1071 Roy Rd, Petoskey, MI 49770 Property Records

Emmet County property record for 1071 Roy Rd, Petoskey, MI 49770

Property Summary

Property Type	Single Family Home
Lot Size	5 acres (217,800 sqft)
Owner	2 Individual Names on Record
Last Sale	$935,000 (Aug 2026)
Tax Bill	$5,967 (2024)
Deeds & Mortgages	Aug 2026 Sale & Mortgage Aug 2026 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`14-20-09-200-027`

Property Details

APN / Parcel Number

Primary APN	`14-20-09-200-027`

Interior

Bedrooms	4 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Building Area	3,689 sqft Living Area
1st Floor Area	2,365 sqft
Basement Area	2,365 sqft
Unfinished Basement	2,365 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2011
Effective Year Built	Effective 2011
Architectural Style	Ranch
Lot Area	217,800 sqft (5 acres)
Garage Area	1,271 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	1071 ROY RD
City	PETOSKEY
State	MI
Zip	49770-9592
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	EC FF-2
Legal Description	COM 1814.74 FT E OF N 1/4 COR FOR POB, TH CONT E 968.36 FT TO NE COR OF SEC, TH S 150 FT, TH S74?50'7"W 779.46 FT TO C/L OF ROY RD, TH N'LY ALG SD RD TO N SEC LN & POB, EXC RD ROW, 5 AC M/L, SECTION 9, T34N, R4W.
Legal Range	04W
Legal Township	34N
Legal Section	09
Legal Subdivision	S9 T34N R4W
Jurisdiction	EMMET MI
Township / Civil Division	SPRINGVALE
Census Block Group	4
Census Block	4008
Census Tract	970500

Owner

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 Individual Names on Record
Mailing Address	1279 BALD EAGLE LAKE RD, ORTONVILLE, MI 48462-9096
Owner Type	Individual
Vesting	Married Couple

Deeds, Mortgages & Sale History

Date	Document
Aug 4, 2026	Warranty Deed, Transfer JPMORGAN CHASE BANK
Aug 4, 2026	Warranty Deed, Transfer · Conventional Mortgage JP MORGAN CHASE BANK USA
May 18, 2020	Deed of Trust, Mortgage · Conventional Mortgage CITIZENS NATIONAL BANK OF CHEBOYGAN

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 4, 2026 · Amount on Record
Deed Sale	Aug 4, 2026 · Amount on Record
Prior Sale	Mar 26, 2025
Deed Document Number	20265229925
Deed Book / Page	1276 / 871
Prior Transfer Date	Jun 24, 2010
Prior Transfer Doc	1126/48
Record Updated	Oct 29, 2026

August 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EMMET MI
Recording Date	Aug 4, 2026
Property Address	1071 ROY RD, PETOSKEY, MI 49770-9592
Document Number	0005229925
Book / Page	1276 / 871
Instrument Date	Jul 30, 2026
Instrument	20265229925
Transaction Type	Transfer
Record Updated	Aug 26, 2026
Title Company	CISLO TITLE, CISLO TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$103,878.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1279 BALD EAGLE LAKE RD, ORTONVILLE, MI 48462-9096

Mortgage

Document Number	0005229926,
Date	Aug 4, 2026
Book Page	1276/872
Instrument	20265229926

Lender

Name	JPMORGAN CHASE BANK

Agreement

Amount	Amount Recorded
Term	240 Months
Due	Aug 1, 2046

Interest

Max Rate	-1%

August 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EMMET MI
Recording Date	Aug 4, 2026
Property Address	1071 ROY RD, PETOSKEY, MI 49770-9592
Document Number	0005229925
Book / Page	1276 / 871
Instrument Date	Jul 30, 2026
Instrument	20265229925
Transaction Type	Transfer
Record Updated	Aug 17, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1279 BALD EAGLE LAKE RD, ORTONVILLE, MI 48462-9096

Mortgage

Document Number	0005229926,
Date	Aug 4, 2026
Book Page	1276/872
Instrument	20265229926

Lender

Name	JP MORGAN CHASE BANK USA

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Jul 1, 2046

Interest

Rate	6.43%
Max Rate	-1%

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EMMET MI
Property Address	1071 ROY RD, PETOSKEY, MI 49770-9592
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1071 ROY RD, PETOSKEY, MI 49770-9592

Mortgage

Document Number	0000001221/0000000506
Date	May 18, 2020
Book Page	0000001221/0000000506
Instrument	5174449

Lender

Name	CITIZENS NATIONAL BANK OF CHEBOYGAN

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jan 1, 2035

Tax Assessment & Valuation

Source: Emmet County assessment roll, as of July 21, 2026

Property Jurisdictions

Type	Name
State	Michigan
County	Emmet County
County Subdivision	Springvale Township
Unified School District	Public Schools of Petoskey (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$485,000 (-2.86%) Land $485,000	$970,000 (-2.86%) Land $970,000
2025		$499,300 (+31.29%) Land $499,300	$998,600 (+31.29%) Land $998,600
2024	$5,967.00
2023		$380,300 Land $380,300	$760,600 Land $760,600

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

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

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 16 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Truestream Fiber	1,000 / 1,000
Spectrum Cable	1,000 / 1,000
Starlink Satellite	280 / 30

Cell Coverage

4G LTE (outdoors only), no 5G reported

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