8524 S Black River Rd, Onaway, MI 49765 Property Records

Cheboygan County property record for 8524 S Black River Rd, Onaway, MI 49765

Property Summary

Property Type	Single Family Home
Lot Size	2.05 acres (89,298 sqft)
Owner	2 Individual Names on Record
Last Sale	$33,500 (Jan 1995)
Tax Bill	$1,005 (2025)
Deeds & Mortgages	Jun 2023 Mortgage Oct 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`231-014-400-006-00`

Property Details

APN / Parcel Number

Primary APN	`231-014-400-006-00`

Exterior

Lot Area	89,298 sqft (2.05 acres)

Location & Zoning

Street Address	8524 S BLACK RIVER RD
City	ONAWAY
State	MI
Zip	49765-8732
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	COM AT E1/4 COR SEC 14, T34N,R1E; TH S 1D 52M 48S W ALG SEC LI 66FT TO POB; TH CONT S 1D 52M 48S W 247.5FT; TH N 87D 55M 39S
Legal Range	01E
Legal Township	034
Legal Section	14
Jurisdiction	CHEBOYGAN MI
Township / Civil Division	FOREST
Census Block Group	2
Census Block	2095
Census Tract	960700

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	8550 S BLACK RIVER RD, ONAWAY, MI 49765-8732
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Jun 15, 2023	Deed of Trust, Mortgage · Conventional Mortgage AWAKON FEDERAL CREDIT UNION
Oct 23, 2017	Deed of Trust, Mortgage CONGRESSIONAL BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 9, 1995 · Amount on Record
Deed Sale	Jan 9, 1995 · Amount on Record
Deed Book / Page	623 / 390
Record Updated	Sep 20, 2026

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEBOYGAN MI
Property Address	8524 S BLACK RIVER RD, ONAWAY, MI 49765-8732
Transaction Type	Mortgage
Record Updated	Jun 23, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8524 S BLACK RIVER RD, ONAWAY, MI 49765-8732

Mortgage

Document Number	0000001509/0000000655
Date	Jun 15, 2023
Book Page	0000001509/0000000655

Lender

Name	AWAKON FEDERAL CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jan 1, 2038

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEBOYGAN MI
Property Address	8524 S BLACK RIVER RD, ONAWAY, MI 49765-8732
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1345/0550
Date	Oct 23, 2017
Book Page	1345/0550

Lender

Name	CONGRESSIONAL BANK
Address	BETHESDA, MD 20817

Agreement

Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2047

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Michigan
County	Cheboygan County
County Subdivision	Forest Township
Unified School District	Onaway Area Community School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$137,200 (+55.2%)	$274,400 (+55.2%)
2025	$1,005.00 (+6.69%)
2023		$88,400	$176,800
2022	$942.00

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

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

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 9 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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