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

Roscommon County property record for 815 E Higgins Lake Dr, Roscommon, MI 48653

Property Summary

Property Type	Single Family Home
Details	2 ba · 884 sqft · built 1990
Lot Size	0.32 acres (13,939 sqft)
Owner	Individual Name on File
Last Sale	$192,500 (Nov 2017)
Tax Bill	$2,840 (2025)
Deeds & Mortgages	Nov 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`004-034-007-0361`

Property Details

APN / Parcel Number

Primary APN	`004-034-007-0361`

Interior

Full Baths	2 Baths
Building Area	884 sqft Building Perimeter
1st Floor Area	884 sqft
Basement Area	884 sqft
Unfinished Basement	884 sqft

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Lot Area	13,939 sqft (0.32 acres)
Garage Area	720 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	815 E HIGGINS LAKE DR
City	ROSCOMMON
State	MI
Zip	48653-8754
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	L-752 P-568 223 COM AT INT OF N & S LINE BET SEC 33 & 34 & SH OF LK TH S42DEG16'E 344.1 FT TO CO RD TH S19DEG12'W ALG RD
Legal Lot Number	2
Jurisdiction	ROSCOMMON MI
Township / Civil Division	GERRISH
Census Block Group	1
Census Block	1081
Census Tract	970401

Owner

815 E Higgins Lake Dr is owned by an individual who bought it in November 2017.

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

Owner of Record	Individual Name on File
Mailing Address	2483 CHESANING RD, MONTROSE, MI 48457-9322
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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 9, 2017 · Amount on File
Deed Sale	Nov 9, 2017 · Amount on File
Prior Sale	Jan 14, 2013 · Amount on File
Deed Document Number	20178414
Deed Book / Page	1164 / 392
Record Updated	Sep 20, 2026

November 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ROSCOMMON MI
Recording Date	Nov 9, 2017
Property Address	815 E HIGGINS LAKE DR, ROSCOMMON, MI 48653-8754
Document Number	1164/0392
Book / Page	1164 / 0392
Instrument Date	Nov 6, 2017
Instrument	201700008414
Transaction Type	Transfer
Record Updated	Jun 24, 2021

Transaction

Amount	Amount on Record
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	2483 CHESANING RD, MONTROSE, MI 48457-9322

Mortgage

Document Number	1164/0393
Date	Nov 9, 2017
Book Page	1164/0393
Instrument	201700008415

Lender

Name	NATIONAL BANK OF KANSAS CITY
Type	Bank
Address	KANSAS CITY, MO 64114

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	359 Months
Due	Oct 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 815 E Higgins Lake Dr was $2,840.

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		$118,000	$236,000
2025	$2,840.00
2023		$76,100	$152,200

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

FEMA maps place 815 E Higgins Lake 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 January 18, 2012

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

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 815 E Higgins Lake Dr is low, with 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 80% of the US · above 51% of Michigan
Wildfire Likelihood	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 4 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35