109 W Mitchell St, Petoskey, MI 49770 Property Records

Emmet County property record for 109 W Mitchell St, Petoskey, MI 49770

Property Summary

Property Type	Commercial
Details	11,136 sqft · built 1950
Lot Size	0.762 acres (33,192 sqft)
Owner	Company Name on File
Tax Bill	$30,858 (2024)
Deeds & Mortgages	Apr 2022 Mortgage Feb 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`52-19-06-202-072`

Property Details

APN / Parcel Number

Primary APN	`52-19-06-202-072`

Interior

Building Area	11,136 sqft Building Perimeter

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1950
Fire Resistance	Fireproof Steel Frame
Lot Area	33,192 sqft (0.762 acres)

Location & Zoning

Street Address	109 W MITCHELL ST
City	PETOSKEY
State	MI
Zip	49770-2323
Property Category	Commercial
Property Type	Commercial > Retail
Local Zoning Code	COP B-3
Legal Description	THE VILLAGE OF WACHTEL QUINLAN & MC CARTY'S ADD. LOTS 65, 66, 67, 68 & 69 ALSO COM AT NE COR OF LOT 64, TH W 34' M OR L TO A PT 28' S OF SW COR OF LOT 69, TH N 28' TO SW COR OF LOT 69, TH E 42.8' TO SE COR OF LOT 69, TH SW'LY 32.6' M OR L TO POB. SEC
Legal Range	05W
Legal Township	34N
Legal Section	06
Legal Subdivision	VILLAGE OF WACHTEL QUINLAN & M
Legal Lot Number	64-69
Jurisdiction	EMMET MI
Township / Civil Division	PETOSKEY
Census Block Group	3
Census Block	3003
Census Tract	970800

Owner

109 W Mitchell St, a commercial property, is owned by a company that acquired it in May 2006.

Source: Emmet County records, as of October 20, 2026

Owner of Record	Company Name on File
Mailing Address	314 HOWARD ST, 201, PETOSKEY, MI 49770-2414
Owner Type	Company
Vesting	Company

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Apr 20, 2022	Deed of Trust, Mortgage · Conventional Mortgage CITIZENS NATIONAL BANK OF CHEBOYGAN
Feb 16, 2017	Deed of Trust, Mortgage · Commercial Mortgage CHEMICAL BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 8, 2006
Deed Sale	May 8, 2006
Prior Sale	May 8, 2006 · Amount on File
Deed Book / Page	1079 / 907
Record Updated	Oct 29, 2026

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EMMET MI
Property Address	109 W MITCHELL ST, PETOSKEY, MI 49770-2323
Transaction Type	Mortgage
Record Updated	May 16, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	109 W MITCHELL ST, PETOSKEY, MI 49770-2323

Mortgage

Document Number	0000001243/0000000327
Date	Apr 20, 2022
Book Page	0000001243/0000000327
Instrument	5196299

Lender

Name	CITIZENS NATIONAL BANK OF CHEBOYGAN

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EMMET MI
Property Address	109 W MITCHELL ST, PETOSKEY, MI 49770-2323
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1192/0234
Date	Feb 16, 2017
Book Page	1192/0234
Instrument	5145112

Lender

Name	CHEMICAL BANK
Type	Bank
Address	MIDLAND, MI 48640

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

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		$1,166,100 Land $1,166,100	$2,332,200 Land $2,332,200
2024	$30,858.00
2023		$813,800 Land $813,800	$1,627,600 Land $1,627,600

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

Flood

FEMA maps place 109 W Mitchell St 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

Wildfire risk around 109 W Mitchell St is low, with less than 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 97% of the US · lower than 93% of Michigan
Wildfire Likelihood	Under 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 508 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.

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