1096 Tracy Ln, Petoskey, MI 49770 Property Records

Emmet County property record for 1096 Tracy Ln, Petoskey, MI 49770

Property Summary

Property Type	Condominium
Lot Size	1.38 acres (60,391 sqft)
Owner	2 Individual Names on File
Last Sale	$23,000 (Oct 2016)
Tax Bill	$2,979 (2024)
Deeds & Mortgages	Mar 2021 Mortgage Oct 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`13-18-23-301-114`

Property Details

APN / Parcel Number

Primary APN	`13-18-23-301-114`

Exterior

Architectural Style	Condo/Apartment
Lot Area	60,391 sqft

Location & Zoning

Street Address	1096 TRACY LN
City	PETOSKEY
State	MI
Zip	49770-8539
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	RT FF
Legal Description	KALCHIK ESTATES CONDO, UNIT 14. PLAN #94. SECTION 23, T34N, R6W
Legal Range	06W
Legal Township	34N
Legal Section	23
Legal Subdivision	KALCHIK ESTATES
Legal Unit	14
Jurisdiction	EMMET MI
Township / Civil Division	RESORT
Census Block Group	4
Census Block	4019
Census Tract	970600

Owner

1096 Tracy Ln, a condominium, is owned and occupied by two individuals who acquired it in February 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	1096 TRACY LN, PETOSKEY, MI 49770-8539
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.

Deeds, Mortgages & Sale History

Date	Document
Mar 4, 2021	Quit Claim Deed, Transfer · Conventional Mortgage AMERISAVE MORTGAGE
Oct 17, 2017	Deed of Trust, Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 27, 2016 · Amount on File
Deed Sale	Oct 27, 2016 · Amount on File
Prior Sale	Aug 31, 2005 · Amount on File
Deed Document Number	20165142432
Deed Book / Page	1189 / 562
Last Transfer Date	Feb 20, 2021
Transfer Doc	1230/602
Record Updated	Oct 29, 2026

March 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	EMMET MI
Recording Date	Mar 4, 2021
Property Address	1096 TRACY LN, PETOSKEY, MI 49770-8539
Document Number	1230/602
Book / Page	1230 / 602
Instrument Date	Feb 20, 2021
Instrument	5183569
Transaction Type	Transfer
Record Updated	Jun 22, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1096 TRACY LN, PETOSKEY, MI 49770-8539

Mortgage

Document Number	5183570
Date	Mar 4, 2021
Instrument	5183570

Lender

Name	AMERISAVE MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	358 Months
Due	Jan 1, 2051

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EMMET MI
Property Address	1096 TRACY LN, PETOSKEY, MI 49770-8539
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1198/0585
Date	Oct 17, 2017
Book Page	1198/0585
Instrument	5151461

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	TROY, MI 48083

Agreement

Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2047

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$217,800 (+3.76%) Land $217,800	$435,600 (+3.76%) Land $435,600
2025		$209,900 Land $209,900	$419,800 Land $419,800
2024	$2,979.00
2023		$196,200 Land $196,200	$392,400 Land $392,400

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

Flood

FEMA maps place 1096 Tracy Ln in Zone X, an area of minimal flood risk.

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

Wildfire risk around 1096 Tracy Ln 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 48 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

Cell Coverage

5G (outdoors only) and 4G LTE

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