Charlevoix County property record for 109 Elm St, Charlevoix, MI 49720
| Property Type | Commercial |
|---|---|
| Details | 2,100 sqft |
| Lot Size | 2.9 acres (126,324 sqft) |
| Owner | Company Name on File |
| Flood Zone | Zone X (minimal risk) |
| APN | 052-165-001-00 |
| Primary APN | 052-165-001-00 |
|---|
| Building Area | 2,100 sqft Total Area |
|---|---|
| 1st Floor Area | 2,100 sqft |
| Architectural Style | Ranch |
|---|---|
| Lot Area | 126,324 sqft (2.9 acres) |
| Garage Area | 720 sqft |
| Parking Spaces | 3 Parking Spaces |
| Total Buildings | 2 Buildings |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 109 ELM ST |
|---|---|
| City | CHARLEVOIX |
| State | MI |
| Zip | 49720-1105 |
| Property Category | Commercial |
| Property Type | Commercial > Retail |
| Local Zoning Code | R1 |
| Legal Description | LOTS 1-2-3-4-5-6-7-8-9-10-11-21-22-23-24-25- 26-27 BLK 5 LINDSAY PARK ADDITION AND ALSO THAT PART OF ELM ST VACATED IN L336 P |
| Legal Range | 08 |
| Legal Township | 34 |
| Legal Section | 23 |
| Legal Subdivision | LINDSAY PARK ADDITION |
| Legal Block | 5 |
| Legal Lot Number | 1-4,1 |
| Jurisdiction | CHARLEVOIX MI |
| Township / Civil Division | CHARLEVOIX |
| Census Block Group | 3 |
| Census Block | 3027 |
| Census Tract | 1500 |
109 Elm St, a commercial property, is owned by a company.
Source: Charlevoix County records, as of June 18, 2026
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 102 OAK ST, CHARLEVOIX, MI 49720-1160 |
| Owner Type | Company |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
Source: Charlevoix County assessment roll, as of June 18, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Charlevoix County |
| Municipality | Charlevoix City |
| Unified School District | Charlevoix Public Schools (KG - 12) |
FEMA maps place 109 Elm St in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective September 15, 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 | 1 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 risk around 109 Elm 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 | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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 | CHARLEVOIX serves 3,124 people · EPA ID MI0001330 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | May 2022 |
| 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. The service area is an EPA estimate; the actual supplier may differ.
Source: FCC Broadband Data Collection, based on 324 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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