Emmet County property record for 1015 Curtis Ave, Petoskey, MI 49770
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 1,416 sqft · built 1980 |
| Lot Size | 0.696 acres (30,353 sqft) |
| Owner | Individual Name on File |
| Last Sale | $225,000 (Jun 2021) |
| Tax Bill | $5,313 (2024) |
| Deeds & Mortgages | Dec 2018 Mortgage Jun 2021 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 52-19-06-400-079 |
| Primary APN | 52-19-06-400-079 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Building Area | 1,416 sqft Living Area |
| 1st Floor Area | 1,416 sqft |
| Basement Area | 1,416 sqft |
| Unfinished Basement | 1,416 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1980 |
|---|---|
| Effective Year Built | Effective 1980 |
| Lot Area | 30,353 sqft (0.696 acres) |
| Garage Area | 824 sqft |
| Street Address | 1015 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 AT S 1/4 COR OF SEC 6, TH N 1026.03' ALG THE N & S 1/4 LN OF SD SEC TO POB. TH N 88.75', E TO R/R R/W, TH SE'LY ALG SD R/W 94.99', TH W 413.55' TO POB. EXC ROAD R/W. 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 |
1015 Curtis Ave is owned and occupied by an individual who acquired it in May 2024.
Source: Emmet County records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 1015 CURTIS AVE, PETOSKEY, MI 49770-2811 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
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 |
|---|---|
| Dec 18, 2018 | Deed of Trust, Mortgage · Balloon Mortgage CITIZENS NATIONAL BANK |
| Jun 11, 2021 | Warranty Deed, Transfer · Conventional Mortgage HUNTINGTON NATIONAL BANK |
| Dec 18, 2018 | Quit Claim Deed, Transfer · Balloon Mortgage CITIZENS NATIONAL BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 11, 2021 · Amount on File |
| Deed Sale | Jun 11, 2021 · Amount on File |
| Prior Sale | Nov 4, 2005 |
| Deed Document Number | 20215186992 |
| Deed Book / Page | 1234 / 28 |
| Last Transfer Date | May 8, 2024 |
| Transfer Doc | 001259/655 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | EMMET MI |
| Property Address | 1015 CURTIS AVE, PETOSKEY, MI 49770-2811 |
| Transaction Type | Mortgage |
| Record Updated | Jun 14, 2023 |
| Name | Verified Name |
|---|
| Document Number | 001208/792 |
|---|---|
| Date | Dec 18, 2018 |
| Book Page | 1208/792 |
| Instrument | 5161685 |
| Name | CITIZENS NATIONAL BANK |
|---|---|
| Type | Bank |
| Type | Balloon Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 229 Months |
| Due | Jan 1, 2038 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | EMMET MI |
| Recording Date | Jun 11, 2021 |
| Property Address | 1015 CURTIS AVE, PETOSKEY, MI 49770-2811 |
| Document Number | 1234/28 |
| Book / Page | 1234 / 28 |
| Instrument Date | Jun 9, 2021 |
| Instrument | 5186992 |
| Transaction Type | Transfer |
| Record Updated | Jun 28, 2021 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 422 PORTER ST, PETOSKEY, MI 49770-2845 |
| Document Number | 5186993 |
|---|---|
| Date | Jun 11, 2021 |
| Instrument | 5186993 |
| Name | HUNTINGTON NATIONAL BANK |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 355 Months |
| Due | Jan 1, 2051 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | EMMET MI |
| Recording Date | Dec 18, 2018 |
| Property Address | 1015 CURTIS AVE, PETOSKEY, MI 49770-2811 |
| Document Number | 1208/791 |
| Book / Page | 1208 / 791 |
| Instrument Date | Dec 18, 2018 |
| Instrument | 5161684 |
| Transaction Type | Transfer |
| Record Updated | Jun 22, 2021 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 6645S S EXTENSION RD, CHEBOYGAN, MI 49721-9725 |
| Document Number | 1208/792 |
|---|---|
| Date | Dec 18, 2018 |
| Book Page | 1208/792 |
| Instrument | 5161685 |
| Name | CITIZENS NATIONAL BANK |
|---|---|
| Type | Bank |
| Type | Balloon Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 229 Months |
| Due | Jan 1, 2038 |
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 | $264,900 (+28.72%) Land $264,900 | $529,800 (+28.72%) Land $529,800 | |
| 2025 | $205,800 Land $205,800 | $411,600 Land $411,600 | |
| 2024 | $5,313.00 | ||
| 2023 | $147,400 Land $147,400 | $294,800 Land $294,800 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1015 Curtis Ave in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 risk around 1015 Curtis Ave 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 | 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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