6780 Grace St, Indian River, MI 49749 Property Records

Cheboygan County property record for 6780 Grace St, Indian River, MI 49749

Property Summary

Property Type	Single Family Home
Lot Size	0.4 acres (17,424 sqft)
Owner	Individual Name on Record
Last Sale	$608,000 (Nov 2025)
Tax Bill	$6,331 (2025)
Deeds & Mortgages	Mar 2019 Refinance Nov 2025 Mortgage + 4 more
Flood Zone	Zone A (high risk)
APN	`161-S79-000-018-00`

Property Details

APN / Parcel Number

Primary APN	`161-S79-000-018-00`

Exterior

Lot Area	17,424 sqft (0.4 acres)

Location & Zoning

Street Address	6780 GRACE ST
City	INDIAN RIVER
State	MI
Zip	49749
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	STURGEON ISLAND SHORES, LOTS 18 & 19. (SEC 24,T35N,R3W) 947/756;1568/844
Legal Range	03W
Legal Township	035
Legal Section	24
Legal Subdivision	STURGEON ISLAND SHORES
Legal Lot Number	18-19
Jurisdiction	CHEBOYGAN MI
Township / Civil Division	TUSCARORA
Census Block Group	3
Census Block	3038
Census Tract	960600

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	1881 SS RAILROAD BED RD, STATESBORO, GA 30461-8612
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 26, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance GUARDIAN MORTGAGE
Nov 13, 2025	Deed of Trust, Mortgage · Conventional Mortgage MERCANTILE BANK
Mar 17, 2021	Deed of Trust, Mortgage · Conventional Mortgage GUARDIAN MORTGAGE
Mar 17, 2021	Deed of Trust, Mortgage · Conventional Mortgage GUARDIAN MORTGAGE
Mar 17, 2021	Deed of Trust, Mortgage · Conventional Mortgage GUARDIAN MORTGAGE
Nov 13, 2025	Warranty Deed, Transfer · Conventional Mortgage MERCANTILE BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 13, 2025 · Amount on Record
Deed Sale	Nov 13, 2025 · Amount on Record
Prior Sale	May 21, 2004 · Amount on Record
Deed Book / Page	1568 / 844
Record Updated	Sep 20, 2026

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEBOYGAN MI
Property Address	6780 GRACE ST, INDIAN RIVER, MI 49749
Transaction Type	Mortgage
Record Updated	Mar 31, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001381/18
Date	Mar 26, 2019
Book Page	1381/18

Lender

Name	GUARDIAN MORTGAGE

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2049

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEBOYGAN MI
Property Address	6780 GRACE ST, INDIAN RIVER, MI 49749
Transaction Type	Mortgage
Record Updated	Mar 31, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1881 SS RAILROAD BED RD, STATESBORO, GA 30461-8612

Mortgage

Document Number	0000001568/0000000846
Date	Nov 13, 2025
Book Page	0000001568/0000000846

Lender

Name	MERCANTILE BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	350 Months
Due	Jan 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	8.12%
Type Change Date	Nov 1, 2020

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEBOYGAN MI
Property Address	6780 GRACE ST, INDIAN RIVER, MI 49749
Transaction Type	Mortgage
Record Updated	Mar 31, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6780 GRACE ST, INDIAN RIVER, MI 49749

Mortgage

Document Number	0000001443/0000000495
Date	Mar 17, 2021
Book Page	0000001443/0000000495

Lender

Name	GUARDIAN MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2051

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEBOYGAN MI
Property Address	6780 GRACE ST, INDIAN RIVER, MI 49749
Transaction Type	Mortgage
Record Updated	Dec 1, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6780 GRACE ST, INDIAN RIVER, MI 49749

Mortgage

Document Number	0000001443/0000000495
Date	Mar 17, 2021
Book Page	0000001443/0000000495

Lender

Name	GUARDIAN MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2051

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEBOYGAN MI
Property Address	6780 GRACE ST, INDIAN RIVER, MI 49749
Transaction Type	Mortgage
Record Updated	Nov 24, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6780 GRACE ST, INDIAN RIVER, MI 49749

Mortgage

Document Number	0000001443/0000000495
Date	Mar 17, 2021
Book Page	0000001443/0000000495

Lender

Name	GUARDIAN MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2051

November 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEBOYGAN MI
Recording Date	Nov 13, 2025
Property Address	6780 GRACE ST, INDIAN RIVER, MI 49749
Document Number	001568/844
Book / Page	1568 / 844
Instrument Date	Oct 27, 2025
Transaction Type	Transfer
Record Updated	Jun 16, 2026
Title Company	TALON TITLE AGENCY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$52.29
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1881 SS RAILROAD BED RD, STATESBORO, GA 30461-8612

Mortgage

Document Number	0001568846
Date	Nov 13, 2025
Instrument	1568/846

Lender

Name	MERCANTILE BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	350 Months
Due	Jan 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	8.12%
Type Change Date	Nov 1, 2020

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Michigan
County	Cheboygan County
County Subdivision	Tuscarora Township
Unified School District	Inland Lakes Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$310,000 (+39.64%)	$620,000 (+39.64%)
2025	$6,331.00 (+21.49%)	$222,000 (+8.66%)	$444,000 (+8.66%)
2024	$5,211.00 (+10.73%)
2023		$204,300	$408,600
2022	$4,706.00

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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 A high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Not determined for this zone
Flood Insurance Requirement	Required federally backed loans
Nearby Flood Policies	1 in force
Nearby Flood Claims	1 (2026)
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

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

Wildfire Risk	Low lower than 93% of the US · lower than 83% 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 33 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

Cell Coverage

5G (outdoors only) and 4G LTE

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