Emmet County property record for 1009 Howard St, Petoskey, MI 49770
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 2 ba · 2,653 sqft |
| Lot Size | 0.293 acres (12,783 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $8,651 (2024) |
| Deeds & Mortgages | Oct 2023 Mortgage Jan 2022 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 52-19-05-302-022 |
| Primary APN | 52-19-05-302-022 |
|---|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 2,653 sqft Living Area |
| 1st Floor Area | 1,643 sqft |
| Basement Area | 1,643 sqft |
| Unfinished Basement | 1,643 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Lot Area | 12,783 sqft (0.293 acres) |
|---|---|
| Garage Area | 1,096 sqft |
| Heating System | Forced Air with A/C |
|---|
| Street Address | 1009 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. LOTS 21 & 22 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 | 21-22 |
| Jurisdiction | EMMET MI |
| Township / Civil Division | PETOSKEY |
| Census Block Group | 2 |
| Census Block | 2023 |
| Census Tract | 970800 |
1009 Howard St is owned and occupied by two individuals who acquired it in May 2025.
Source: Emmet County records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1009 HOWARD ST, PETOSKEY, MI 49770-3023 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Unmarried Woman |
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 |
|---|---|
| Oct 2, 2023 | Warranty Deed, Transfer · Conventional Mortgage MUTUAL OF OMAHA MORTGAGE |
| Jan 14, 2022 | Warranty Deed, Transfer · Conventional Mortgage MERCANTILE BANK OF MICHIGAN |
| Jul 22, 2020 | Deed of Trust, Mortgage · Conventional Mortgage TCF NATIONAL BANK |
| Jan 2, 2019 | Warranty Deed, Transfer · Stand-Alone First Mortgage CHEMICAL BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 2, 2023 |
| Deed Sale | Oct 2, 2023 |
| Prior Sale | Jan 14, 2022 |
| Deed Document Number | 20235208130 |
| Deed Book / Page | 1255 / 140 |
| Last Transfer Date | May 16, 2025 |
| Transfer Doc | 001267/329 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | EMMET MI |
| Recording Date | Oct 2, 2023 |
| Property Address | 1009 HOWARD ST, PETOSKEY, MI 49770-3023 |
| Document Number | 001255/140 |
| Book / Page | 1255 / 140 |
| Instrument Date | Sep 21, 2023 |
| Instrument | 5208130 |
| Transaction Type | Transfer |
| Record Updated | Oct 13, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 22705 ROSEDALE ST, SAINT CLAIR SHORES, MI 48080-3863 |
| Document Number | 0005208131 |
|---|---|
| Date | Oct 2, 2023 |
| Instrument | 5208131 |
| Name | MUTUAL OF OMAHA MORTGAGE |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 351 Months |
| Due | Jan 1, 2053 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | EMMET MI |
| Recording Date | Jan 14, 2022 |
| Property Address | 1009 HOWARD ST, PETOSKEY, MI 49770-3023 |
| Document Number | 001240/842 |
| Book / Page | 1240 / 842 |
| Instrument Date | Jan 11, 2022 |
| Instrument | 5198317 |
| Transaction Type | Transfer |
| Record Updated | Feb 7, 2022 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1009 HOWARD ST, PETOSKEY, MI 49770-3023 |
| Document Number | 0005193818 |
|---|---|
| Date | Jan 14, 2022 |
| Instrument | 5193818 |
| Name | MERCANTILE BANK OF MICHIGAN |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jan 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | EMMET MI |
| Property Address | 1009 HOWARD ST, PETOSKEY, MI 49770-3023 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|---|
| Address | 1009 HOWARD ST, PETOSKEY, MI 49770-3023 |
| Document Number | 0000001223/0000000284 |
|---|---|
| Date | Jul 22, 2020 |
| Book Page | 0000001223/0000000284 |
| Instrument | 5176227 |
| Name | TCF NATIONAL BANK |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jan 1, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | EMMET MI |
| Recording Date | Jan 2, 2019 |
| Property Address | 1009 HOWARD ST, PETOSKEY, MI 49770-3023 |
| Document Number | 1209/74 |
| Book / Page | 1209 / 74 |
| Instrument Date | Dec 20, 2018 |
| Instrument | 5161990 |
| Transaction Type | Transfer |
| Record Updated | Jun 22, 2021 |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1009 HOWARD ST, PETOSKEY, MI 49770-3023 |
| Document Number | 5161991 |
|---|---|
| Date | Jan 2, 2019 |
| Instrument | 5161991 |
| Name | CHEMICAL BANK |
|---|---|
| Type | Bank |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Number | 0001209/74 |
|---|---|
| Date | Jan 2, 2019 |
| Book Page | 1209/74 |
| Instrument | 5161990 |
| Name | CHEMICAL BANK |
|---|---|
| Type | Bank |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Feb 1, 2049 |
Source: Emmet County assessment roll, as of July 21, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Emmet County |
| Municipality | Petoskey City |
| Unified School District | Public Schools of Petoskey (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $324,900 (+10.66%) Land $324,900 | $649,800 (+10.66%) Land $649,800 | |
| 2025 | $293,600 Land $293,600 | $587,200 Land $587,200 | |
| 2024 | $8,651.00 | ||
| 2023 | $214,900 Land $214,900 | $429,800 Land $429,800 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1009 Howard St in Zone X, an area of minimal flood risk.
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 risk around 1009 Howard St 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 | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 237 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 |
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