1777 Roy Rd, Petoskey, MI 49770 Property Records

Emmet County property record for 1777 Roy Rd, Petoskey, MI 49770

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 1,344 sqft · built 1993
Lot Size	8.5 acres (370,260 sqft)
Owner	Company Name on Record
Tax Bill	$2,082 (2024)
Deeds & Mortgages	Jul 2026 Sale Jan 2017 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`14-20-10-300-005`

Property Details

APN / Parcel Number

Primary APN	`14-20-10-300-005`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Building Area	1,344 sqft Living Area
1st Floor Area	1,008 sqft
Basement Area	1,008 sqft

Exterior

Year Built	Built 1993
Effective Year Built	Effective 1993
Architectural Style	Other
Lot Area	370,260 sqft (8.5 acres)
Garage Area	560 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	1777 ROY RD
City	PETOSKEY
State	MI
Zip	49770-8860
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	EC FF-2
Legal Description	W 660 FT OF N 318.4925 FT OF S ? OF SW ? OF SECTION 10. ALSO INC THAT PT OF E 1320 FT OF W 1980 FT OF N 318.4925 FT OF S ? OF SW ? OF SD SEC, LYING W OF EXST OLD TWO TRACK VALLEY VIEW RD THAT GOES N TO MITCHELL RD. SUBJ TO RD R/O/W. SECTION 10, T34N,
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	Company Name on Record
Mailing Address	1525 ROY RD, PETOSKEY, MI 49770-8844
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Jul 6, 2026	Warranty Deed, Transfer
Jan 9, 2017	Deed of Trust, Mortgage · Line of Credit PNC BANK NA
Aug 30, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance THE HUNTINGTON NATIONAL BANK
Jan 28, 2021	Warranty Deed, Transfer · Conventional Mortgage CALIBER HOME LOANS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 6, 2026
Deed Sale	Jul 6, 2026
Prior Sale	Jan 28, 2021 · Amount on Record
Deed Document Number	20265229244
Deed Book / Page	1276 / 196
Prior Transfer Date	Jun 22, 2026
Prior Transfer Doc	0005229244
Record Updated	Oct 29, 2026

July 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EMMET MI
Recording Date	Jul 6, 2026
Property Address	1777 ROY RD, PETOSKEY, MI 49770-8860
Document Number	0005229244
Book / Page	1276 / 196
Instrument Date	Jun 22, 2026
Instrument	20265229244
Transaction Type	Transfer
Record Updated	Aug 31, 2026

Transaction

Tax	$0.00
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1525 ROY RD, PETOSKEY, MI 49770-8844

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EMMET MI
Property Address	1777 ROY RD, PETOSKEY, MI 49770-8860
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1191/0315
Date	Jan 9, 2017
Book Page	1191/0315
Instrument	5144194

Lender

Name	PNC BANK NA
Type	Bank
Address	PETOSKEY, MI 49770

Agreement

Type	Line of Credit
Amount	Amount Recorded

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EMMET MI
Property Address	1777 ROY RD, PETOSKEY, MI 49770-8860
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1214/781
Date	Aug 30, 2019
Book Page	1214/781
Instrument	5167700

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2049

January 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EMMET MI
Recording Date	Jan 28, 2021
Property Address	1777 ROY RD, PETOSKEY, MI 49770-8860
Document Number	1229/521
Book / Page	1229 / 521
Instrument Date	Jan 27, 2021
Instrument	5182489
Transaction Type	Transfer
Record Updated	Jun 22, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV 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	7926 JAKES RUN, PETOSKEY, MI 49770-8691

Mortgage

Document Number	5182490
Date	Jan 28, 2021
Instrument	5182490

Lender

Name	CALIBER HOME LOANS

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2051

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		$210,200 (+45.97%) Land $31,500 Building $178,700	$420,400 (+45.97%) Land $63,000 Building $357,400
2024	$2,082.00
2023		$144,000 Land $19,100 Building $124,900	$288,000 Land $38,200 Building $249,800

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 4 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

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