8770 S River Rd, Cheboygan, MI 49721 Property Records

Cheboygan County property record for 8770 S River Rd, Cheboygan, MI 49721

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,262 sqft · built 1947
Lot Size	2.35 acres (102,366 sqft)
Owner	Individual Name on Record
Last Sale	$187,500 (Nov 2022)
Tax Bill	$1,466 (2025)
Deeds & Mortgages	Aug 2026 Mortgage Nov 2022 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`104-021-100-006-02`

Property Details

APN / Parcel Number

Primary APN	`104-021-100-006-02`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Building Area	1,262 sqft Living Area
1st Floor Area	1,262 sqft
Basement Area	1,118 sqft
Unfinished Basement	1,118 sqft

Exterior

Year Built	Built 1947
Effective Year Built	Effective 1947
Architectural Style	Ranch
Lot Area	102,366 sqft (2.35 acres)
Garage Area	760 sqft

Location & Zoning

Street Address	8770 S RIVER RD
City	CHEBOYGAN
State	MI
Zip	49721-9404
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	COM N 1/4 COR SEC 21, T37N,R1W; TH S 0D 34' 50" W 673.98FT; TH S 42D 17' 45" E 195.81FT TO POB; TH S 42D 17' 45" E 135.18FT;
Legal Range	01W
Legal Township	037
Legal Section	21
Jurisdiction	CHEBOYGAN MI
Township / Civil Division	BENTON
Census Block Group	4
Census Block	4003
Census Tract	960300

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	8770 S RIVER RD, CHEBOYGAN, MI 49721-9404
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 17, 2026	Deed of Trust, Mortgage · Conventional Mortgage CITIZENS NATIONAL BANK
Nov 17, 2022	Warranty Deed, Transfer · Conventional Mortgage CITIZENS NATIONAL BANK OF CHEBOYGAN
Aug 19, 2021	Warranty Deed, Transfer · FHA Mortgage HUNTINGTON NATIONAL BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 17, 2022 · Amount on Record
Deed Sale	Nov 17, 2022 · Amount on Record
Prior Sale	Aug 19, 2021 · Amount on Record
Deed Book / Page	1497 / 577
Prior Transfer Date	Jun 19, 2007
Prior Transfer Doc	1072000419
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEBOYGAN MI
Recording Date	Aug 17, 2026
Property Address	8770 S RIVER RD, CHEBOYGAN, MI 49721-9404
Document Number	1590000188
Book / Page	1590 / 188
Instrument Date	Aug 7, 2026
Transaction Type	Mortgage
Record Updated	Sep 9, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8770 S RIVER RD, CHEBOYGAN, MI 49721-9404

Mortgage

Document Number	1590000188,
Date	Aug 17, 2026
Book Page	1590/188

Lender

Name	CITIZENS NATIONAL BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	300 Months
Due	Aug 1, 2051

Interest

Max Rate	-1%

November 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEBOYGAN MI
Recording Date	Nov 17, 2022
Property Address	8770 S RIVER RD, CHEBOYGAN, MI 49721-9404
Document Number	001497/577
Book / Page	1497 / 577
Instrument Date	Nov 10, 2022
Transaction Type	Transfer
Record Updated	Nov 25, 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	8770 S RIVER RD, CHEBOYGAN, MI 49721-9404

Mortgage

Document Number	0001497579
Date	Nov 17, 2022
Instrument	1497/579

Lender

Name	CITIZENS NATIONAL BANK OF CHEBOYGAN

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	350 Months
Due	Jan 1, 2052

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEBOYGAN MI
Recording Date	Aug 19, 2021
Property Address	8770 S RIVER RD, CHEBOYGAN, MI 49721-9404
Document Number	1459/757
Book / Page	1459 / 757
Instrument Date	Aug 16, 2021
Transaction Type	Transfer
Record Updated	Sep 6, 2021

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	5035 REAMS RD, ALANSON, MI 49706-9624

Mortgage

Document Number	1459759
Date	Aug 19, 2021
Instrument	1459/759

Lender

Name	HUNTINGTON NATIONAL BANK

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	353 Months
Due	Jan 1, 2051

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$88,000 (+35.38%)	$176,000 (+35.38%)
2025	$1,466.00 (+30.66%)
2023		$65,000	$130,000
2022	$1,122.00

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

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

Provider	Max Down / Up (Mbps)
Presque Isle Connect Fiber	1,000 / 1,000
Starlink Satellite	280 / 30

Cell Coverage

5G and 4G LTE (outdoors only)

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