2038 M 119, Petoskey, MI 49770 Property Records

Emmet County property record for 2038 M 119, Petoskey, MI 49770

Property Summary

Property Type	Commercial
Details	12,250 sqft · built 1989
Lot Size	0.99 acres (43,124 sqft)
Owner	2 Individual Names on Record
Tax Bill	$9,721 (2024)
Deeds & Mortgages	Sep 2026 Transfer Sep 2026 Sale + 3 more
Flood Zone	Zone X (minimal risk)
APN	`01-16-27-200-044`

Property Details

APN / Parcel Number

Primary APN	`01-16-27-200-044`

Interior

Units	2 Units
Stories	1 Story
Building Area	12,250 sqft Total Area
1st Floor Area	24,500 sqft

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Fire Resistance	Special
Lot Area	43,124 sqft (0.99 acres)
Lot Dimensions	430 ft deep x 100 ft wide

Location & Zoning

Street Address	2038 M 119
City	PETOSKEY
State	MI
Zip	49770-8914
Property Category	Commercial
Property Type	Commercial > Retail
Local Zoning Code	EC B-2
Legal Description	COM 653.15 FT E OF N 1/4 COR AT E LN OF HWY, TH S 1320 FT TO N LN OF GOVT LOT 4 TH S 987.2 FT TO POB, TH E 430 FT, S 100 FT, W 430 FT, N 100 FT TO POB, SUBJ TO 20 FT EASEMENT ACROSS N 20 FT. .98 A SECTION 27, T35N, R5W.
Legal Range	05W
Legal Township	35N
Legal Section	27
Legal Lot Number	4
Jurisdiction	EMMET MI
Township / Civil Division	BEAR CREEK
Census Block Group	2
Census Block	2046
Census Tract	970400

Owner

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	2 Individual Names on Record
Mailing Address	731 W HATHAWAY RD, HARBOR SPRINGS, MI 49740-9529
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 10, 2026	Quit Claim Deed, Transfer Quitclaim
Sep 10, 2026	Deed, Transfer
Jul 31, 2026	Warranty Deed, Transfer
Jul 31, 2026	Warranty Deed, Transfer
Apr 18, 2022	Deed of Trust, Mortgage · Conventional Mortgage HONOR BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Aug 13, 2026
Transfer Doc	0005230860
Record Updated	Oct 29, 2026

September 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	EMMET MI
Recording Date	Sep 10, 2026
Property Address	2038 M 119, PETOSKEY, MI 49770-8914
Document Number	0005230860
Book / Page	1277 / 807
Instrument Date	Aug 13, 2026
Instrument	20265230860
Transaction Type	Transfer
Record Updated	Oct 1, 2026

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	731 W HATHAWAY RD, HARBOR SPRINGS, MI 49740-9529

September 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	EMMET MI
Recording Date	Sep 10, 2026
Property Address	2038 M 119, PETOSKEY, MI 49770-8914
Document Number	1277000807
Book / Page	1277 / 807
Instrument Date	Aug 13, 2026
Transaction Type	Transfer
Record Updated	Sep 28, 2026

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	731 W HATHAWAY RD, HARBOR SPRINGS, MI 49740-9529

July 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EMMET MI
Recording Date	Jul 31, 2026
Property Address	2038 M 119, PETOSKEY, MI 49770-8914
Document Number	0005229881
Book / Page	1276 / 827
Instrument Date	Jul 8, 2026
Instrument	20265229881
Transaction Type	Transfer
Record Updated	Sep 9, 2026

Transaction

Tax	$0.00

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

July 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EMMET MI
Recording Date	Jul 31, 2026
Property Address	2038 M 119, PETOSKEY, MI 49770-8914
Document Number	0005229881
Book / Page	1276 / 827
Instrument Date	Jul 8, 2026
Instrument	20265229881
Transaction Type	Transfer
Record Updated	Aug 10, 2026

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	731 W HATHAWAY RD, HARBOR SPRINGS, MI 49740-9529

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EMMET MI
Property Address	2038 M 119, PETOSKEY, MI 49770-8914
Transaction Type	Mortgage
Record Updated	May 16, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2038 M 119, PETOSKEY, MI 49770-8914

Mortgage

Document Number	0000001243/0000000280
Date	Apr 18, 2022
Book Page	0000001243/0000000280
Instrument	5196252

Lender

Name	HONOR BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

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		$297,600 (+28.44%) Land $50,000 Building $247,600	$595,200 (+28.44%) Land $100,000 Building $495,200
2024	$9,721.00
2023		$231,700 Land $22,500 Building $209,200	$463,400 Land $45,000 Building $418,400

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 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	7 in force

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; 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	None beyond ember reach

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	LAKESIDE CLUB CONDOMINIUMS private · serves 210 people · EPA ID MI0003744
Water Source	Groundwater
Last State Inspection	Jan 2025

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 43 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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