Emmet County property record for 1104 Emmet St, Petoskey, MI 49770
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,518 sqft · built 1900 |
| Lot Size | 0.148 acres (6,463 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $92,700 (Aug 2018) |
| Tax Bill | $2,172 (2024) |
| Deeds & Mortgages | Oct 2025 Mortgage Jun 2023 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 52-19-06-400-072 |
| Primary APN | 52-19-06-400-072 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Building Area | 1,518 sqft Living Area |
| 1st Floor Area | 1,284 sqft |
| Basement Area | 1,284 sqft |
| Unfinished Basement | 1,284 sqft |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Lot Area | 6,463 sqft (0.148 acres) |
| Heating System | Forced Air with A/C |
|---|
| Street Address | 1104 EMMET ST |
|---|---|
| City | PETOSKEY |
| State | MI |
| Zip | 49770-2965 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | COP RM-2 |
| Legal Description | PT OF SE ? OF SE ? OF SECTION 6, COM AT PT ON W LN OF EMMET ST WHICH IS 446 FT E & 66 FT S OF NW COR OF SE 1/4 OF SE ? OF SD SEC, TH W 140.5 FT, TH S 49.5 FT, TH E 140.5 FT TO W LN OF EMMET ST, TH N 49.5 FT TO POB. EXC THEREFROM W?LY 6 FT THEREOF. SE |
| Legal Range | 05W |
| Legal Township | 34N |
| Legal Section | 06 |
| Jurisdiction | EMMET MI |
| Township / Civil Division | PETOSKEY |
| Census Block Group | 3 |
| Census Block | 3030 |
| Census Tract | 970800 |
Source: Emmet County records, as of October 20, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 1104 EMMET ST, PETOSKEY, MI 49770-2965 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Individual(s) |
| Date | Document |
|---|---|
| Oct 30, 2025 | Deed of Trust, Mortgage · Conventional Mortgage UNITED MORTGAGE LENDING |
| Jun 22, 2023 | Deed of Trust, Mortgage · Conventional Mortgage 4FRONT CREDIT UNION |
| Oct 30, 2025 | Quit Claim Deed, Transfer · Conventional Mortgage UNITED MORTGAGE LENDING |
| Aug 10, 2018 | Warranty Deed, Transfer PACIFIC UNION FINANCIAL LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 10, 2018 · Amount on Record |
| Deed Sale | Aug 10, 2018 · Amount on Record |
| Prior Sale | Jan 2, 1998 |
| Deed Document Number | 20185158506 |
| Deed Book / Page | 1205 / 710 |
| Last Transfer Date | Oct 21, 2025 |
| Transfer Doc | 001270/970 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | EMMET MI |
| Property Address | 1104 EMMET ST, PETOSKEY, MI 49770-2965 |
| Transaction Type | Mortgage |
| Record Updated | Nov 17, 2025 |
| Name | Verified Name |
|---|---|
| Address | 1104 EMMET ST, PETOSKEY, MI 49770-2965 |
| Document Number | 0005224008 |
|---|---|
| Date | Oct 30, 2025 |
| Instrument | 5224008 |
| Name | UNITED MORTGAGE LENDING |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 351 Months |
| Due | Jan 1, 2055 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | EMMET MI |
| Property Address | 1104 EMMET ST, PETOSKEY, MI 49770-2965 |
| Transaction Type | Mortgage |
| Record Updated | Nov 10, 2025 |
| Name | Verified Name |
|---|---|
| Address | 1104 EMMET ST, PETOSKEY, MI 49770-2965 |
| Document Number | 0000001252/0000000943 |
|---|---|
| Date | Jun 22, 2023 |
| Book Page | 0000001252/0000000943 |
| Instrument | 5205935 |
| Name | 4FRONT CREDIT UNION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 264 Months |
| Due | Jan 1, 2045 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | EMMET MI |
| Recording Date | Oct 30, 2025 |
| Property Address | 1104 EMMET ST, PETOSKEY, MI 49770-2965 |
| Document Number | 001270/970 |
| Book / Page | 1270 / 970 |
| Instrument Date | Oct 21, 2025 |
| Instrument | 5224007 |
| Transaction Type | Transfer |
| Record Updated | Nov 10, 2025 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1104 EMMET ST, PETOSKEY, MI 49770-2965 |
| Document Number | 0005224008 |
|---|---|
| Date | Oct 30, 2025 |
| Instrument | 5224008 |
| Name | UNITED MORTGAGE LENDING |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 351 Months |
| Due | Jan 1, 2055 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | EMMET MI |
| Recording Date | Aug 10, 2018 |
| Property Address | 1104 EMMET ST, PETOSKEY, MI 49770-2965 |
| Document Number | 1205/710 |
| Book / Page | 1205 / 710 |
| Instrument Date | Aug 8, 2018 |
| Instrument | 000005158506 |
| Transaction Type | Transfer |
| Record Updated | Jun 22, 2021 |
| Amount | Amount Recorded |
|---|---|
| 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 | 507 ALCAN DR, PETOSKEY, MI 49770-9609 |
| Document Number | 0000001205/0000000711 |
|---|---|
| Date | Aug 10, 2018 |
| Book Page | 0000001205/0000000711 |
| Instrument | 000005158606 |
| Name | PACIFIC UNION FINANCIAL LLC |
|---|---|
| Type | Lending Institution |
| Amount | Amount Recorded |
|---|---|
| Term | 353 Months |
| Due | Jan 1, 2048 |
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 | $115,300 (+5.88%) Land $115,300 | $230,600 (+5.88%) Land $230,600 | |
| 2025 | $108,900 (+44.24%) Land $108,900 | $217,800 (+44.24%) Land $217,800 | |
| 2024 | $2,172.00 | ||
| 2023 | $75,500 Land $75,500 | $151,000 Land $151,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 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.
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 226 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 |
| Starlink Satellite | 280 / 30 |
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