Cheboygan County property record for 9651 S River Rd, Cheboygan, MI 49721
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,878 sqft · built 1920 |
| Lot Size | 14.2 acres (620,730 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $85,000 (Oct 1995) |
| Tax Bill | $1,787 (2025) |
| Deeds & Mortgages | Jun 2022 Mortgage May 2017 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 104-020-100-011-00 |
| Primary APN | 104-020-100-011-00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Building Area | 1,878 sqft Building Perimeter |
| 1st Floor Area | 1,472 sqft |
| Basement Area | 616 sqft |
| Unfinished Basement | 616 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1920 |
|---|---|
| Effective Year Built | Effective 1920 |
| Lot Area | 620,730 sqft (14.2 acres) |
| Garage Area | 2,096 sqft |
| Heating System | Forced Air with A/C |
|---|
| Street Address | 9651 S RIVER RD |
|---|---|
| City | CHEBOYGAN |
| State | MI |
| Zip | 49721-9412 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | COMM N 1/4 POST; TH W ON N SEC LI 990 FT; TH S TO C/L OF CREEK OR GULLY; TH ELY ALG C/L OF SD CREEK TO A PT 660 FT M/L W OF E |
| Legal Range | 01W |
| Legal Township | 660 |
| Legal Section | 20 |
| Jurisdiction | CHEBOYGAN MI |
| Township / Civil Division | BENTON |
| Census Block Group | 4 |
| Census Block | 4012 |
| Census Tract | 960300 |
9651 S River Rd is owned and occupied by two individuals who acquired it in June 2025.
Source: Cheboygan County records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 9651 S RIVER RD, CHEBOYGAN, MI 49721-9412 |
| Occupancy | Owner Occupied |
| 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.
| Date | Document |
|---|---|
| Jun 8, 2022 | Deed of Trust, Mortgage · Conventional Mortgage NICOLET NATIONAL BANK |
| May 5, 2017 | Deed of Trust, Mortgage · Line of Credit FIRST FEDERAL OF NORTHERN MICHIGAN |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 1, 1995 · Amount on File |
| Deed Sale | Oct 1, 1995 · Amount on File |
| Deed Book / Page | 636 / 666 |
| Last Transfer Date | Jun 11, 2025 |
| Transfer Doc | 0001557/33 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHEBOYGAN MI |
| Property Address | 9651 S RIVER RD, CHEBOYGAN, MI 49721-9412 |
| Transaction Type | Mortgage |
| Record Updated | Jun 24, 2022 |
| Name | Verified Name |
|---|---|
| Address | 9651 S RIVER RD, CHEBOYGAN, MI 49721-9412 |
| Document Number | 0000001485/0000000539 |
|---|---|
| Date | Jun 8, 2022 |
| Book Page | 0000001485/0000000539 |
| Name | NICOLET NATIONAL BANK |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHEBOYGAN MI |
| Property Address | 9651 S RIVER RD, CHEBOYGAN, MI 49721-9412 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 1332/0151 |
|---|---|
| Date | May 5, 2017 |
| Book Page | 1332/0151 |
| Name | FIRST FEDERAL OF NORTHERN MICHIGAN |
|---|---|
| Address | ALPENA, MI 49707 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | May 16, 2032 |
The 2025 property tax bill for 9651 S River Rd was $1,787 with a homeowner's exemption, up 3.2% from the year before.
Source: Cheboygan County assessment roll, as of June 16, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Cheboygan County |
| County Subdivision | Benton Township |
| Unified School District | Cheboygan Area Schools (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $136,300 (+8.35%) | $272,600 (+8.35%) | |
| 2025 | $1,787.00 (+3.24%) Homeowner's exemption | $125,800 | $251,600 |
| 2024 | $1,731.00 | ||
| 2023 | $92,500 | $185,000 | |
| 2022 | $1,359.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 9651 S River Rd in Zone X, an area of minimal flood risk.
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 risk around 9651 S River Rd 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.
Source: FCC Broadband Data Collection, based on 25 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
May also be available: Presque Isle Connect.
5G (outdoors only) and 4G LTE
Search by:
By searching, you agree to: Terms • Privacy • Disclosures