55646 Forest Beach Dr, Eau Claire, MI 49111 Property Records

Cass County property record for 55646 Forest Beach Dr, Eau Claire, MI 49111

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,344 sqft · built 1963
Lot Size	0.21 acres (9,148 sqft)
Owner	Trust Name on File
Last Sale	$200,000 (Oct 2020)
Tax Bill	$4,308 (2025)
Deeds & Mortgages	Apr 2017 Line of Credit Oct 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`14-130-144-010-01`

Property Details

APN / Parcel Number

Primary APN	`14-130-144-010-01`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Building Area	1,344 sqft Building Perimeter
1st Floor Area	1,344 sqft
Basement Area	1,344 sqft
Unfinished Basement	1,344 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1963
Effective Year Built	Effective 1963
Lot Area	9,148 sqft (0.21 acres)
Garage Area	260 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	55646 FOREST BEACH DR
City	EAU CLAIRE
State	MI
Zip	49111-9527
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	864 LOTS 10 & 11 BLK 4 FOREST BEACH, INDIAN LAKE. ASSESSMENT INCLUDES 1/7 INTEREST IN PARCEL 14-130-142-013-00.
Legal Subdivision	FOREST BEACH INDIAN LAKE
Legal Tract	1
Legal Block	4
Legal Lot Number	10,11
Jurisdiction	CASS MI
Township / Civil Division	SILVER CREEK
Census Block Group	2
Census Block	2038
Census Tract	1901

Owner

55646 Forest Beach Dr is owner-occupied and held in a trust since July 2024.

Source: Cass County records, as of October 1, 2026

Owner of Record	Trust Name on File
Mailing Address	2025 E LINCOLN ST, 3313, BLOOMINGTON, IL 61701-6156
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

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
Apr 3, 2017	Deed of Trust, Mortgage · Line of Credit KAREN A HOLBURY
Oct 21, 2020	Deed, Transfer · Conventional Mortgage FLANAGAN STATE BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 21, 2020 · Amount on File
Deed Sale	Oct 21, 2020 · Amount on File
Deed Book / Page	1182 / 2493
Last Transfer Date	Jul 1, 2024
Transfer Doc	0001251/10
Record Updated	Oct 29, 2026

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CASS MI
Property Address	55646 FOREST BEACH DR, EAU CLAIRE, MI 49111-9527
Transaction Type	Mortgage
Record Updated	Aug 12, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	01120/2412
Date	Apr 3, 2017
Book Page	1120/2412

Lender

Name	KAREN A HOLBURY
Type	Private Party
Address	22693 MCKENZIE ST, DOWAGIAC, MI 49047

Agreement

Type	Line of Credit
Amount	Amount on Record

October 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	CASS MI
Recording Date	Oct 21, 2020
Property Address	55646 FOREST BEACH DR, EAU CLAIRE, MI 49111-9527
Document Number	01182/2493
Book / Page	1182 / 2493
Instrument Date	Oct 5, 2020
Transaction Type	Transfer
Record Updated	Aug 12, 2022
Title Company	CASS COUNTY TITLE OFFICE INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,720.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	22963 MCKENZIE ST, 22963, DOWAGIAC, MI 49047-8432

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	1720 ELDE ROAD, BLOOMINGTON, IL 61704-8734

Mortgage

Document Number	0011822496
Date	Oct 21, 2020
Instrument	1182/2496

Lender

Name	FLANAGAN STATE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 55646 Forest Beach Dr was $4,308 with a homeowner's exemption, up 8.2% from the year before.

Source: Cass County assessment roll, as of October 1, 2026

Property Jurisdictions

Type	Name
State	Michigan
County	Cass County
County Subdivision	Silver Creek Township
Unified School District	Eau Claire Public Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$134,400 (+11.35%) Land $134,400	$268,800 (+11.35%) Land $268,800
2025	$4,308.00 (+8.21%) Homeowner's exemption	$120,700 Land $120,700	$241,400 Land $241,400
2024	$3,981.00
2023		$114,700	$229,400
2022	$3,863.00

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

Flood

FEMA maps place 55646 Forest Beach Dr in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective September 5, 2007 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	8 in force

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 55646 Forest Beach Dr 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 94% of the US · lower than 87% of Michigan
Wildfire Likelihood	Under 0.01% 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 76 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Starlink Satellite	280 / 30

May also be available: Mercury Fiber.

Cell Coverage

4G LTE (outdoors only), no 5G reported

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