1991 Roy Rd, Petoskey, MI 49770 Property Records

Emmet County property record for 1991 Roy Rd, Petoskey, MI 49770

Property Summary

Property Type	Single Family Home
Lot Size	69.5 acres (3,028,291 sqft)
Owner	Individual Name on File
Tax Bill	$2,783 (2024)
Deeds & Mortgages	Dec 2025 Mortgage Aug 2019 Refinance + 3 more
Flood Zone	Zone X (minimal risk)
APN	`14-20-10-300-006`

Property Details

APN / Parcel Number

Primary APN	`14-20-10-300-006`

Exterior

Lot Area	3,028,291 sqft (69.5 acres)

Location & Zoning

Street Address	1991 ROY RD
City	PETOSKEY
State	MI
Zip	49770
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	EC FF-2
Legal Description	S 1/2 OF SW ? OF SECTION 10, EXC W 660 FT OF N 318.4925 FT OF S ? OF SW ? OF SD SEC. FURTHER EXC THAT PT OF E 1320 FT OF W
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

1991 Roy Rd is owned and occupied by an individual who acquired it in December 2025.

Source: Emmet County records, as of July 21, 2026

Owner of Record	Individual Name on File
Mailing Address	1991 ROY RD, PETOSKEY, MI 49770
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Individual(s)

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
Dec 12, 2025	Deed of Trust, Mortgage · Conventional Mortgage GREENSTONE FARM CREDIT SERVICE
Aug 28, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance CHEMICAL BANK
Dec 12, 2025	Warranty Deed, Transfer · Conventional Mortgage GREENSTONE FARM CREDIT SERVICES FLC
Aug 1, 2019	Quit Claim Deed, Transfer TALON GROUP
Jul 28, 2017	Warranty Deed, Transfer ATTORNEY'S TITLE, ATTORNEYS TITLE AGENCY LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 12, 2025
Deed Sale	Dec 12, 2025
Prior Sale	Jul 28, 2017 · Amount on File
Deed Document Number	20255224915
Deed Book / Page	1271 / 879
Prior Transfer Date	Jul 29, 2019
Prior Transfer Doc	1213/893
Record Updated	Sep 20, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EMMET MI
Property Address	1991 ROY RD, PETOSKEY, MI 49770
Transaction Type	Mortgage
Record Updated	Dec 29, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6416 CROOKED RIVER CIR, ALANSON, MI 49706-9829

Mortgage

Document Number	0005224916
Date	Dec 12, 2025
Instrument	5224916

Lender

Name	GREENSTONE FARM CREDIT SERVICE

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2056

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EMMET MI
Property Address	1991 ROY RD, PETOSKEY, MI 49770
Transaction Type	Mortgage
Record Updated	Dec 22, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001214/671
Date	Aug 28, 2019
Book Page	1214/671
Instrument	5167590

Lender

Name	CHEMICAL BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record

December 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EMMET MI
Recording Date	Dec 12, 2025
Property Address	1991 ROY RD, PETOSKEY, MI 49770
Document Number	001271/879
Book / Page	1271 / 879
Instrument Date	Dec 8, 2025
Instrument	5224915
Transaction Type	Transfer
Record Updated	Dec 22, 2025

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	6416 CROOKED RIVER CIR, ALANSON, MI 49706-9829

Mortgage

Document Number	0005224916
Date	Dec 12, 2025
Instrument	5224916

Lender

Name	GREENSTONE FARM CREDIT SERVICES FLC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2056

August 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	EMMET MI
Recording Date	Aug 1, 2019
Property Address	1991 ROY RD, PETOSKEY, MI 49770
Document Number	1213/893
Book / Page	1213 / 893
Instrument Date	Jul 29, 2019
Instrument	5166813
Transaction Type	Transfer
Record Updated	Jun 22, 2021
Title Company	TALON GROUP

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1362 TRACY LN, PETOSKEY, MI 49770-8572

July 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EMMET MI
Recording Date	Jul 28, 2017
Property Address	1991 ROY RD, PETOSKEY, MI 49770
Document Number	1196/0590
Book / Page	1196 / 0590
Instrument Date	Jul 19, 2017
Instrument	5149466
Transaction Type	Transfer
Record Updated	Jun 22, 2021
Title Company	ATTORNEY'S TITLE, ATTORNEYS TITLE AGENCY LLC

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	1362 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	Springvale Township
Unified School District	Public Schools of Petoskey (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$150,900 (+5.6%) Land $121,700 Building $29,200	$301,800 (+5.6%) Land $243,400 Building $58,400
2025		$142,900 Land $118,200 Building $24,700	$285,800 Land $236,400 Building $49,400
2024	$2,783.00
2023		$94,100 Land $76,500 Building $17,600	$188,200 Land $153,000 Building $35,200

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

Flood

FEMA maps place 1991 Roy 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 1991 Roy 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	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

Nearby Properties on Roy Rd

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