Emmet County property record for 1014 Howard St, Petoskey, MI 49770
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,650 sqft · built 1954 |
| Lot Size | 0.532 acres (23,177 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $5,992 (2024) |
| Deeds & Mortgages | Dec 2025 Mortgage Sep 2020 Mortgage + 8 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 52-19-06-400-046 |
| Primary APN | 52-19-06-400-046 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Building Area | 1,650 sqft Living Area |
| 1st Floor Area | 1,650 sqft |
| Basement Area | 1,650 sqft |
| Unfinished Basement | 1,650 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1954 |
|---|---|
| Effective Year Built | Effective 1954 |
| Lot Area | 23,177 sqft (0.532 acres) |
| Garage Area | 520 sqft |
| Heating System | Forced Air with A/C |
|---|
| Street Address | 1014 HOWARD ST |
|---|---|
| City | PETOSKEY |
| State | MI |
| Zip | 49770-3024 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | COP R-3 |
| Legal Description | COM 349 FT N OF SE COR OF NE 1/4 OF SE 1/4, TH W 308', N 46', E 128', N 46', E 180', S 92' TO BEG EXC HOWARD ST ALSO 1/2 INT: COM 303' N & 323' W OF SE COR OF NE 1/4 OF SE 1/4, TH N 270' TO S LN OF WASHINGTON ST, E 15', S 270', W 15' TO BEG, SECTION |
| Legal Range | 05W |
| Legal Township | 34N |
| Legal Section | 06 |
| Legal Subdivision | S6 T34N R5W |
| Jurisdiction | EMMET MI |
| Township / Civil Division | PETOSKEY |
| Census Block Group | 2 |
| Census Block | 2022 |
| Census Tract | 970800 |
1014 Howard St is owned and occupied by two individuals who acquired it in December 2025.
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 File |
|---|---|
| Mailing Address | 3763 SERENITY PKWY, KANKAKEE, IL 60901-8264 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| Dec 1, 2025 | Deed of Trust, Mortgage · Conventional Mortgage MERCANTILE BANK |
| Sep 16, 2020 | Deed of Trust, Mortgage · Conventional Mortgage CHEMICAL BANK |
| Mar 19, 2021 | Deed of Trust, Mortgage · Conventional Mortgage TCF NATIONAL BANK |
| May 4, 2020 | Deed of Trust, Mortgage · Conventional Mortgage TCF NATIONAL BANK |
| Jun 13, 2019 | Deed of Trust, Mortgage · ARM CHEMICAL BANK |
| Dec 15, 2021 | Deed of Trust, Mortgage · Conventional Mortgage MERCANTILE BANK OF MICHIGAN |
| Feb 7, 2022 | Deed of Trust, Mortgage · Conventional Mortgage FIRST COMMUNITY BANK |
| Nov 25, 2025 | Deed of Trust, Mortgage · Conventional Mortgage MERCANTILE BANK |
| Dec 1, 2025 | Warranty Deed, Transfer · Conventional Mortgage MERCANTILE BANK |
| Aug 9, 2018 | Warranty Deed, Transfer CHEMICAL BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 1, 2025 |
| Deed Sale | Dec 1, 2025 |
| Prior Sale | Aug 9, 2018 · Amount on File |
| Deed Document Number | 20255224621 |
| Deed Book / Page | 1271 / 585 |
| Prior Transfer Date | Jun 15, 2015 |
| Prior Transfer Doc | 01176/0988 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | EMMET MI |
| Property Address | 1014 HOWARD ST, PETOSKEY, MI 49770-3024 |
| Transaction Type | Mortgage |
| Record Updated | Dec 22, 2025 |
| Name | Verified Name |
|---|---|
| Address | 3763 SERENITY PKWY, KANKAKEE, IL 60901-8264 |
| Document Number | 0005224559 |
|---|---|
| Date | Dec 1, 2025 |
| Instrument | 5224559 |
| Name | MERCANTILE BANK |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 349 Months |
| Due | Jan 1, 2055 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | EMMET MI |
| Property Address | 1014 HOWARD ST, PETOSKEY, MI 49770-3024 |
| Transaction Type | Mortgage |
| Record Updated | Dec 15, 2025 |
| Name | Verified Name |
|---|---|
| Address | 1014 HOWARD ST, PETOSKEY, MI 49770-3024 |
| Document Number | 0000001225/0000000125 |
|---|---|
| Date | Sep 16, 2020 |
| Book Page | 0000001225/0000000125 |
| Instrument | 5178075 |
| Name | CHEMICAL BANK |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | EMMET MI |
| Property Address | 1014 HOWARD ST, PETOSKEY, MI 49770-3024 |
| Transaction Type | Mortgage |
| Record Updated | Dec 15, 2025 |
| Name | Verified Name |
|---|---|
| Address | 1014 HOWARD ST, PETOSKEY, MI 49770-3024 |
| Document Number | 0000001231/0000000121 |
|---|---|
| Date | Mar 19, 2021 |
| Book Page | 0000001231/0000000121 |
| Instrument | 5184087 |
| Name | TCF NATIONAL BANK |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jan 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | EMMET MI |
| Property Address | 1014 HOWARD ST, PETOSKEY, MI 49770-3024 |
| Transaction Type | Mortgage |
| Record Updated | Dec 15, 2025 |
| Name | Verified Name |
|---|---|
| Address | 1014 HOWARD ST, PETOSKEY, MI 49770-3024 |
| Document Number | 0000001221/0000000218 |
|---|---|
| Date | May 4, 2020 |
| Book Page | 0000001221/0000000218 |
| Instrument | 5174161 |
| Name | TCF NATIONAL BANK |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jan 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | EMMET MI |
| Property Address | 1014 HOWARD ST, PETOSKEY, MI 49770-3024 |
| Transaction Type | Mortgage |
| Record Updated | Dec 15, 2025 |
| Name | Verified Name |
|---|
| Document Number | 001212/824 |
|---|---|
| Date | Jun 13, 2019 |
| Book Page | 1212/824 |
| Instrument | 5165744 |
| Name | CHEMICAL BANK |
|---|---|
| Type | Bank |
| Type | ARM |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jul 1, 2049 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.75% |
| Type Change Date | Jul 1, 2030 |
| Index | 1-Year LIBOR |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | EMMET MI |
| Property Address | 1014 HOWARD ST, PETOSKEY, MI 49770-3024 |
| Transaction Type | Mortgage |
| Record Updated | Dec 15, 2025 |
| Name | Verified Name |
|---|---|
| Address | 1014 HOWARD ST, PETOSKEY, MI 49770-3024 |
| Document Number | 0000001239/0000000973 |
|---|---|
| Date | Dec 15, 2021 |
| Book Page | 0000001239/0000000973 |
| Instrument | 5192934 |
| Name | MERCANTILE BANK OF MICHIGAN |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jan 1, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 2.75% |
| Type Change Date | Jan 1, 2020 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | EMMET MI |
| Property Address | 1014 HOWARD ST, PETOSKEY, MI 49770-3024 |
| Transaction Type | Mortgage |
| Record Updated | Dec 15, 2025 |
| Name | Verified Name |
|---|---|
| Address | 1014 HOWARD ST, PETOSKEY, MI 49770-3024 |
| Document Number | 0000001241/0000000352 |
|---|---|
| Date | Feb 7, 2022 |
| Book Page | 0000001241/0000000352 |
| Instrument | 5194326 |
| Name | FIRST COMMUNITY BANK |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | EMMET MI |
| Property Address | 1014 HOWARD ST, PETOSKEY, MI 49770-3024 |
| Transaction Type | Mortgage |
| Record Updated | Dec 8, 2025 |
| Title Company | ARK TITLE GROUP LLC, AL TITLE GROUP LLC |
| Name | Verified Name |
|---|---|
| Address | 1014 HOWARD ST, PETOSKEY, MI 49770-3024 |
| Document Number | 0000001271/0000000523 |
|---|---|
| Date | Nov 25, 2025 |
| Book Page | 0000001271/0000000523 |
| Instrument | 5224559 |
| Name | MERCANTILE BANK |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jan 1, 2055 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | EMMET MI |
| Recording Date | Dec 1, 2025 |
| Property Address | 1014 HOWARD ST, PETOSKEY, MI 49770-3024 |
| Document Number | 001271/585 |
| Book / Page | 1271 / 585 |
| Instrument Date | Nov 21, 2025 |
| Instrument | 5224621 |
| Transaction Type | Transfer |
| Record Updated | Dec 15, 2025 |
| Title Company | CRISLO TITLE COMPANY, CISLO TITLE COMPANY |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Community Property |
| Address | 3763 SERENITY PKWY, KANKAKEE, IL 60901-8264 |
| Document Number | 0005224559 |
|---|---|
| Date | Dec 1, 2025 |
| Instrument | 5224559 |
| Name | MERCANTILE BANK |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 349 Months |
| Due | Jan 1, 2055 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | EMMET MI |
| Recording Date | Aug 9, 2018 |
| Property Address | 1014 HOWARD ST, PETOSKEY, MI 49770-3024 |
| Document Number | 001205/669 |
| Book / Page | 1205 / 669 |
| Instrument Date | Jul 26, 2018 |
| Instrument | 000005158564 |
| Transaction Type | Transfer |
| Record Updated | Aug 12, 2022 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount from Assessment |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 722 STATE ST, PETOSKEY, MI 49770-2755 |
| Document Number | 0000001205/0000000670 |
|---|---|
| Date | Aug 9, 2018 |
| Book Page | 0000001205/0000000670 |
| Instrument | 000005158565 |
| Name | CHEMICAL BANK |
|---|---|
| Type | Bank |
| Amount | Amount on Record |
|---|---|
| Term | 353 Months |
| Due | Jan 1, 2048 |
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 | $302,700 (+8.96%) Land $302,700 | $605,400 (+8.96%) Land $605,400 | |
| 2025 | $277,800 Land $277,800 | $555,600 Land $555,600 | |
| 2024 | $5,992.00 | ||
| 2023 | $197,000 Land $197,000 | $394,000 Land $394,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1014 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 1014 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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