1495 Tracy Ln, Petoskey, MI 49770 Property Records

Emmet County property record for 1495 Tracy Ln, Petoskey, MI 49770

Property Summary

Property Type	Condominium
Lot Size	1 acre (43,787 sqft)
Owner	Trust Name on File
Last Sale	$639,000 (Oct 2022)
Tax Bill	$7,598 (2024)
Deeds & Mortgages	Oct 2022 Sale Oct 2022 Sale + 3 more
Flood Zone	Zone X (minimal risk)
APN	`13-18-23-301-105`

Property Details

APN / Parcel Number

Primary APN	`13-18-23-301-105`

Exterior

Architectural Style	Condo/Apartment
Lot Area	43,787 sqft

Location & Zoning

Street Address	1495 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 5. PLAN #94. SECTION 23, T34N, R6W
Legal Range	06W
Legal Township	34N
Legal Section	23
Legal Subdivision	KALCHIK ESTATES CONDO
Legal Unit	5
Jurisdiction	EMMET MI
Township / Civil Division	RESORT
Census Block Group	4
Census Block	4028
Census Tract	970600

Owner

1495 Tracy Ln, a condominium, is owner-occupied and held in a trust since October 2022.

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

Owner of Record	Trust Name on File
Mailing Address	1495 TRACY LN, PETOSKEY, MI 49770-8572
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

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
Oct 18, 2022	Warranty Deed, Transfer
Oct 18, 2022	Warranty Deed, Transfer
Aug 1, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance CITIZENS NATIONAL BANK
Oct 12, 2018	Deed of Trust, Mortgage CITIZENS NATIONAL BANK
Jul 18, 2018	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 18, 2022 · Amount on File
Deed Sale	Oct 18, 2022 · Amount on File
Prior Sale	Jul 18, 2018 · Amount on File
Deed Document Number	20225200887
Deed Book / Page	1247 / 918
Prior Transfer Date	Oct 14, 2022
Prior Transfer Doc	001247/919
Record Updated	Oct 29, 2026

October 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EMMET MI
Recording Date	Oct 18, 2022
Property Address	1495 TRACY LN, PETOSKEY, MI 49770-8572
Document Number	001247/919
Book / Page	1247 / 919
Instrument Date	Oct 14, 2022
Instrument	5200888
Transaction Type	Transfer
Record Updated	Oct 28, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration 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

October 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EMMET MI
Recording Date	Oct 18, 2022
Property Address	1495 TRACY LN, PETOSKEY, MI 49770-8572
Document Number	001247/918
Book / Page	1247 / 918
Instrument Date	Oct 14, 2022
Instrument	5200887
Transaction Type	Transfer
Record Updated	Oct 28, 2022

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

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EMMET MI
Property Address	1495 TRACY LN, PETOSKEY, MI 49770-8572
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1213/911
Date	Aug 1, 2019
Book Page	1213/911
Instrument	5166831

Lender

Name	CITIZENS NATIONAL BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EMMET MI
Property Address	1495 TRACY LN, PETOSKEY, MI 49770-8572
Transaction Type	Mortgage
Record Updated	Oct 31, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000001207/0000000223
Date	Oct 12, 2018
Book Page	0000001207/0000000223
Instrument	000005160116

Lender

Name	CITIZENS NATIONAL BANK
Type	Bank

Agreement

Amount	Amount on Record
Term	3 Months
Due	Jan 1, 2019

July 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EMMET MI
Recording Date	Jul 18, 2018
Property Address	1495 TRACY LN, PETOSKEY, MI 49770-8572
Document Number	1205/107
Book / Page	1205 / 107
Instrument Date	Jul 17, 2018
Instrument	000005158002
Transaction Type	Transfer
Record Updated	Jun 22, 2021

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	PO BOX 201, WALLOON LAKE, MI 49796-0201

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		$387,400 (+13.18%) Land $387,400	$774,800 (+13.18%) Land $774,800
2025		$342,300 Land $342,300	$684,600 Land $684,600
2024	$7,598.00
2023		$318,200 Land $318,200	$636,400 Land $636,400

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

FEMA maps place 1495 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 1495 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	KALCHIK ESTATES private · serves 147 people · EPA ID MI0003545
Water Source	Groundwater
Last State Inspection	Aug 2023
Lead	Under 1 ppb (2020–2022) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. The service area is an EPA estimate; the actual supplier may differ.

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

Nearby Properties on Tracy Ln

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