9900 Two Lakes Trl, Charlevoix, MI 49720 Property Records

Charlevoix County property record for 9900 Two Lakes Trl, Charlevoix, MI 49720

Property Summary

Property Type	Single Family Home
Details	4 bd · 4.5 ba · 2,813 sqft · built 2006
Lot Size	5.6 acres (243,936 sqft)
Owner	Trust Name on File
Tax Bill	$7,177 (2025)
Flood Zone	Zone X (minimal risk)
APN	`007-118-013-15`

Property Details

APN / Parcel Number

Primary APN	`007-118-013-15`

Interior

Bedrooms	4 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Building Area	2,813 sqft Building Perimeter
1st Floor Area	2,645 sqft
Basement Area	2,440 sqft
Unfinished Basement	2,440 sqft
Fireplaces	3 Fireplaces
Fireplace	Fireplace

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Exterior Material	Wood Siding
Lot Area	243,936 sqft (5.6 acres)
Garage Area	748 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	9900 TWO LAKES TRL
City	CHARLEVOIX
State	MI
Zip	49720-2107
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A1
Legal Description	COM AT N1/4 COR OF SEC 18 T34N R7W TH AL N&S1/4 LI OF SD SEC S00DEG07'58E 337.71FT (RECD AS 338FT) FOR POB TH N77DEG28'35E 53
Legal Range	07W
Legal Township	34N
Legal Section	18
Legal Unit	36
Jurisdiction	CHARLEVOIX MI
Township / Civil Division	HAYES
Census Block Group	1
Census Block	1027
Census Tract	400

Owner

9900 Two Lakes Trl is owner-occupied and held in a trust since April 2006.

Source: Charlevoix County records, as of June 18, 2026

Owner of Record	Trust Name on File
Mailing Address	9900 TWO LAKES TRL, CHARLEVOIX, MI 49720-2107
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 1, 2006
Deed Sale	Apr 1, 2006
Record Updated	Sep 20, 2026

Tax Assessment & Valuation

The 2025 property tax bill for 9900 Two Lakes Trl was $7,177 with a homeowner's exemption, up 1.4% from the year before.

Source: Charlevoix County assessment roll, as of June 18, 2026

Property Jurisdictions

Type	Name
State	Michigan
County	Charlevoix County
County Subdivision	Hayes Township
Unified School District	Charlevoix Public Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$537,900 (+12.13%)	$1,075,800 (+12.13%)
2025	$7,177.00 (+1.37%) Homeowner's exemption	$479,700	$959,400
2024	$7,080.00
2023		$449,700	$899,400
2022	$6,633.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 9900 Two Lakes Trl in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2018.

Source: FEMA National Flood Hazard Layer, effective September 15, 2022 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 in force
Nearby Flood Claims	1 (2018)
Claims Outside the SFHA	1 of 1
Most Recent Claim	May 2018 · rainfall accumulation

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 9900 Two Lakes Trl 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.

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)
Truestream Fiber	1,000 / 1,000