Emmet County property record for 1011 Curtis Ave, Petoskey, MI 49770
| Property Type | Single Family Home |
|---|---|
| Lot Size | 0.484 acres (21,108 sqft) |
| Owner | 2 Company Names on Record |
| Tax Bill | $3,313 (2024) |
| Deeds & Mortgages | Jun 2021 Mortgage Oct 2020 Sale + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 52-19-06-400-070 |
| Primary APN | 52-19-06-400-070 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Building Area | 2,164 sqft Living Area |
| 1st Floor Area | 1,430 sqft |
| Basement Area | 1,144 sqft |
| Unfinished Basement | 1,144 sqft |
| Year Built | Built 2005 |
|---|---|
| Effective Year Built | Effective 2005 |
| Lot Area | 21,108 sqft (0.484 acres) |
| Garage Area | 432 sqft |
| Street Address | 1011 CURTIS AVE |
|---|---|
| City | PETOSKEY |
| State | MI |
| Zip | 49770-2811 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | COP R-1 |
| Legal Description | COM 1179.78 FT N OF S 1/4 COR FOR POB, TH N 70.19 FT, E 321.82 FT TO SW'LY LN OF JARMAN'S SPUR, TH ALG SD ROW ON ARC OF 666.34 FT RAD CURVE 76.12 FT, CHD S-23-41-47-E 76.08 FT, TH W 352.4 FT TO POB, PT OF SW 1/4 OF SE 1/4 OF SECTION 6, T34N, R5W. |
| Legal Range | 05W |
| Legal Township | 34N |
| Legal Section | 06 |
| Jurisdiction | EMMET MI |
| Township / Civil Division | PETOSKEY |
| Census Block Group | 3 |
| Census Block | 3015 |
| Census Tract | 970800 |
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 | 2 Company Names on Record |
|---|---|
| Mailing Address | 1011 CURTIS AVE, PETOSKEY, MI 49770-2811 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Life Estate |
| Date | Document |
|---|---|
| Jun 25, 2021 | Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS |
| Oct 15, 2020 | Warranty Deed, Transfer |
| Nov 8, 2017 | Warranty Deed, Transfer · ARM CHEMICAL BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 15, 2020 |
| Deed Sale | Oct 15, 2020 |
| Prior Sale | Nov 8, 2017 · Amount on Record |
| Deed Document Number | 20205179074 |
| Deed Book / Page | 1226 / 125 |
| Prior Transfer Date | Oct 6, 2020 |
| Prior Transfer Doc | 1226/125 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | EMMET MI |
| Property Address | 1011 CURTIS AVE, PETOSKEY, MI 49770-2811 |
| Transaction Type | Mortgage |
| Record Updated | Jul 16, 2021 |
| Name | Verified Name |
|---|---|
| Address | 1011 CURTIS AVE, PETOSKEY, MI 49770-2811 |
| Document Number | 0000001234/0000000464 |
|---|---|
| Date | Jun 25, 2021 |
| Book Page | 0000001234/0000000464 |
| Instrument | 5187428 |
| Name | QUICKEN LOANS |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 324 Months |
| Due | Jan 1, 2048 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | EMMET MI |
| Recording Date | Oct 15, 2020 |
| Property Address | 1011 CURTIS AVE, PETOSKEY, MI 49770-2811 |
| Document Number | 1226/125 |
| Book / Page | 1226 / 125 |
| Instrument Date | Oct 6, 2020 |
| Instrument | 5179074 |
| Transaction Type | Transfer |
| Record Updated | Jun 22, 2021 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1011 CURTIS AVE, PETOSKEY, MI 49770-2811 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | EMMET MI |
| Recording Date | Nov 8, 2017 |
| Property Address | 1011 CURTIS AVE, PETOSKEY, MI 49770-2811 |
| Document Number | 1199/0197 |
| Book / Page | 1199 / 0197 |
| Instrument Date | Oct 31, 2017 |
| Instrument | 5152080 |
| Transaction Type | Transfer |
| Record Updated | Jun 22, 2021 |
| Title Company | DEVON TITLE COMPANY, DEVON TITLE AGENCY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1011 CURTIS AVE, 1011, PETOSKEY, MI 49770-2811 |
| Name | Verified Name |
|---|---|
| Address | PO BOX 1731, PETOSKEY, MI 49770-1731 |
| Document Number | 1199/0198 |
|---|---|
| Date | Nov 8, 2017 |
| Book Page | 1199/0198 |
| Instrument | 5152081 |
| Name | CHEMICAL BANK |
|---|---|
| Type | Bank |
| Address | WYOMING, MI 49519 |
| Type | ARM |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 1, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.37% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Nov 1, 2027 |
| Change Frequency | Annually |
| Min Rate At Change | 2.75% |
| Max Rate At Change | 9.37% |
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 | $236,200 (+26.78%) Land $236,200 | $472,400 (+26.78%) Land $472,400 | |
| 2025 | $186,300 (+40.08%) Land $186,300 | $372,600 (+40.08%) Land $372,600 | |
| 2024 | $3,313.00 | ||
| 2023 | $133,000 Land $133,000 | $266,000 Land $266,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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.
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 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 |
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