1306 Orchard Ln, Petoskey, MI 49770 Property Records

Emmet County property record for 1306 Orchard Ln, Petoskey, MI 49770

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,360 sqft · built 1992
Lot Size	10 acres (435,600 sqft)
Owner	2 Individual Names on Record
Last Sale	$446,500 (May 2026)
Tax Bill	$2,620 (2022)
Deeds & Mortgages	Sep 2026 Line of Credit Sep 2026 Mortgage + 7 more
Flood Zone	Zone X (minimal risk)
APN	`14-20-12-100-005`

Property Details

APN / Parcel Number

Primary APN	`14-20-12-100-005`

Interior

Full Baths	2 Baths
Building Area	1,360 sqft Living Area
1st Floor Area	1,360 sqft
Basement Area	1,360 sqft
Unfinished Basement	1,360 sqft

Exterior

Year Built	Built 1992
Effective Year Built	Effective 1992
Architectural Style	Ranch
Lot Area	435,600 sqft (10 acres)
Garage Area	1,056 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	1306 ORCHARD LN
City	PETOSKEY
State	MI
Zip	49770-8840
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	EC FF-2
Legal Description	E 10 A. OF SE 1/4 OF NW 1/4. SECTION 12, T34N, R4W
Legal Range	04W
Legal Township	34N
Legal Section	12
Jurisdiction	EMMET MI
Township / Civil Division	SPRINGVALE
Census Block Group	4
Census Block	4000
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	290 LINCOLN PL, PETOSKEY, MI 49770-2577
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Sep 4, 2026	Deed of Trust · Line of Credit STATE BANK
Sep 4, 2026	Deed of Trust, Mortgage · Conventional Mortgage STATE BANK
Oct 21, 2016	Deed of Trust, Mortgage · VA Mortgage IFREEDOM DIRECT CORP
Nov 5, 2025	Deed of Trust, Mortgage · VA Mortgage ROCKET MORTGAGE
Jun 9, 2026	Deed of Trust · Conventional Mortgage MERCANTILE BANK
May 29, 2026	Warranty Deed, Transfer · Conventional Mortgage MERCANTILE BANK
Jun 9, 2026	Deed of Trust, Mortgage MERCANTILE BANK
Nov 5, 2025	Deed of Trust, Mortgage · VA Mortgage ROCKET MORTGAGE
Nov 5, 2025	Deed of Trust, Mortgage · VA Mortgage ROCKET MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 29, 2026 · Amount on Record
Deed Sale	May 29, 2026 · Amount on Record
Prior Sale	Apr 1, 1988 · Amount on Record
Deed Document Number	20265228404
Deed Book / Page	1275 / 355
Record Updated	Oct 29, 2026

September 2026: Deed of Trust

Document Type	Deed of Trust
Jurisdiction	EMMET MI
Recording Date	Sep 4, 2026
Property Address	1306 ORCHARD LN, PETOSKEY, MI 49770-8840
Document Number	0005230783
Book / Page	1277 / 730
Instrument Date	Aug 27, 2026
Instrument	20265230783
Record Updated	Oct 1, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1306 ORCHARD LN, PETOSKEY, MI 49770-8840

Mortgage

Document Number	0005230783,
Date	Sep 4, 2026
Book Page	1277/730
Instrument	20265230783

Lender

Name	STATE BANK

Agreement

Type	Line of Credit

Interest

Rate Type	Adjustable Rate
Initial Type	Adjustable Rate
Max Rate	-1%

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EMMET MI
Recording Date	Sep 4, 2026
Property Address	1306 ORCHARD LN, PETOSKEY, MI 49770-8840
Document Number	0005230783
Book / Page	1277 / 730
Instrument Date	Aug 27, 2026
Instrument	20265230783
Transaction Type	Mortgage
Record Updated	Sep 14, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1306 ORCHARD LN, PETOSKEY, MI 49770-8840

Mortgage

Document Number	0005230783,
Date	Sep 4, 2026
Book Page	1277/730
Instrument	20265230783

Lender

Name	STATE BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months

Interest

Max Rate	-1%

October 2016: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EMMET MI
Property Address	1306 ORCHARD LN, PETOSKEY, MI 49770-8840
Transaction Type	Mortgage
Record Updated	Jun 22, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	01189/0382
Date	Oct 21, 2016
Book Page	1189/0382
Instrument	5142252

Lender

Name	IFREEDOM DIRECT CORP
Type	Lending Institution
Address	SALT LAKE CITY, UT 84116

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	301 Months
Due	Nov 1, 2041

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EMMET MI
Property Address	1306 ORCHARD LN, PETOSKEY, MI 49770-8840
Transaction Type	Mortgage
Record Updated	Jun 22, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1306 ORCHARD LN, PETOSKEY, MI 49770-8840

Mortgage

Document Number	0000001271/0000000093
Date	Nov 5, 2025
Book Page	0000001271/0000000093
Instrument	5224129

Lender

Name	ROCKET MORTGAGE

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2055

June 2026: Deed of Trust

Document Type	Deed of Trust
Jurisdiction	EMMET MI
Recording Date	Jun 9, 2026
Property Address	1306 ORCHARD LN, PETOSKEY, MI 49770-8840
Document Number	0005228659
Book / Page	1275 / 610
Instrument Date	May 27, 2026
Instrument	20265228659
Record Updated	Jun 22, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	290 LINCOLN PL, PETOSKEY, MI 49770-2577

Mortgage

Document Number	0005228659,
Date	Jun 9, 2026
Book Page	1275/610
Instrument	20265228659

Lender

Name	MERCANTILE BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	May 1, 2041

Interest

Rate	5.64%
Max Rate	-1%

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EMMET MI
Recording Date	May 29, 2026
Property Address	1306 ORCHARD LN, PETOSKEY, MI 49770-8840
Document Number	001275/355
Book / Page	1275 / 355
Instrument Date	May 27, 2026
Instrument	20265228404
Transaction Type	Transfer
Record Updated	Jun 29, 2026
Title Company	LOYAL TITLE, ROYAL TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$49,606.15
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	290 LINCOLN PL, PETOSKEY, MI 49770-2577

Mortgage

Date	May 29, 2026

Lender

Name	MERCANTILE BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	May 1, 2041

Interest

Rate	5.64%
Max Rate	-1%

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EMMET MI
Recording Date	Jun 9, 2026
Property Address	1306 ORCHARD LN, PETOSKEY, MI 49770-8840
Document Number	0005228659
Book / Page	1275 / 610
Instrument Date	May 27, 2026
Instrument	20265228659
Transaction Type	Mortgage
Record Updated	Jul 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1306 ORCHARD LN, PETOSKEY, MI 49770-8840

Mortgage

Document Number	0005228659,
Date	Jun 9, 2026
Book Page	1275/610
Instrument	20265228659

Lender

Name	MERCANTILE BANK

Agreement

Amount	Amount Recorded
Term	180 Months
Due	Jun 1, 2041

Interest

Rate	5.64%
Max Rate	-1%

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EMMET MI
Property Address	1306 ORCHARD LN, PETOSKEY, MI 49770-8840
Transaction Type	Mortgage
Record Updated	Nov 24, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1306 ORCHARD LN, PETOSKEY, MI 49770-8840

Mortgage

Document Number	0000001271/0000000093
Date	Nov 5, 2025
Book Page	0000001271/0000000093
Instrument	5224129

Lender

Name	ROCKET MORTGAGE

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2055

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EMMET MI
Property Address	1306 ORCHARD LN, PETOSKEY, MI 49770-8840
Transaction Type	Mortgage
Record Updated	Nov 17, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1306 ORCHARD LN, PETOSKEY, MI 49770-8840

Mortgage

Document Number	0000001271/0000000093
Date	Nov 5, 2025
Book Page	0000001271/0000000093
Instrument	5224129

Lender

Name	ROCKET MORTGAGE

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2055

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		$202,400 (+4.71%) Land $202,400	$404,800 (+4.71%) Land $404,800
2025		$193,300 Land $193,300	$386,600 Land $386,600
2022	$2,620.00

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.

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 8 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Truestream Fiber	1,000 / 1,000

Cell Coverage

4G LTE (outdoors only), no 5G reported

Nearby Properties on Orchard Ln

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