Emmet County property record for 1102 Howard St, Petoskey, MI 49770
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,104 sqft |
| Lot Size | 0.115 acres (5,016 sqft) |
| Owner | Individual Name on File |
| Last Sale | $248,000 (Oct 2023) |
| Tax Bill | $3,077 (2024) |
| Deeds & Mortgages | Oct 2023 Sale & Mortgage Oct 2020 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 52-19-06-400-068 |
| Primary APN | 52-19-06-400-068 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Building Area | 1,104 sqft Living Area |
| 1st Floor Area | 950 sqft |
| Basement Area | 950 sqft |
| Unfinished Basement | 950 sqft |
| Lot Area | 5,016 sqft (0.115 acres) |
|---|
| Heating System | Forced Air with A/C |
|---|
| Street Address | 1102 HOWARD ST |
|---|---|
| City | PETOSKEY |
| State | MI |
| Zip | 49770-3026 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | COP R-3 |
| Legal Description | COM AT NE COR OF SE 1/4 OF SE 1/4, TH W 156', S 55.6', E 156', N TO BEG. SECTION 6, T34N, R5W |
| Legal Range | 05W |
| Legal Township | 34N |
| Legal Section | 06 |
| Jurisdiction | EMMET MI |
| Township / Civil Division | PETOSKEY |
| Census Block Group | 2 |
| Census Block | 2022 |
| Census Tract | 970800 |
1102 Howard St is owned and occupied by an individual who bought it in October 2023.
Source: Emmet County records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 1102 HOWARD ST, PETOSKEY, MI 49770-3026 |
| 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.
| Date | Document |
|---|---|
| Oct 17, 2023 | Warranty Deed, Transfer · VA Mortgage NAVY FEDERAL CREDIT UNION |
| Oct 15, 2020 | Warranty Deed, Transfer · Conventional Mortgage CALIBER HOME LOANS |
| Dec 9, 2019 | Deed, Transfer · Conventional Mortgage UNIVERSITY LENDING GROUP |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 17, 2023 · Amount on File |
| Deed Sale | Oct 17, 2023 · Amount on File |
| Prior Sale | Oct 15, 2020 · Amount on File |
| Deed Document Number | 20235208489 |
| Deed Book / Page | 1255 / 499 |
| Prior Transfer Date | Nov 26, 2014 |
| Prior Transfer Doc | 1172/269 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | EMMET MI |
| Recording Date | Oct 17, 2023 |
| Property Address | 1102 HOWARD ST, PETOSKEY, MI 49770-3026 |
| Document Number | 001255/499 |
| Book / Page | 1255 / 499 |
| Instrument Date | Oct 13, 2023 |
| Instrument | 5208489 |
| Transaction Type | Transfer |
| Record Updated | Oct 27, 2023 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $21.33 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1102 HOWARD ST, PETOSKEY, MI 49770-3026 |
| Document Number | 0005208490 |
|---|---|
| Date | Oct 17, 2023 |
| Instrument | 5208490 |
| Name | NAVY FEDERAL CREDIT UNION |
|---|
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 351 Months |
| Due | Jan 1, 2053 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | EMMET MI |
| Recording Date | Oct 15, 2020 |
| Property Address | 1102 HOWARD ST, PETOSKEY, MI 49770-3026 |
| Document Number | 1226/132 |
| Book / Page | 1226 / 132 |
| Instrument Date | Sep 26, 2020 |
| Instrument | 5179081 |
| Transaction Type | Transfer |
| Record Updated | Jun 22, 2021 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 286 TANGLEWOOD DR, URBANA, OH 43078-2236 |
| Document Number | 5179082 |
|---|---|
| Date | Oct 15, 2020 |
| Instrument | 5179082 |
| Name | CALIBER HOME LOANS |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 351 Months |
| Due | Jan 1, 2050 |
| Document Type | Deed |
|---|---|
| Jurisdiction | EMMET MI |
| Recording Date | Dec 9, 2019 |
| Property Address | 1102 HOWARD ST, PETOSKEY, MI 49770-3026 |
| Document Number | 1217/518 |
| Book / Page | 1217 / 518 |
| Instrument Date | Dec 2, 2019 |
| Instrument | 5170438 |
| Transaction Type | Transfer |
| Record Updated | Jun 22, 2021 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3125 COLORADO ST NE, ALBUQUERQUE, NM 87110-2655 |
| Document Number | 0000001217/0000000519 |
|---|---|
| Date | Dec 9, 2019 |
| Book Page | 0000001217/0000000519 |
| Instrument | 5170439 |
| Name | UNIVERSITY LENDING GROUP |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jan 1, 2050 |
Source: Emmet County assessment roll, as of July 21, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Emmet County |
| Municipality | Petoskey City |
| Unified School District | Public Schools of Petoskey (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $109,300 (+5.2%) Land $109,300 | $218,600 (+5.2%) Land $218,600 | |
| 2025 | $103,900 Land $103,900 | $207,800 Land $207,800 | |
| 2024 | $3,077.00 | ||
| 2023 | $74,400 Land $74,400 | $148,800 Land $148,800 |
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.
FEMA maps place 1102 Howard St 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 risk around 1102 Howard 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 | None beyond ember reach |
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 | 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 |
| 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.
Source: FCC Broadband Data Collection, based on 237 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 |
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