545 Duncan Ave, Cheboygan, MI 49721 Property Records

Cheboygan County property record for 545 Duncan Ave, Cheboygan, MI 49721

Property Summary

Property Type	Single Family Home
Lot Size	0.25 acres (10,890 sqft)
Owner	2 Individual Names on File
Tax Bill	$1,241 (2025)
Deeds & Mortgages	Jan 2026 Transfer Sep 2023 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`052-D13-002-012-00`

Property Details

APN / Parcel Number

Primary APN	`052-D13-002-012-00`

Exterior

Lot Area	10,890 sqft (0.25 acres)

Location & Zoning

Street Address	545 DUNCAN AVE
City	CHEBOYGAN
State	MI
Zip	49721-1318
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PLAT OF SUPR JOHN B DUFRESNE'S THIRD ADDITION TO CITY OF CHEBOYGAN, LOT 14, BLK 2. (SECS 29&32, T38N,R1W)
Legal Range	01W
Legal Township	014
Legal Section	29
Legal Subdivision	SUPRVRS JOHN B DUFRESNES 3RD A
Legal Lot Number	14
Jurisdiction	CHEBOYGAN MI
Township / Civil Division	CHEBOYGAN
Census Block Group	1
Census Block	1015
Census Tract	960300

Owner

545 Duncan Ave is owned and occupied by two individuals who acquired it in January 2026.

Source: Cheboygan County records, as of August 4, 2026

Owner of Record	2 Individual Names on File
Mailing Address	545 DUNCAN AVE, CHEBOYGAN, MI 49721-1318
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 16, 2026	Quit Claim Deed, Transfer Quitclaim
Sep 7, 2023	Deed of Trust, Mortgage · Conventional Mortgage CROSTWAITE MARTIN AND MARJORIE
Jan 3, 2022	Warranty Deed, Transfer
May 20, 2020	Quit Claim Deed, Transfer Quitclaim
Apr 23, 2019	Personal Representative Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 16, 2026
Deed Sale	Jan 16, 2026
Prior Sale	Jan 3, 2022 · Amount on File
Deed Book / Page	1573 / 986
Prior Transfer Date	Jan 8, 2026
Prior Transfer Doc	001573/986
Record Updated	Oct 29, 2026

January 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CHEBOYGAN MI
Recording Date	Jan 16, 2026
Property Address	545 DUNCAN AVE, CHEBOYGAN, MI 49721-1318
Document Number	001573/986
Book / Page	1573 / 986
Instrument Date	Jan 8, 2026
Transaction Type	Transfer
Record Updated	Jan 26, 2026

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	545 DUNCAN AVE, CHEBOYGAN, MI 49721-1318

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEBOYGAN MI
Property Address	545 DUNCAN AVE, CHEBOYGAN, MI 49721-1318
Transaction Type	Mortgage
Record Updated	Sep 15, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	101 E RELLIM DR, PALATKA, FL 32177-7793

Mortgage

Document Number	0000001515/0000000360
Date	Sep 7, 2023
Book Page	0000001515/0000000360

Lender

Name	CROSTWAITE MARTIN AND MARJORIE

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	144 Months
Due	Jan 1, 2035

January 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEBOYGAN MI
Recording Date	Jan 3, 2022
Property Address	545 DUNCAN AVE, CHEBOYGAN, MI 49721-1318
Document Number	001471/940
Book / Page	1471 / 940
Instrument Date	Dec 20, 2021
Transaction Type	Transfer
Record Updated	Jun 16, 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
Address	101 E RELLIM DR, PALATKA, FL 32177-7793

May 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CHEBOYGAN MI
Recording Date	May 20, 2020
Property Address	545 DUNCAN AVE, CHEBOYGAN, MI 49721-1318
Document Number	001412/899
Book / Page	1412 / 899
Instrument Date	May 11, 2020
Transaction Type	Transfer
Record Updated	Jun 16, 2022

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
Address	17677 168TH AVE, SPRING LAKE, MI 49456-1303

April 2019: Personal Representative Deed, Transfer

Document Type	Personal Representative Deed
Jurisdiction	CHEBOYGAN MI
Recording Date	Apr 23, 2019
Property Address	545 DUNCAN AVE, CHEBOYGAN, MI 49721-1318
Document Number	001383/320
Book / Page	1383 / 320
Instrument Date	Apr 22, 2019
Transaction Type	Transfer
Record Updated	Jun 16, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1034 BLACK HAWK TRL, HOUGHTON LAKE, MI 48629-9619

Tax Assessment & Valuation

The 2025 property tax bill for 545 Duncan Ave was $1,241, up 73.1% from the year before.

Source: Cheboygan County assessment roll, as of June 16, 2026

Property Jurisdictions

Type	Name
State	Michigan
County	Cheboygan County
Municipality	Cheboygan City
Unified School District	Cheboygan Area Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$60,500 (+17.7%)	$121,000 (+17.7%)
2025	$1,241.00 (+73.08%)	$51,400	$102,800
2024	$717.00
2023		$37,900	$75,800
2022	$608.00

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

Flood

FEMA maps place 545 Duncan Ave in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1979.

Source: FEMA National Flood Hazard Layer, effective July 20, 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	2 in force
Nearby Flood Claims	1 (1979)
Most Recent Claim	Jul 1979 · tidal / storm surge

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 545 Duncan Ave is low, with less than 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 99.1% of the US · lower than 98.4% of Michigan
Wildfire Likelihood	Under 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 136 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Starlink Satellite	280 / 30

May also be available: Verizon.

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