Emmet County property record for 12 Belle Ave, Petoskey, MI 49770
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 4,220 sqft |
| Lot Size | 0.19 acres (8,310 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $535,000 (Sep 1997) |
| Tax Bill | $15,205 (2024) |
| Deeds & Mortgages | Jan 2021 Mortgage Dec 2019 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 52-16-32-300-002 |
| Primary APN | 52-16-32-300-002 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Building Area | 4,220 sqft Living Area |
| 1st Floor Area | 2,465 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Lot Area | 8,310 sqft (0.19 acres) |
|---|---|
| Garage Area | 442 sqft |
| Heating System | Forced Air with A/C |
|---|
| Street Address | 12 BELLE AVE |
|---|---|
| City | PETOSKEY |
| State | MI |
| Zip | 49770-2429 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | COP R-1 |
| Legal Description | COM AT S 1/4 COR OF SEC 32, TH W 95.93' & N 2013.66' ON NW'LY R/W OD BELLE AVE FOR POB TH ALG NW'LY R/W LN OF BELLE AVE S79?7'40"W 57.74', TH CONT ALG SD R/W S66?40'26"W 25.98', TH N 37?55'52"W 71.03', TH CONT N37?55'52"W 65' M OR L TO SHR, TH N58?58 |
| Legal Range | 05W |
| Legal Township | 35N |
| Legal Section | 32 |
| Jurisdiction | EMMET MI |
| Township / Civil Division | PETOSKEY |
| Census Block Group | 1 |
| Census Block | 1002 |
| Census Tract | 970700 |
12 Belle Ave is owned and occupied by two individuals who bought it in September 1997.
Source: Emmet County records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 12 BELLE AVE, PETOSKEY, MI 49770-2429 |
| 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 |
|---|---|
| Jan 29, 2021 | Deed of Trust, Mortgage · Conventional Mortgage BLUELEAF LENDING |
| Dec 19, 2019 | Deed of Trust, Mortgage · Conventional Mortgage BLUELEAF LENDING |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 1, 1997 · Amount on File |
| Deed Sale | Sep 1, 1997 · Amount on File |
| Prior Sale | Aug 1, 1990 · Amount on File |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | EMMET MI |
| Property Address | 12 BELLE AVE, PETOSKEY, MI 49770-2429 |
| Transaction Type | Mortgage |
| Record Updated | Mar 1, 2021 |
| Name | Verified Name |
|---|---|
| Address | 12 BELLE AVE, PETOSKEY, MI 49770-2429 |
| Document Number | 0000001229/0000000580 |
|---|---|
| Date | Jan 29, 2021 |
| Book Page | 0000001229/0000000580 |
| Name | BLUELEAF LENDING |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Jan 1, 2036 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | EMMET MI |
| Property Address | 12 BELLE AVE, PETOSKEY, MI 49770-2429 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|---|
| Address | 12 BELLE AVE, PETOSKEY, MI 49770-2429 |
| Document Number | 0000001217/0000000812 |
|---|---|
| Date | Dec 19, 2019 |
| Book Page | 0000001217/0000000812 |
| Instrument | 5170733 |
| Name | BLUELEAF LENDING |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Jan 1, 2035 |
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 | $721,600 Land $721,600 | $1,443,200 Land $1,443,200 | |
| 2024 | $15,205.00 | ||
| 2023 | $558,200 Land $558,200 | $1,116,400 Land $1,116,400 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 12 Belle Ave in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.
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 AE, within 100 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 risk around 12 Belle Ave 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 99.1% of the US · lower than 98.4% 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.
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 157 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 |
| Starlink Satellite | 280 / 30 |
May also be available: Verizon.
5G (outdoors only) and 4G LTE
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