Cheboygan County property record for 9728 John Werner Dr, Cheboygan, MI 49721
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 5.5 ba · 4,614 sqft · built 1968 |
| Lot Size | 0.72 acres (31,363 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $10,910 (2025) |
| Deeds & Mortgages | May 2021 Mortgage Aug 2018 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 105-R53-000-018-00 |
| Primary APN | 105-R53-000-018-00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 5.5 Baths |
| Half Baths | 3 Half Baths |
| Building Area | 4,614 sqft Living Area |
| 1st Floor Area | 2,307 sqft |
| Basement Area | 2,125 sqft |
| Unfinished Basement | 2,125 sqft |
| Year Built | Built 1968 |
|---|---|
| Effective Year Built | Effective 1968 |
| Architectural Style | Ranch |
| Lot Area | 31,363 sqft (0.72 acres) |
| Garage Area | 2,114 sqft |
| Heating System | Forced Air with A/C |
|---|
| Street Address | 9728 JOHN WERNER DR |
|---|---|
| City | CHEBOYGAN |
| State | MI |
| Zip | 49721-9411 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | RIVERVIEW ACRES, LOT 18. (SEC 17, T37N,R1W) 475/303;1289/207; 1313/706 |
| Legal Range | 01W |
| Legal Township | 018 |
| Legal Section | 17 |
| Legal Lot Number | 18 |
| Jurisdiction | CHEBOYGAN MI |
| Township / Civil Division | BENTON |
| Census Block Group | 4 |
| Census Block | 4008 |
| Census Tract | 960300 |
9728 John Werner Dr is owned and occupied by two individuals.
Source: Cheboygan County records, as of June 16, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 9728 JOHN WERNER DR, CHEBOYGAN, MI 49721-9411 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
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 |
|---|---|
| May 24, 2021 | Deed of Trust, Mortgage · Conventional Mortgage CITIZENS NATIONAL BANK OF CHEBOYGAN |
| Aug 29, 2018 | Deed of Trust, Mortgage CITIZENS NATIONAL BANK |
| Feb 6, 2020 | Deed of Trust, Mortgage · Conventional Mortgage CITIZENS NATIONAL BANK OF CHEBOYGAN |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHEBOYGAN MI |
| Property Address | 9728 JOHN WERNER DR, CHEBOYGAN, MI 49721-9411 |
| Transaction Type | Mortgage |
| Record Updated | Jun 14, 2021 |
| Name | Verified Name |
|---|---|
| Address | 9728 JOHN WERNER DR, CHEBOYGAN, MI 49721-9411 |
| Document Number | 0000001450/0000000309 |
|---|---|
| Date | May 24, 2021 |
| Book Page | 0000001450/0000000309 |
| Name | CITIZENS NATIONAL BANK OF CHEBOYGAN |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jan 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHEBOYGAN MI |
| Property Address | 9728 JOHN WERNER DR, CHEBOYGAN, MI 49721-9411 |
| Transaction Type | Mortgage |
| Record Updated | Jun 1, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000001367/0000000252 |
|---|---|
| Date | Aug 29, 2018 |
| Book Page | 0000001367/0000000252 |
| Name | CITIZENS NATIONAL BANK |
|---|---|
| Type | Bank |
| Amount | Amount on Record |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHEBOYGAN MI |
| Property Address | 9728 JOHN WERNER DR, CHEBOYGAN, MI 49721-9411 |
| Transaction Type | Mortgage |
| Record Updated | Jun 1, 2021 |
| Name | Verified Name |
|---|---|
| Address | 9728 JOHN WERNER DR, CHEBOYGAN, MI 49721-9411 |
| Document Number | 0000001405/0000000137 |
|---|---|
| Date | Feb 6, 2020 |
| Book Page | 0000001405/0000000137 |
| Name | CITIZENS NATIONAL BANK OF CHEBOYGAN |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 12 Months |
| Due | Jan 1, 2021 |
The 2025 property tax bill for 9728 John Werner Dr was $10,910 with a homeowner's exemption.
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 | $907,200 | $1,814,400 | |
| 2025 | $10,910.00 | ||
| 2023 | $643,800 | $1,287,600 | |
| 2022 | $9,374.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 9728 John Werner 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
| 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 risk around 9728 John Werner 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 | 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.
Source: FCC Broadband Data Collection, based on 38 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
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