109 Division St, Petoskey, MI 49770 Property Records

Emmet County property record for 109 Division St, Petoskey, MI 49770

Property Summary

Property Type	Single Family Home
Lot Size	0.163 acres (7,126 sqft)
Owner	Individual Name on Record
Tax Bill	$6,269 (2024)
Deeds & Mortgages	Aug 2022 Sale Apr 2020 Sale
Flood Zone	Zone X (minimal risk)
APN	`52-19-05-102-007`

Property Details

APN / Parcel Number

Primary APN	`52-19-05-102-007`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Building Area	1,882 sqft Living Area
1st Floor Area	1,142 sqft
Basement Area	917 sqft
Unfinished Basement	917 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1896
Effective Year Built	Effective 1896
Lot Area	7,126 sqft (0.163 acres)
Garage Area	400 sqft

Location & Zoning

Street Address	109 DIVISION ST
City	PETOSKEY
State	MI
Zip	49770-2441
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	COP RM-2
Legal Description	FRANCIS PETOSKEY'S ADDITION LOT 4 BLK 3. NOTE HOME IMP ACT SECTION 5, T34N, R5W
Legal Range	05W
Legal Township	34N
Legal Section	05
Legal Subdivision	FRANCIS PETOSKEYS ADD
Legal Block	3
Legal Lot Number	4
Jurisdiction	EMMET MI
Township / Civil Division	PETOSKEY
Census Block Group	1
Census Block	1073
Census Tract	970700

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the East Mitchell Street Historic District listed 1986 · 284 contributing resources · NRIS 86001983

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

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	Individual Name on Record
Mailing Address	109 DIVISION ST, PETOSKEY, MI 49770-2441
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 2, 2022	Warranty Deed, Transfer
Apr 27, 2020	Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 2, 2022
Deed Sale	Aug 2, 2022
Prior Sale	May 1, 1989 · Amount on Record
Deed Document Number	20225199003
Deed Book / Page	1246 / 34
Last Transfer Date	Jun 8, 2023
Transfer Doc	0005205699
Record Updated	Oct 29, 2026

August 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EMMET MI
Recording Date	Aug 2, 2022
Property Address	109 DIVISION ST, PETOSKEY, MI 49770-2441
Document Number	0001246/34
Book / Page	1246 / 34
Instrument Date	Jul 15, 2022
Instrument	5199003
Transaction Type	Transfer
Record Updated	Aug 19, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	109 DIVISION ST, PETOSKEY, MI 49770-2441

April 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	EMMET MI
Recording Date	Apr 27, 2020
Property Address	109 DIVISION ST, PETOSKEY, MI 49770-2441
Document Number	1221/108
Book / Page	1221 / 108
Instrument Date	Apr 20, 2020
Instrument	5174051
Transaction Type	Transfer
Record Updated	Jun 22, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	109 DIVISION ST, PETOSKEY, MI 49770-2441

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Michigan
County	Emmet County
Municipality	Petoskey City
Unified School District	Public Schools of Petoskey (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$270,200 (+28.12%) Land $270,200	$540,400 (+28.12%) Land $540,400
2025		$210,900 (+21.84%) Land $210,900	$421,800 (+21.84%) Land $421,800
2024	$6,269.00
2023		$173,100 Land $173,100	$346,200 Land $346,200

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	4 in force

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

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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 172 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

May also be available: AT&T.

Nearby Properties on Division St

Nearby Streets

All Petoskey, MI Property Records

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures