1394 Tracy Ln, Petoskey, MI 49770 Property Records

Emmet County property record for 1394 Tracy Ln, Petoskey, MI 49770

Property Summary

Property Type	Condominium
Lot Size	1.09 acres (47,671 sqft)
Owner	2 Individual Names on File
Last Sale	$46,500 (Sep 2019)
Tax Bill	$8,118 (2024)
Deeds & Mortgages	Apr 2023 Mortgage Feb 2023 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`13-18-23-301-128`

Property Details

APN / Parcel Number

Primary APN	`13-18-23-301-128`

Exterior

Architectural Style	Condo/Apartment
Lot Area	47,671 sqft

Location & Zoning

Street Address	1394 TRACY LN
City	PETOSKEY
State	MI
Zip	49770-8572
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	RT FF
Legal Description	KALCHIK ESTATES CONDO, UNIT 28. PLAN #94. SECTION 23, T34N, R6W
Legal Range	06W
Legal Township	34N
Legal Section	23
Legal Subdivision	KALCHIK ESTATES
Legal Unit	28
Jurisdiction	EMMET MI
Township / Civil Division	RESORT
Census Block Group	4
Census Block	4019
Census Tract	970600

Owner

1394 Tracy Ln, a condominium, is owned and occupied by two individuals who bought it in September 2019.

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

Owner of Record	2 Individual Names on File
Mailing Address	1394 TRACY LN, PETOSKEY, MI 49770-8572
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
Apr 5, 2023	Deed of Trust, Mortgage · Conventional Mortgage CITIZENS NATIONAL BANK OF CHEBOYGAN
Feb 24, 2023	Deed of Trust, Mortgage · Conventional Mortgage CITIZENS NATIONAL BANK OF CHEBOYGAN
Mar 7, 2022	Deed of Trust, Mortgage · Conventional Mortgage CITIZENS NATIONAL BANK OF CHEBOYGAN
Aug 7, 2017	Deed of Trust, Mortgage CHEMICAL BANK
Sep 10, 2019	Warranty Deed, Transfer TALON GROUP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 10, 2019 · Amount on File
Deed Sale	Sep 10, 2019 · Amount on File
Prior Sale	Dec 18, 2012 · Amount on File
Deed Document Number	20195167961
Deed Book / Page	1215 / 43
Prior Transfer Date	Nov 27, 2012
Prior Transfer Doc	1151/603
Record Updated	Oct 29, 2026

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EMMET MI
Property Address	1394 TRACY LN, PETOSKEY, MI 49770-8572
Transaction Type	Mortgage
Record Updated	Apr 18, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1394 TRACY LN, PETOSKEY, MI 49770-8572

Mortgage

Document Number	0000001251/0000000413
Date	Apr 5, 2023
Book Page	0000001251/0000000413
Instrument	5204399

Lender

Name	CITIZENS NATIONAL BANK OF CHEBOYGAN

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

February 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EMMET MI
Property Address	1394 TRACY LN, PETOSKEY, MI 49770-8572
Transaction Type	Mortgage
Record Updated	Mar 3, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1394 TRACY LN, PETOSKEY, MI 49770-8572

Mortgage

Document Number	0000001250/0000000316
Date	Feb 24, 2023
Book Page	0000001250/0000000316
Instrument	5203303

Lender

Name	CITIZENS NATIONAL BANK OF CHEBOYGAN

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Jan 1, 2043

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EMMET MI
Property Address	1394 TRACY LN, PETOSKEY, MI 49770-8572
Transaction Type	Mortgage
Record Updated	Apr 1, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1394 TRACY LN, PETOSKEY, MI 49770-8572

Mortgage

Document Number	0000001242/0000000047
Date	Mar 7, 2022
Book Page	0000001242/0000000047
Instrument	5195020

Lender

Name	CITIZENS NATIONAL BANK OF CHEBOYGAN

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	12 Months
Due	Jan 1, 2023

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EMMET MI
Property Address	1394 TRACY LN, PETOSKEY, MI 49770-8572
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1196/0806
Date	Aug 7, 2017
Book Page	1196/0806
Instrument	5149684

Lender

Name	CHEMICAL BANK
Type	Bank
Address	MIDLAND, MI 48640

Agreement

Amount	Amount on Record

September 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EMMET MI
Recording Date	Sep 10, 2019
Property Address	1394 TRACY LN, PETOSKEY, MI 49770-8572
Document Number	1215/43
Book / Page	1215 / 43
Instrument Date	Sep 3, 2019
Instrument	5167961
Transaction Type	Transfer
Record Updated	Jun 22, 2021
Title Company	TALON GROUP

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	1495 TRACY LN, PETOSKEY, MI 49770-8572

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$468,100 Land $468,100	$936,200 Land $936,200
2024	$8,118.00
2023		$312,900 Land $312,900	$625,800 Land $625,800

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

Flood

FEMA maps place 1394 Tracy Ln in Zone X, an area of minimal flood risk.

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

Wildfire risk around 1394 Tracy Ln 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	Indirect within ember reach
Adjoins Burnable Land	Yes

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 48 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

Cell Coverage

5G (outdoors only) and 4G LTE

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