1008 Franklin St, Petoskey, MI 49770 Property Records

Emmet County property record for 1008 Franklin St, Petoskey, MI 49770

Property Summary

Property Type	Commercial
Details	24,134 sqft
Lot Size	0.96 acres (41,818 sqft)
Owner	2 Individual Names on Record
Last Sale	$200,000 (Jan 2006)
Tax Bill	$11,637 (2024)
Deeds & Mortgages	Sep 2025 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`52-19-06-400-034`

Property Details

APN / Parcel Number

Primary APN	`52-19-06-400-034`

Interior

Building Area	24,134 sqft Building Perimeter

Exterior

Fire Resistance	Fireproof Steel Frame
Lot Area	41,818 sqft (0.96 acres)

Location & Zoning

Street Address	1008 FRANKLIN ST
City	PETOSKEY
State	MI
Zip	49770-2916
Property Category	Commercial
Property Type	Commercial > Retail
Local Zoning Code	COP I-2
Legal Description	COM AT S 1/4 COR OF SEC, TH S 89?56'30"E 883.01 FT ALG S SEC LN TH N1?21'43"E 1667.26 FT TO POB, TH CONT N1?21'43"E 236.49 FT ALG S'LY EXT OF W LN OF FRANKLIN ST, TH N89?52'32"W 210.17 FT, S16?21'59"E 194.28 FT, TH S1?44'54"W 50.27 FT, S89?52'32"E 15
Legal Range	05W
Legal Township	34N
Legal Section	06
Jurisdiction	EMMET MI
Township / Civil Division	PETOSKEY
Census Block Group	3
Census Block	3018
Census Tract	970800

Owner

Source: Emmet County records, as of October 20, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	4921 GOKEE RD, BOYNE FALLS, MI 49713-9302
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 6, 2006 · Amount on Record
Deed Sale	Jan 6, 2006 · Amount on Record
Deed Book / Page	1074 / 395
Record Updated	Oct 29, 2026

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EMMET MI
Property Address	1008 FRANKLIN ST, PETOSKEY, MI 49770-2916
Transaction Type	Mortgage
Record Updated	Sep 29, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1008 FRANKLIN ST, PETOSKEY, MI 49770-2916

Mortgage

Document Number	0000001269/0000000996
Date	Sep 19, 2025
Book Page	0000001269/0000000996
Instrument	5223028

Lender

Name	ST FRANCIS X FEDERAL CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2055

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		$457,100 (+7.6%) Land $457,100	$914,200 (+7.6%) Land $914,200
2024	$11,637.00
2023		$424,800 Land $424,800	$849,600 Land $849,600

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

Flood

Source: FEMA National Flood Hazard Layer, effective May 31, 2022 · OpenFEMA NFIP redacted claims and policies, as of September 2026

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
Nearby Flood Claims	1 (2012)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jun 2012 · 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

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 226 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
Starlink Satellite	280 / 30