1191 Cedar Ln, Petoskey, MI 49770 Property Records

Emmet County property record for 1191 Cedar Ln, Petoskey, MI 49770

Property Summary

Property Type	Condominium
Details	3 bd · 3 ba · 2,918 sqft · built 1999
Lot Size	0.108 acres (4,723 sqft)
Owner	Individual Name on File
Tax Bill	$12,872 (2024)
Deeds & Mortgages	Feb 2022 Mortgage Jul 2022 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`52-18-08-120-141`

Property Details

APN / Parcel Number

Primary APN	`52-18-08-120-141`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Building Area	2,918 sqft Living Area
1st Floor Area	2,876 sqft
Basement Area	2,876 sqft
Unfinished Basement	2,876 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Architectural Style	Condo/Apartment
Lot Area	4,723 sqft
Garage Area	528 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	1191 CEDAR LN
City	PETOSKEY
State	MI
Zip	49770-8029
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	RT PUD-2
Legal Description	THE WOODS AT BAY HARBOR CONDOMINIUM, PLAN NO. 155, UNIT 41. SECTION 8, T34N, R6W
Legal Range	06W
Legal Township	34N
Legal Section	08
Legal Subdivision	THE WOODS AT BAY HARBOR
Legal Unit	41
Jurisdiction	EMMET MI
Township / Civil Division	PETOSKEY
Census Block Group	1
Census Block	1025
Census Tract	970800

Owner

1191 Cedar Ln, a condominium, is owned and occupied by an individual who acquired it in June 2022.

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

Owner of Record	Individual Name on File
Mailing Address	1191 CEDAR LN, PETOSKEY, MI 49770-8029
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
Feb 28, 2022	Deed of Trust, Mortgage · Conventional Mortgage CITIZENS NATIONAL BANK OF CHEBOYGAN
Jul 7, 2022	Deed of Trust, Mortgage · Conventional Mortgage ARBOR FINANCIAL CREDIT UNION
Jun 2, 2022	Warranty Deed, Transfer
Oct 21, 2020	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 2, 2022
Deed Sale	Jun 2, 2022
Prior Sale	Feb 28, 2012 · Amount on File
Deed Document Number	20225197400
Deed Book / Page	1244 / 429
Prior Transfer Date	Apr 24, 2001
Record Updated	Oct 29, 2026

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EMMET MI
Property Address	1191 CEDAR LN, PETOSKEY, MI 49770-8029
Transaction Type	Mortgage
Record Updated	Jul 11, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6008 TRILLIUM TRL, HARBOR SPRINGS, MI 49740-8861

Mortgage

Document Number	0000001241/0000000900
Date	Feb 28, 2022
Book Page	0000001241/0000000900
Instrument	5194874

Lender

Name	CITIZENS NATIONAL BANK OF CHEBOYGAN

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Jan 1, 2042

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EMMET MI
Property Address	1191 CEDAR LN, PETOSKEY, MI 49770-8029
Transaction Type	Mortgage
Record Updated	Jul 11, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1191 CEDAR LN, BAY HARBOR, MI 49770-8029

Mortgage

Document Number	0000001245/0000000344
Date	Jul 7, 2022
Book Page	0000001245/0000000344
Instrument	5198314

Lender

Name	ARBOR FINANCIAL CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	300 Months
Due	Jan 1, 2047

June 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EMMET MI
Recording Date	Jun 2, 2022
Property Address	1191 CEDAR LN, PETOSKEY, MI 49770-8029
Document Number	001244/429
Book / Page	1244 / 429
Instrument Date	Jun 2, 2022
Instrument	5197400
Transaction Type	Transfer
Record Updated	Jul 11, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1191 CEDAR LN, BAY HARBOR, MI 49770-8029

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EMMET MI
Recording Date	Oct 21, 2020
Property Address	1191 CEDAR LN, PETOSKEY, MI 49770-8029
Document Number	001226/336
Book / Page	1226 / 336
Instrument Date	Sep 30, 2020
Instrument	5179285
Transaction Type	Transfer
Record Updated	Jul 11, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6008 TRILLIUM TRL, HARBOR SPRINGS, MI 49740-8861

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		$812,300 Land $812,300	$1,624,600 Land $1,624,600
2024	$12,872.00
2023		$355,400 Land $355,400	$710,800 Land $710,800

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

Flood

FEMA maps place 1191 Cedar Ln in Zone X, an area of minimal flood risk.

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
Flood Insurance Cost	Premium on File median of 13 policies
Nearby Flood Policies	13 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

Wildfire risk around 1191 Cedar Ln 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 94% of the US · lower than 85% 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 31 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, Spectrum, Verizon.

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