121 Division St, Petoskey, MI 49770 Property Records

Emmet County property record for 121 Division St, Petoskey, MI 49770 · Last verified August 2026

Property Summary

Property Type	Single Family Home
Lot Size	0.115 acres (5,035 sqft)
Owner	Individual Name on File
Last Sale	$396,500 (Mar 2022)
Tax Bill	$5,252 (2024)
Deeds & Mortgages	Mar 2022 Mortgage Jan 2019 Refinance + 7 more
Flood Zone	Zone X (minimal risk)
APN	`52-19-05-102-015`

Property Details

APN / Parcel Number

Primary APN	`52-19-05-102-015`

Exterior

Lot Area	5,035 sqft (0.115 acres)

Location & Zoning

Street Address	121 DIVISION ST
City	PETOSKEY
State	MI
Zip	49770-2441
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	FRANCIS PETOSKEY'S ADDITION LOT 1 BLK 3. LESS E 31 FT THEREOF. SECTION 5, T34N, R5W
Legal Range	05W
Legal Township	34N
Legal Section	05
Legal Subdivision	FRANCIS PETOSKEYS ADDITION
Legal Block	3
Legal Lot Number	1
Jurisdiction	EMMET MI
Township / Civil Division	PETOSKEY
Census Block Group	1
Census Block	1073
Census Tract	970700

Owner

Source: Emmet County records · APN 52-19-05-102-015

Assessment roll updated July 21, 2026 · Last verified August 2026

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

Owner of Record	Individual Name on File
Mailing Address	121 DIVISION ST, PETOSKEY, MI 49770-2441
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 14, 2022	Deed of Trust, Mortgage · Conventional Mortgage MERCANTILE BANK
Jan 16, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance QUICKEN LOANS INC
Mar 14, 2022	Warranty Deed, Transfer · Conventional Mortgage MERCANTILE BANK
Jan 16, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance QUICKEN LOANS INC
Sep 03, 2020	Deed, Transfer · Conventional Mortgage TCF NATIONAL BANK
Aug 30, 2017	Warranty Deed, Transfer · ARM QUICKEN LOANS INC
Aug 30, 2017	Intrafamily Transfer, Transfer
Feb 24, 2017	Intrafamily Transfer, Transfer ATTORNEY'S TITLE, ATTORNEYS TITLE
Feb 24, 2017	Intrafamily Transfer, Transfer ATTORNEY'S TITLE, ATTORNEYS TITLE

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Mar 14, 2022 · Amount on Record
Deed Sale	Mar 14, 2022 · Amount on Record
Prior Sale	Sep 03, 2020 · Amount on Record
Deed Document Number	20225195197
Deed Book / Page	1242 / 224
Prior Transfer Date	Aug 21, 2017
Prior Transfer Doc	1197/0403
Record Updated	Sep 20, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EMMET MI
Property Address	121 DIVISION ST, PETOSKEY, MI 49770-2441
Transaction Type	Mortgage
Record Updated	Jun 09, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	121 DIVISION ST, PETOSKEY, MI 49770-2441

Mortgage

Document Number	0005195198
Date	Mar 14, 2022
Instrument	5195198

Lender

Name	MERCANTILE BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	358 Months
Due	Jan 01, 2052

Interest

Rate	3.25%

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EMMET MI
Property Address	121 DIVISION ST, PETOSKEY, MI 49770-2441
Transaction Type	Mortgage
Record Updated	Jun 09, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001209/373
Date	Jan 16, 2019
Book Page	1209/373
Instrument	5162289

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Feb 01, 2049

March 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EMMET MI
Recording Date	Mar 14, 2022
Property Address	121 DIVISION ST, PETOSKEY, MI 49770-2441
Document Number	001242/224
Book / Page	1242 / 224
Instrument Date	Mar 11, 2022
Instrument	5195197
Transaction Type	Transfer
Record Updated	Jun 09, 2026

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV 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	121 DIVISION ST, PETOSKEY, MI 49770-2441

Mortgage

Document Number	0005195198
Date	Mar 14, 2022
Instrument	5195198

Lender

Name	MERCANTILE BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	358 Months
Due	Jan 01, 2052

Interest

Rate	3.25%

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EMMET MI
Property Address	121 DIVISION ST, PETOSKEY, MI 49770-2441
Transaction Type	Mortgage
Record Updated	Feb 05, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1209/373
Date	Jan 16, 2019
Book Page	1209/373
Instrument	5162289

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Feb 01, 2049

September 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	EMMET MI
Recording Date	Sep 03, 2020
Property Address	121 DIVISION ST, PETOSKEY, MI 49770-2441
Document Number	1224/673
Book / Page	1224 / 673
Instrument Date	Aug 28, 2020
Instrument	5177619
Transaction Type	Transfer
Record Updated	Jun 22, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV 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	121 DIVISION ST, PETOSKEY, MI 49770-2441

Mortgage

Document Number	0000001224/0000000674
Date	Sep 03, 2020
Book Page	0000001224/0000000674
Instrument	5177620

Lender

Name	TCF NATIONAL BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jan 01, 2035

August 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EMMET MI
Recording Date	Aug 30, 2017
Property Address	121 DIVISION ST, PETOSKEY, MI 49770-2441
Document Number	1197/0404
Book / Page	1197 / 0404
Instrument Date	Aug 22, 2017
Instrument	5150279
Transaction Type	Transfer
Record Updated	Jun 22, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$355.40
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	715 W TUSCOLA ST, 715, FRANKENMUTH, MI 48734-1435

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	320 GROVE ST, PETOSKEY, MI 49770-2722

Mortgage

Document Number	01197/0405
Date	Aug 30, 2017
Book Page	1197/0405
Instrument	5150280

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution
Address	DETROIT, MI 48226

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Sep 01, 2047

Interest

Rate Type	Adjustable Rate
Rate	3.87%
Adjustable	Adjustable Rate Rider
Type Change Date	Sep 01, 2024
Min Rate At Change	2.25%
Max Rate At Change	8.87%
Max Rate	8.87%

August 2017: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	EMMET MI
Recording Date	Aug 30, 2017
Property Address	121 DIVISION ST, PETOSKEY, MI 49770-2441
Document Number	1197/0403
Book / Page	1197 / 0403
Instrument Date	Aug 21, 2017
Instrument	5150278
Transaction Type	Transfer
Record Updated	Jun 22, 2021

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	121 DIVISION ST, 121, PETOSKEY, MI 49770-2441

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	715 W TUSCOLA ST, FRANKENMUTH, MI 48734-1435

February 2017: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	EMMET MI
Recording Date	Feb 24, 2017
Property Address	121 DIVISION ST, PETOSKEY, MI 49770-2441
Document Number	1192/0499
Book / Page	1192 / 0499
Instrument Date	Feb 21, 2017
Instrument	5145377
Transaction Type	Transfer
Record Updated	Jun 22, 2021
Title Company	ATTORNEY'S TITLE, ATTORNEYS TITLE

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	715 W TUSCOLA ST, 715, FRANKENMUTH, MI 48734-1435

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	121 DIVISION ST, PETOSKEY, MI 49770-2441

February 2017: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	EMMET MI
Recording Date	Feb 24, 2017
Property Address	121 DIVISION ST, PETOSKEY, MI 49770-2441
Document Number	1192/0485
Book / Page	1192 / 0485
Instrument Date	Feb 21, 2017
Instrument	5145363
Transaction Type	Transfer
Record Updated	Jun 22, 2021
Title Company	ATTORNEY'S TITLE, ATTORNEYS TITLE

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	715 W TUSCOLA ST, 715, FRANKENMUTH, MI 48734-1435

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	613 EMITCHELL ST, PETOSKEY, MI 49770

Tax Assessment & Valuation

Source: Emmet County records · Assessment roll updated July 21, 2026 · Last verified August 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

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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$226,600 (+28.24%) Land $226,600	$453,200 (+28.24%) Land $453,200
2025		$176,700 (+21.86%) Land $176,700	$353,400 (+21.86%) Land $353,400
2024	$5,252.00
2023		$145,000 Land $145,000	$290,000 Land $290,000

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Emmet County (26047C), updated May 31, 2022 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 260479707001, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearby Flood Policies	4 in force

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

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.

Historic Designation

Source: NPS National Register of Historic Places · August 1, 2026 release · Last verified October 2026

Historic District	Within the East Mitchell Street Historic District listed 1986 · 284 contributing resources · NRIS 86001983

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 172 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Spectrum	Cable	1,000 / 1,000
Verizon	Fixed Wireless	300 / 20
Starlink	Satellite (low-earth orbit)	280 / 30

May also be available at this address: AT&T, Spectrum. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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