5956 E Higgins Lake Dr, Roscommon, MI 48653 Property Records

Roscommon County property record for 5956 E Higgins Lake Dr, Roscommon, MI 48653

Property Summary

Property Type	Single Family Home
Details	1 ba · 804 sqft · built 1967
Lot Size	0.52 acres (22,651 sqft)
Owner	Individual Name on File
Tax Bill	$1,317 (2025)
Deeds & Mortgages	Jan 2026 Line of Credit Mar 2021 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`004-230-008-0000`

Property Details

APN / Parcel Number

Primary APN	`004-230-008-0000`

Interior

Full Baths	1 Bath
Building Area	804 sqft Building Perimeter
1st Floor Area	804 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1967
Effective Year Built	Effective 1967
Architectural Style	Ranch
Lot Area	22,651 sqft (0.52 acres)
Garage Area	576 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	5956 E HIGGINS LAKE DR
City	ROSCOMMON
State	MI
Zip	48653-9349
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	L-971 P-895 (L-859P-549&L-413 P-348) 243 5956 E HIGGINS LK LOTS 8 & 9 HIGGINS LAKE MANOR.
Legal Subdivision	HIGGINS LAKE MANOR
Legal Lot Number	8-9
Jurisdiction	ROSCOMMON MI
Township / Civil Division	GERRISH
Census Block Group	1
Census Block	1066
Census Tract	970401

Owner

5956 E Higgins Lake Dr is owned and occupied by an individual who acquired it in October 2023.

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

Owner of Record	Individual Name on File
Mailing Address	5956 E HIGGINS LAKE DR, ROSCOMMON, MI 48653-9349
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 8, 2026	Deed of Trust, Mortgage · Line of Credit NORTH CENTRAL AREA CU
Mar 26, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance NORTH CENTRAL AREA CREDIT UNION
Jan 28, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance NORTH CENTRAL AREA CREDIT UNION

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Oct 13, 2023
Transfer Doc	0000006631
Record Updated	Sep 20, 2026

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROSCOMMON MI
Property Address	5956 E HIGGINS LAKE DR, ROSCOMMON, MI 48653-9349
Transaction Type	Mortgage
Record Updated	Jan 28, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	01192/0626
Date	Jan 8, 2026
Book Page	1192/0626
Instrument	202600000132

Lender

Name	NORTH CENTRAL AREA CU

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	49 Months
Due	Feb 1, 2030

Interest

Rate Type	Adjustable Rate

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROSCOMMON MI
Property Address	5956 E HIGGINS LAKE DR, ROSCOMMON, MI 48653-9349
Transaction Type	Mortgage
Record Updated	Apr 14, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1175/2581
Date	Mar 26, 2021
Book Page	1175/2581
Instrument	202100002414

Lender

Name	NORTH CENTRAL AREA CREDIT UNION

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	181 Months
Due	Apr 1, 2036

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROSCOMMON MI
Property Address	5956 E HIGGINS LAKE DR, ROSCOMMON, MI 48653-9349
Transaction Type	Mortgage
Record Updated	Feb 16, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1175/941
Date	Jan 28, 2021
Book Page	1175/941
Instrument	202100000773

Lender

Name	NORTH CENTRAL AREA CREDIT UNION

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	109 Months
Due	Feb 1, 2030

Tax Assessment & Valuation

The 2025 property tax bill for 5956 E Higgins Lake Dr was $1,317 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		$87,700 (+11.44%)	$175,400 (+11.44%)
2025	$1,317.00 Homeowner's exemption	$78,700	$157,400
2023		$56,300	$112,600

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

Flood

FEMA maps place 5956 E Higgins Lake Dr 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 5956 E Higgins Lake Dr 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	Indirect within ember reach
Adjoins Burnable Land	Yes

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 165 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000

Cell Coverage

5G and 4G LTE (outdoors only)

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