1255 Roy Rd, Petoskey, MI 49770 Property Records

Emmet County property record for 1255 Roy Rd, Petoskey, MI 49770

Property Summary

Property Type	Single Family Home
Details	3.5 ba · 2,558 sqft · built 2015
Lot Size	41.8 acres (1,822,986 sqft)
Owner	2 Individual Names on Record
Tax Bill	$8,450 (2024)
Deeds & Mortgages	Mar 2026 Mortgage Jul 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`14-20-10-100-008`

Property Details

APN / Parcel Number

Primary APN	`14-20-10-100-008`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Building Area	2,558 sqft Living Area
1st Floor Area	1,705 sqft
Basement Area	1,705 sqft
Unfinished Basement	1,705 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2015
Effective Year Built	Effective 2015
Architectural Style	Custom Design
Lot Area	1,822,986 sqft (41.8 acres)
Garage Area	1,257 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	1255 ROY RD
City	PETOSKEY
State	MI
Zip	49770-7803
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	EC FF-2
Legal Description	N 3/4 OF S 1/2 OF NW ? OF SECTION 10, EXC COM AT SW COR OF SEC 3, ALSO BEING NW COR OF SEC 10, TH ALG W LN OF SEC 10, S00?05?29?W 1363.47 FT FOR POB, TH N89?01?04?E 720 FT, TH S00?05?29?W 908.37 FT, TH S89?07?11?W 719.98 FT TO W LN OF SD SEC, TH ALG
Legal Range	04W
Legal Township	34N
Legal Section	10
Jurisdiction	EMMET MI
Township / Civil Division	SPRINGVALE
Census Block Group	4
Census Block	4008
Census Tract	970500

Owner

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

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

Owner of Record	2 Individual Names on Record
Mailing Address	1255 ROY RD, PETOSKEY, MI 49770-7803
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 9, 2026	Deed of Trust, Mortgage · Conventional Mortgage MERCANTILE BANK
Jul 5, 2022	Deed of Trust, Mortgage · Conventional Mortgage HUNTINGTON NATIONAL BANK
Jan 28, 2021	Deed of Trust, Mortgage · Conventional Mortgage TCF NATIONAL BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EMMET MI
Property Address	1255 ROY RD, PETOSKEY, MI 49770-7803
Transaction Type	Mortgage
Record Updated	Mar 23, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1255 ROY RD, PETOSKEY, MI 49770-7803

Mortgage

Document Number	0000001273/0000000781
Date	Mar 9, 2026
Book Page	0000001273/0000000781
Instrument	5226831

Lender

Name	MERCANTILE BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	300 Months
Due	Jan 1, 2051

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EMMET MI
Property Address	1255 ROY RD, PETOSKEY, MI 49770-7803
Transaction Type	Mortgage
Record Updated	Jul 22, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1255 ROY RD, PETOSKEY, MI 49770-7803

Mortgage

Document Number	0000001245/0000000297
Date	Jul 5, 2022
Book Page	0000001245/0000000297
Instrument	5198267

Lender

Name	HUNTINGTON NATIONAL BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2052

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EMMET MI
Property Address	1255 ROY RD, PETOSKEY, MI 49770-7803
Transaction Type	Mortgage
Record Updated	Mar 1, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1255 ROY RD, PETOSKEY, MI 49770-7803

Mortgage

Document Number	0000001229/0000000519
Date	Jan 28, 2021
Book Page	0000001229/0000000519
Instrument	5182487

Lender

Name	TCF NATIONAL BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jan 1, 2036

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Michigan
County	Emmet County
County Subdivision	Springvale Township
Unified School District	Public Schools of Petoskey (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$580,400 (+54.03%) Land $580,400	$1,160,800 (+54.03%) Land $1,160,800
2024	$8,450.00
2023		$376,800 Land $376,800	$753,600 Land $753,600

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

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	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 16 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Truestream Fiber	1,000 / 1,000
Spectrum Cable	1,000 / 1,000
Starlink Satellite	280 / 30

Cell Coverage

5G and 4G LTE (outdoors only)

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