1005 Howard St, Petoskey, MI 49770 Property Records

Emmet County property record for 1005 Howard St, Petoskey, MI 49770

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,216 sqft · built 1900
Lot Size	0.144 acres (6,280 sqft)
Owner	Individual Name on Record
Last Sale	$313,000 (Jul 2022)
Tax Bill	$3,680 (2024)
Deeds & Mortgages	Aug 2022 Mortgage Jul 2022 Sale + 2 more
Flood Zone	Zone X (minimal risk)
APN	`52-19-05-302-019`

Property Details

APN / Parcel Number

Primary APN	`52-19-05-302-019`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Building Area	1,216 sqft Living Area
1st Floor Area	956 sqft
Basement Area	956 sqft
Unfinished Basement	956 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Lot Area	6,280 sqft (0.144 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	1005 HOWARD ST
City	PETOSKEY
State	MI
Zip	49770-3023
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	COP R-3
Legal Description	QUINLAN & FOCHTMAN'S ADD. LOT 23 BLK 2. SECTION 5, T34N, R5W
Legal Range	05W
Legal Township	34N
Legal Section	05
Legal Subdivision	QUINLAN & FOCHTMANS ADDITION
Legal Block	2
Legal Lot Number	23
Jurisdiction	EMMET MI
Township / Civil Division	PETOSKEY
Census Block Group	2
Census Block	2023
Census Tract	970800

Owner

Source: Emmet County records, as of October 20, 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	1005 HOWARD ST, PETOSKEY, MI 49770-3023
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 26, 2022	Deed of Trust, Mortgage · Conventional Mortgage WINNELL TODD C TRUST
Jul 22, 2022	Warranty Deed, Transfer
Oct 22, 2021	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE
Dec 11, 2020	Warranty Deed, Transfer · Conventional Mortgage QUICKEN LOANS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 22, 2022 · Amount on Record
Deed Sale	Jul 22, 2022 · Amount on Record
Prior Sale	Dec 11, 2020 · Amount on Record
Deed Document Number	20225198724
Deed Book / Page	1245 / 754
Record Updated	Oct 29, 2026

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EMMET MI
Property Address	1005 HOWARD ST, PETOSKEY, MI 49770-3023
Transaction Type	Mortgage
Record Updated	Sep 2, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1005 HOWARD ST, PETOSKEY, MI 49770-3023

Mortgage

Document Number	0000001246/0000000610
Date	Aug 26, 2022
Book Page	0000001246/0000000610
Instrument	5199580

Lender

Name	WINNELL TODD C TRUST

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

July 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EMMET MI
Recording Date	Jul 22, 2022
Property Address	1005 HOWARD ST, PETOSKEY, MI 49770-3023
Document Number	001245/754
Book / Page	1245 / 754
Instrument Date	Jul 15, 2022
Instrument	5198724
Transaction Type	Transfer
Record Updated	Aug 5, 2022

Transaction

Amount	Amount Recorded
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	1005 HOWARD ST, PETOSKEY, MI 49770-3023

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EMMET MI
Property Address	1005 HOWARD ST, PETOSKEY, MI 49770-3023
Transaction Type	Mortgage
Record Updated	Nov 15, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	301 LAFAYETTE AVE, PETOSKEY, MI 49770-2597

Mortgage

Document Number	0000001238/0000000218
Date	Oct 22, 2021
Book Page	0000001238/0000000218
Instrument	5191180

Lender

Name	ROCKET MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	324 Months
Due	Jan 1, 2048

December 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EMMET MI
Recording Date	Dec 11, 2020
Property Address	1005 HOWARD ST, PETOSKEY, MI 49770-3023
Document Number	1227/940
Book / Page	1227 / 940
Instrument Date	Nov 24, 2020
Instrument	5180889
Transaction Type	Transfer
Record Updated	Jun 22, 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	301 LAFAYETTE AVE, PETOSKEY, MI 49770-2597

Mortgage

Document Number	0000001227/0000000941
Date	Dec 11, 2020
Book Page	0000001227/0000000941
Instrument	5180890

Lender

Name	QUICKEN LOANS

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2050

Tax Assessment & Valuation

Source: Emmet County assessment roll, as of July 21, 2026

Property Jurisdictions

Type	Name
State	Michigan
County	Emmet County
Municipality	Petoskey City
Unified School District	Public Schools of Petoskey (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$148,300 (+45.96%) Land $148,300	$296,600 (+45.96%) Land $296,600
2024	$3,680.00
2023		$101,600 Land $101,600	$203,200 Land $203,200

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 May 31, 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	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CITY OF PETOSKEY serves 8,979 people · EPA ID MI0005300
Water Source	Groundwater
Last State Inspection	Aug 2023
Lead	2 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 508 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: AT&T.

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