/2017 FROM 064-M10-000-035-00;
Legal Subdivision	SUPERVISORS PLAT MCNICHOL HEIGHTS
Legal Lot Number	35
Jurisdiction	IOSCO MI
Township / Civil Division	OSCODA
Census Block Group	1
Census Block	1004
Census Tract	400

Owner

5194 Cedar Lake Rd is owned and occupied by an individual who acquired it in January 2023.

Source: Iosco County records, as of June 2, 2026

Owner of Record	Individual Name on File
Mailing Address	5194 CEDAR LAKE RD, OSCODA, MI 48750-1500
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
Jan 30, 2023	Quit Claim Deed, Transfer Quitclaim
Jun 18, 2019	Warranty Deed, Transfer
Mar 24, 2017	Warranty Deed, Transfer · Conventional Mortgage IFREEDOM DIRECT CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 18, 2019 · Amount on File
Deed Sale	Jun 18, 2019 · Amount on File
Prior Sale	Mar 24, 2017 · Amount on File
Deed Document Number	20193328
Last Transfer Date	Jan 26, 2023
Transfer Doc	2023000448
Record Updated	Sep 20, 2026

January 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	IOSCO MI
Recording Date	Jan 30, 2023
Property Address	5194 CEDAR LAKE RD, OSCODA, MI 48750-1500
Document Number	2023000448
Instrument Date	Apr 11, 2022
Instrument	2023000448
Transaction Type	Transfer
Record Updated	Feb 22, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety

June 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	IOSCO MI
Recording Date	Jun 18, 2019
Property Address	5194 CEDAR LAKE RD, OSCODA, MI 48750-1500
Document Number	2019003328
Instrument Date	Jun 13, 2019
Instrument	2019003328
Transaction Type	Transfer
Record Updated	May 24, 2022

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

March 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	IOSCO MI
Recording Date	Mar 24, 2017
Property Address	5194 CEDAR LAKE RD, OSCODA, MI 48750-1500
Document Number	2017001431
Map Reference	PL 11 PG 42
Instrument Date	Mar 17, 2017
Instrument	2017001431
Transaction Type	Transfer
Record Updated	May 24, 2022
Title Company	LANDMARK TITLE, LANDMARK TITLE CORP

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$473.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6986 PARADISE TRL, 6986, CARP LAKE, MI 49718-9793

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5194 CEDAR LAKE RD, OSCODA, MI 48750-1500

Mortgage

Document Number	2017001432
Date	Mar 24, 2017
Instrument	2017001432

Lender

Name	IFREEDOM DIRECT CORP
Type	Lending Institution
Address	SALT LAKE CITY, UT 84116

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Apr 1, 2032

Tax Assessment & Valuation

The 2025 property tax bill for 5194 Cedar Lake Rd was $1,428 with a homeowner's exemption.

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		$91,700 (+15.35%) Land $91,700	$183,400 (+15.35%) Land $183,400
2025	$1,428.00 Homeowner's exemption	$79,500 Land $79,500	$159,000 Land $159,000

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 5194 Cedar Lake Rd in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 1986.

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
Nearby Flood Policies	9 in force
Nearby Flood Claims	4 (1986–2026)
Claims Outside the SFHA	1 of 4
Most Recent Claim	Apr 2026 · Severe Storms, Tornadoes, 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

Wildfire risk around 5194 Cedar Lake Rd is low, with a 0.01% 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	0.01% 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 96 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: T-Mobile.

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