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120 E Lake St, Petoskey, MI 49770 Property Records

Emmet County property record for 120 E Lake St, Petoskey, MI 49770

Property Summary

Property TypeCommercial
Details2,607 sqft · built 1890
Lot Size0.2 acres (8,712 sqft)
OwnerCompany Name on Record
Last Sale$400,000 (Apr 2021)
Tax Bill$11,200 (2024)
Deeds & MortgagesJun 2021 Transfer
Apr 2021 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN52-19-06-200-021

Property Details

APN / Parcel Number

Primary APN52-19-06-200-021

Interior

Stories4 Stories
Building Area2,607 sqft Total Area
1st Floor Area1,443 sqft
Basement Area1,443 sqft

Exterior

Year BuiltBuilt 1890
Effective Year BuiltEffective 1890
Architectural StyleOther
Fire ResistanceFireproof Steel Frame
Lot Area8,712 sqft (0.2 acres)
Lot Dimensions70 ft deep x 125 ft wide

Utilities, Heating & Cooling

Heating SystemForced Air with A/C

Location & Zoning

Street Address120 E LAKE ST
CityPETOSKEY
StateMI
Zip49770-2440
Property CategoryCommercial
Property TypeCommercial > Retail
Local Zoning CodeCOP O-S
Legal DescriptionCOM AT INTERSEC OF S LN OF LAKE ST & NW'LY LN OF BAY ST, TH W 125', S TO NW' LY LN OF BAY ST, NE'LY ALG SAME TO BEG. SECTION 6, T34N, R5W.
Legal Range05W
Legal Township34N
Legal Section06
JurisdictionEMMET MI
Township / Civil DivisionPETOSKEY
Census Block Group1
Census Block1061
Census Tract970700

Owner

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 RecordCompany Name on Record
Mailing Address504 COUNTRY PLACE RD, MOUNT PLEASANT, SC 29464-8258
Owner TypeCompany
VestingCompany

Deeds, Mortgages & Sale History

DateDocument
Jun 30, 2021Quit Claim Deed, Transfer
Quitclaim
Apr 30, 2021Warranty Deed, Transfer · Commercial Mortgage
FIRST COMMUNITY BANK

Assessor's Deed Record

Deed NamesName on Deed
Last SaleApr 30, 2021 · Amount on Record
Deed SaleApr 30, 2021 · Amount on Record
Prior SaleSep 6, 2000
Deed Document Number20215185614
Deed Book / Page1232 / 649
Last Transfer DateJun 25, 2021
Transfer Doc1234/679
Record UpdatedOct 29, 2026

June 2021: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionEMMET MI
Recording DateJun 30, 2021
Property Address120 E LAKE ST, PETOSKEY, MI 49770-2440
Document Number1234/679
Book / Page1234 / 679
Instrument DateJun 25, 2021
Instrument5187643
Transaction TypeTransfer
Record UpdatedJul 27, 2021

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Quitclaim
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address604 BAY ST, PETOSKEY, MI 49770-2505

April 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionEMMET MI
Recording DateApr 30, 2021
Property Address120 E LAKE ST, PETOSKEY, MI 49770-2440
Document Number001232/649
Book / Page1232 / 649
Instrument DateApr 21, 2021
Instrument5185614
Transaction TypeTransfer
Record UpdatedJun 13, 2023

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$0.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address604 BAY ST, PETOSKEY, MI 49770-2505

Mortgage

Document Number0000001232/0000000650
DateApr 30, 2021
Book Page0000001232/0000000650
Instrument5185615
Lender
NameFIRST COMMUNITY BANK
Agreement
TypeCommercial Mortgage
AmountAmount Recorded

Tax Assessment & Valuation

Source: Emmet County assessment roll, as of July 21, 2026

Property Jurisdictions

TypeName
StateMichigan
CountyEmmet County
MunicipalityPetoskey City
Unified School DistrictPublic Schools of Petoskey (KG - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$357,300 (+46.25%) Land $62,500 Building $294,800$714,600 (+46.25%) Land $125,000 Building $589,600
2025$244,300 (+20.64%) Land $39,400 Building $204,900$488,600 (+20.64%) Land $78,800 Building $409,800
2024$11,200.00
2023$202,500 Land $28,100 Building $174,400$405,000 Land $56,200 Building $348,800

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

Flood

Source: FEMA National Flood Hazard Layer, effective May 31, 2022 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone AE, within 500 ft
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Policies4 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 RiskLow
lower than 97% of the US · lower than 93% of Michigan
Wildfire LikelihoodUnder 0.01% annual chance
ExposureNone
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 SystemCITY OF PETOSKEY
serves 8,979 people · EPA ID MI0005300
Water SourceGroundwater
Last State InspectionAug 2023
Lead2 ppb (2022–2024)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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

ProviderMax 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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