1475 Cedar Valley Rd, Petoskey, MI 49770 Property Records

Emmet County property record for 1475 Cedar Valley Rd, Petoskey, MI 49770

Property Summary

Property Type	Single Family Home
Details	2 bd · 2.5 ba · 840 sqft · built 2010
Lot Size	1.7 acres (74,052 sqft)
Owner	Individual Name on File
Tax Bill	$1,820 (2024)
Deeds & Mortgages	Jul 2026 Line of Credit Mar 2024 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`01-19-10-100-015`

Property Details

APN / Parcel Number

Primary APN	`01-19-10-100-015`

Interior

Bedrooms	2 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Building Area	840 sqft Living Area
1st Floor Area	840 sqft
Basement Area	840 sqft
Unfinished Basement	840 sqft

Exterior

Year Built	Built 2010
Effective Year Built	Effective 2010
Lot Area	74,052 sqft (1.7 acres)
Garage Area	720 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	1475 CEDAR VALLEY RD
City	PETOSKEY
State	MI
Zip	49770-9049
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	EC FF-1
Legal Description	COM AT W 1/4 COR OF SEC FOR POB, TH N 320 FT, TH E 286 FT, S 320 FT TO E-W 1/4 LN, W 286 FT TO POB, EXC RD ROWS, SECTION 10, T34N, R5W. 1.7 AC M/L.
Legal Range	05W
Legal Township	34N
Legal Section	10
Jurisdiction	EMMET MI
Township / Civil Division	BEAR CREEK
Census Block Group	1
Census Block	1015
Census Tract	970600

Owner

1475 Cedar Valley Rd is owned and occupied by an individual who acquired it in July 2003.

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	1475 CEDAR VALLEY RD, PETOSKEY, MI 49770-9049
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 23, 2026	Deed of Trust, Mortgage · Line of Credit 4FRONT CREDIT UNION
Mar 4, 2024	Deed of Trust, Mortgage · Conventional Mortgage 4FRONT CREDIT UNION
Mar 1, 2018	Deed of Trust, Mortgage 4 FRONT CU
Jun 25, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance 4 FRONT CREDIT UNION

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 11, 2003
Deed Sale	Jul 11, 2003
Deed Book / Page	986 / 685
Record Updated	Oct 29, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EMMET MI
Recording Date	Jul 23, 2026
Property Address	1475 CEDAR VALLEY RD, PETOSKEY, MI 49770-9049
Document Number	0005229653
Book / Page	1276 / 599
Instrument Date	Jul 6, 2026
Instrument	20265229653
Transaction Type	Mortgage
Record Updated	Aug 19, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1475 CEDAR VALLEY RD, PETOSKEY, MI 49770-9049

Mortgage

Document Number	0005229653,
Date	Jul 23, 2026
Book Page	1276/599
Instrument	20265229653

Lender

Name	4FRONT CREDIT UNION

Agreement

Type	Line of Credit
Term	264 Months
Due	Jul 25, 2048

Interest

Rate	6.48%
Max Rate	-1%

March 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EMMET MI
Property Address	1475 CEDAR VALLEY RD, PETOSKEY, MI 49770-9049
Transaction Type	Mortgage
Record Updated	Mar 21, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1475 CEDAR VALLEY RD, PETOSKEY, MI 49770-9049

Mortgage

Document Number	0000001258/0000000200
Date	Mar 4, 2024
Book Page	0000001258/0000000200
Instrument	5211207

Lender

Name	4FRONT CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	264 Months
Due	Jan 1, 2046

March 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EMMET MI
Property Address	1475 CEDAR VALLEY RD, PETOSKEY, MI 49770-9049
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000001201/0000000632
Date	Mar 1, 2018
Book Page	0000001201/0000000632
Instrument	000005154530

Lender

Name	4 FRONT CU
Type	Credit Union

Agreement

Amount	Amount on Record
Term	358 Months
Due	Jan 1, 2048

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EMMET MI
Property Address	1475 CEDAR VALLEY RD, PETOSKEY, MI 49770-9049
Transaction Type	Mortgage
Record Updated	Jul 10, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1213/88
Date	Jun 25, 2019
Book Page	1213/88
Instrument	5166008

Lender

Name	4 FRONT CREDIT UNION

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	121 Months
Due	Jul 1, 2029

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$162,700 (+41.85%) Land $162,700	$325,400 (+41.85%) Land $325,400
2024	$1,820.00
2023		$114,700 Land $114,700	$229,400 Land $229,400

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

Flood

FEMA maps place 1475 Cedar Valley Rd 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 1475 Cedar Valley Rd 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

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 17 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 / 50
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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