5645 Smith Rd, Cheboygan, MI 49721 Property Records

Cheboygan County property record for 5645 Smith Rd, Cheboygan, MI 49721

Property Summary

Property Type	Single Family Home
Details	1 ba · 892 sqft
Lot Size	20.1 acres (877,298 sqft)
Owner	Individual Name on Record
Last Sale	$70,000 (Jun 2020)
Tax Bill	$905 (2025)
Deeds & Mortgages	Jun 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`151-003-200-030-00`

Property Details

APN / Parcel Number

Primary APN	`151-003-200-030-00`

Interior

Full Baths	1 Bath
Building Area	892 sqft Living Area
1st Floor Area	892 sqft
Basement Area	892 sqft
Unfinished Basement	892 sqft

Exterior

Architectural Style	Ranch
Lot Area	877,298 sqft (20.1 acres)
Garage Area	576 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	5645 SMITH RD
City	CHEBOYGAN
State	MI
Zip	49721-9552
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BEG SE COR SEC 3, T36N,R1E; TH N 2D 13M W ALG E LI SEC 3, 3442.66FT; TH N 59D 46M W 160.51FT TO POB; TH S 83D W 293.74FT TO
Legal Range	01E
Legal Township	036
Legal Section	03
Legal Lot Number	2
Jurisdiction	CHEBOYGAN MI
Township / Civil Division	GRANT
Census Block Group	1
Census Block	1007
Census Tract	960402

Owner

Source: Cheboygan County records, as of June 16, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	5645 SMITH RD, CHEBOYGAN, MI 49721-9552
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 30, 2020 · Amount on Record
Deed Sale	Jun 30, 2020 · Amount on Record
Prior Sale	Oct 17, 1997 · Amount on Record
Deed Book / Page	1416 / 364
Record Updated	Sep 20, 2026

June 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEBOYGAN MI
Recording Date	Jun 30, 2020
Property Address	5645 SMITH RD, CHEBOYGAN, MI 49721-9552
Document Number	001416/364
Book / Page	1416 / 364
Instrument Date	Jun 23, 2020
Transaction Type	Transfer
Record Updated	Jun 16, 2022

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	1042 S CRESCENT HEIGHTS BLVD, LOS ANGELES, CA 90035-2633

Mortgage

Document Number	0000001416/0000000367
Date	Jun 30, 2020
Book Page	0000001416/0000000367

Lender

Name	TCF NATIONAL BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2050

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Michigan
County	Cheboygan County
County Subdivision	Grant Township
Unified School District	Cheboygan Area Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$54,200 (+19.91%)	$108,400 (+19.91%)
2025	$905.00 (+10.91%)
2023		$45,200	$90,400
2022	$816.00

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

Flood

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
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 27 policies
Nearby Flood Policies	27 in force
Nearby Flood Claims	15 (2026)
Claims Outside the SFHA	2 of 15
Most Recent Claim	Apr 2026 · Severe Storms, Tornadoes, And Flooding
Claims by Event	Severe Storms, Tornadoes, And Flooding, Apr 2026 · 15 claims

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 97% of the US · lower than 93% 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 55 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Presque Isle Connect Fiber	1,000 / 1,000

Cell Coverage

5G and 4G LTE (outdoors only)

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