9637 Highbanks Dr, Cheboygan, MI 49721 Property Records

Cheboygan County property record for 9637 Highbanks Dr, Cheboygan, MI 49721

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,739 sqft · built 1996
Lot Size	0.37 acres (16,117 sqft)
Owner	Individual Name on File
Last Sale	$445,500 (Aug 2022)
Tax Bill	$6,891 (2025)
Deeds & Mortgages	Aug 2022 Mortgage Aug 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`105-L30-000-028-00`

Property Details

APN / Parcel Number

Primary APN	`105-L30-000-028-00`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Building Area	1,739 sqft Building Perimeter
1st Floor Area	1,403 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Lot Area	16,117 sqft (0.37 acres)
Garage Area	686 sqft

Location & Zoning

Street Address	9637 HIGHBANKS DR
City	CHEBOYGAN
State	MI
Zip	49721-8956
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LAKEVIEW FOREST, LOT 28. (SEC 27, T38N,R1E) 1440/41;1442/392(ABANDOMENT);1489/947
Legal Range	01E
Legal Township	028
Legal Section	27
Legal Subdivision	LAKEVIEW FOREST
Legal Lot Number	28
Jurisdiction	CHEBOYGAN MI
Township / Civil Division	BENTON
Census Block Group	2
Census Block	2002
Census Tract	960402

Owner

9637 Highbanks Dr is owned by an individual who bought it in August 2022.

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

Owner of Record	Individual Name on File
Mailing Address	119 CLINTON ST, PETOSKEY, MI 49770-2514
Owner Type	Individual
Vesting	Tenants by the Entirety

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
Aug 4, 2022	Deed of Trust, Mortgage · Conventional Mortgage LAKE MICHIGAN CREDIT UNION
Aug 4, 2022	Limited Warranty Deed, Transfer · Conventional Mortgage LAKE MICHIGAN CREDIT UNION

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 4, 2022 · Amount on File
Deed Sale	Aug 4, 2022 · Amount on File
Deed Book / Page	1489 / 947
Record Updated	Sep 20, 2026

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEBOYGAN MI
Property Address	9637 HIGHBANKS DR, CHEBOYGAN, MI 49721-8956
Transaction Type	Mortgage
Record Updated	Jun 15, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	119 CLINTON ST, PETOSKEY, MI 49770-2514

Mortgage

Document Number	0000001489/0000000950
Date	Aug 4, 2022
Book Page	0000001489/0000000950

Lender

Name	LAKE MICHIGAN CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	353 Months
Due	Jan 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	4.87%

August 2022: Limited Warranty Deed, Transfer

Document Type	Limited Warranty Deed
Jurisdiction	CHEBOYGAN MI
Recording Date	Aug 4, 2022
Property Address	9637 HIGHBANKS DR, CHEBOYGAN, MI 49721-8956
Document Number	001489/947
Book / Page	1489 / 947
Instrument Date	Jul 21, 2022
Transaction Type	Transfer
Record Updated	Jun 9, 2026

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	119 CLINTON ST, PETOSKEY, MI 49770-2514

Mortgage

Document Number	0001489950
Date	Aug 4, 2022
Instrument	1489/950

Lender

Name	LAKE MICHIGAN CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	353 Months
Due	Jan 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	4.87%

Tax Assessment & Valuation

The 2025 property tax bill for 9637 Highbanks Dr was $6,891.

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		$215,200	$430,400
2025	$6,891.00
2023		$163,500	$327,000
2022	$4,641.00

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

FEMA maps place 9637 Highbanks 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 July 20, 2022 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone VE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	3 in force
Nearby Flood Claims	1 (2026)
Claims Outside the SFHA	1 of 1
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

Wildfire risk around 9637 Highbanks Dr is low, with less than 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 95% of the US · lower than 89% of Michigan
Wildfire Likelihood	Under 0.01% 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 23 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Presque Isle Connect Fiber	1,000 / 1,000

May also be available: Verizon.

Cell Coverage

4G LTE (outdoors only), no 5G reported

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