114 E Lake St, Petoskey, MI 49770 Property Records

Emmet County property record for 114 E Lake St, Petoskey, MI 49770

Property Summary

Property Type	Single Family Home
Lot Size	0.045 acres (1,961 sqft)
Owner	2 Individual Names on Record
Last Sale	$575,000 (Sep 2017)
Tax Bill	$7,165 (2022)
Deeds & Mortgages	Oct 2025 Sale May 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`52-19-06-200-020`

Property Details

APN / Parcel Number

Primary APN	`52-19-06-200-020`

Exterior

Lot Area	1,961 sqft (0.045 acres)

Location & Zoning

Street Address	114 E LAKE ST
City	PETOSKEY
State	MI
Zip	49770-2440
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	COP O-S
Legal Description	COM ON S LN OF LAKE ST 125'W OF INTERSEC WITH NW'LY LN OF BAY ST, TH W 25', S TO NW'LY LN OF BAY ST, NE'LY ALG SAME TO PT DUE
Legal Range	05W
Legal Township	34N
Legal Section	06
Legal Subdivision	S6 T34N R5W
Jurisdiction	EMMET MI
Township / Civil Division	PETOSKEY
Census Block Group	1
Census Block	1061
Census Tract	970700

Owner

Source: Emmet County records, as of July 21, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	114 E LAKE ST, PETOSKEY, MI 49770-2440
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Oct 23, 2025	Warranty Deed, Transfer
May 19, 2021	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE
Sep 25, 2017	Warranty Deed, Transfer HANTZ BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 25, 2017 · Amount on Record
Deed Sale	Sep 25, 2017 · Amount on Record
Prior Sale	May 28, 2009 · Amount on Record
Deed Document Number	20175150894
Deed Book / Page	1198 / 18
Last Transfer Date	Sep 30, 2025
Transfer Doc	001270/794
Record Updated	Sep 20, 2026

October 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EMMET MI
Recording Date	Oct 23, 2025
Property Address	114 E LAKE ST, PETOSKEY, MI 49770-2440
Document Number	001270/794
Book / Page	1270 / 794
Instrument Date	Sep 30, 2025
Instrument	5223826
Transaction Type	Transfer
Record Updated	Nov 3, 2025

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	114 E LAKE ST, PETOSKEY, MI 49770-2440

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EMMET MI
Property Address	114 E LAKE ST, PETOSKEY, MI 49770-2440
Transaction Type	Mortgage
Record Updated	Jun 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	114 E LAKE ST, PETOSKEY, MI 49770-2440

Mortgage

Document Number	0000001233/0000000244
Date	May 19, 2021
Book Page	0000001233/0000000244
Instrument	5186209

Lender

Name	UNITED WHOLESALE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2051

September 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EMMET MI
Recording Date	Sep 25, 2017
Property Address	114 E LAKE ST, PETOSKEY, MI 49770-2440
Document Number	1198/0018
Book / Page	1198 / 0018
Instrument Date	Sep 12, 2017
Instrument	5150894
Transaction Type	Transfer
Record Updated	Jun 22, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,944.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	114 E LAKE ST, 114, PETOSKEY, MI 49770-2440

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	114 E LAKE ST, PETOSKEY, MI 49770-2440

Mortgage

Document Number	1198/0019
Date	Sep 25, 2017
Book Page	1198/0019
Instrument	5150895

Lender

Name	HANTZ BANK
Type	Bank
Address	SOUTHFIELD, MI 48034

Agreement

Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2047

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		$298,000 (-2.71%) Land $298,000	$596,000 (-2.71%) Land $596,000
2025		$306,300 (+18.17%) Land $306,300	$612,600 (+18.17%) Land $612,600
2023		$259,200 Land $259,200	$518,400 Land $518,400
2022	$7,165.00

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.

Flood

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 Policies	4 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

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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