120 State St, Petoskey, MI 49770 Property Records

Emmet County property record for 120 State St, Petoskey, MI 49770

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,862 sqft
Lot Size	0.167 acres (7,308 sqft)
Owner	2 Individual Names on File
Tax Bill	$5,150 (2024)
Deeds & Mortgages	May 2022 Mortgage Oct 2018 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`52-19-06-276-035`

Property Details

APN / Parcel Number

Primary APN	`52-19-06-276-035`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Building Area	1,862 sqft Living Area
1st Floor Area	1,100 sqft
Basement Area	1,070 sqft
Unfinished Basement	1,070 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Lot Area	7,308 sqft (0.167 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	120 STATE ST
City	PETOSKEY
State	MI
Zip	49770-2716
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	COP RM-2
Legal Description	IGNATIUS PETOSKEY'S 2ND ADD. LOT 2 BLK 3. SECTION 6, T34N, R5W
Legal Range	05W
Legal Township	34N
Legal Section	06
Legal Subdivision	IGNATIUS PETOSKEYS SECOND ADDITION
Legal Block	3
Legal Lot Number	2
Jurisdiction	EMMET MI
Township / Civil Division	PETOSKEY
Census Block Group	3
Census Block	3023
Census Tract	970800

Owner

120 State St is owned and occupied by two individuals who acquired it in May 2022.

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

Owner of Record	2 Individual Names on File
Mailing Address	120 STATE ST, PETOSKEY, MI 49770-2716
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
May 3, 2022	Warranty Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE
Oct 23, 2018	Deed of Trust, Mortgage TEAM ONE CREDIT UNION
Oct 23, 2018	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 3, 2022
Deed Sale	May 3, 2022
Prior Sale	Oct 23, 2018 · Amount on File
Deed Document Number	20225196627
Deed Book / Page	1243 / 655
Prior Transfer Date	Mar 20, 1998
Record Updated	Oct 29, 2026

May 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EMMET MI
Recording Date	May 3, 2022
Property Address	120 STATE ST, PETOSKEY, MI 49770-2716
Document Number	001243/655
Book / Page	1243 / 655
Instrument Date	Apr 20, 2022
Instrument	5196627
Transaction Type	Transfer
Record Updated	May 27, 2022

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	120 STATE ST, PETOSKEY, MI 49770-2716

Mortgage

Document Number	0005196628
Date	May 3, 2022
Instrument	5196628

Lender

Name	ROCKET MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	356 Months
Due	Jan 1, 2052

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EMMET MI
Property Address	120 STATE ST, PETOSKEY, MI 49770-2716
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000001207/0000000468
Date	Oct 23, 2018
Book Page	0000001207/0000000468
Instrument	000005160362

Lender

Name	TEAM ONE CREDIT UNION
Type	Credit Union

Agreement

Amount	Amount on Record
Term	351 Months
Due	Jan 1, 2048

October 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EMMET MI
Recording Date	Oct 23, 2018
Property Address	120 STATE ST, PETOSKEY, MI 49770-2716
Document Number	1207/467
Book / Page	1207 / 467
Instrument Date	Oct 19, 2018
Instrument	000005160361
Transaction Type	Transfer
Record Updated	Jun 22, 2021

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6137 BROOKSTONE LN, GRAND BLANC, MI 48439-9433

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		$229,000 Land $229,000	$458,000 Land $458,000
2024	$5,150.00
2023		$142,200 Land $142,200	$284,400 Land $284,400

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

Flood

FEMA maps place 120 State St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2012.

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.

Wildfire

Wildfire risk around 120 State St is low, with 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 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.

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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