204 State St, Petoskey, MI 49770 Property Records

Emmet County property record for 204 State St, Petoskey, MI 49770

Property Summary

Property Type	Commercial
Details	3,252 sqft
Lot Size	0.31 acres (13,504 sqft)
Owner	2 Individual Names on Record
Last Sale	$505,000 (Mar 2022)
Tax Bill	$12,658 (2024)
Deeds & Mortgages	Mar 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`52-19-06-278-020`

Property Details

APN / Parcel Number

Primary APN	`52-19-06-278-020`

Interior

Building Area	3,252 sqft Total Area
1st Floor Area	4,962 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Fire Resistance	Wood or Wood & Steel Frame
Lot Area	13,504 sqft (0.31 acres)
Lot Dimensions	94 ft deep x 144 ft wide

Location & Zoning

Street Address	204 STATE ST
City	PETOSKEY
State	MI
Zip	49770-2718
Property Category	Commercial
Property Type	Commercial > Retail
Local Zoning Code	COP RM-2
Legal Description	FRASER & CURDY'S ADDITION LOT 6 & 7 BLK 3 . SECTION 6, T34N, R5W
Legal Range	05W
Legal Township	34N
Legal Section	06
Legal Subdivision	FRASER & CURDYS ADD
Legal Block	3
Legal Lot Number	6-7
Jurisdiction	EMMET MI
Township / Civil Division	PETOSKEY
Census Block Group	2
Census Block	2010
Census Tract	970800

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	2 Individual Names on Record
Mailing Address	204 STATE ST, PETOSKEY, MI 49770-2718
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 10, 2022 · Amount on Record
Deed Sale	Mar 10, 2022 · Amount on Record
Deed Document Number	20225195103
Deed Book / Page	1242 / 130
Record Updated	Oct 29, 2026

March 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EMMET MI
Recording Date	Mar 10, 2022
Property Address	204 STATE ST, PETOSKEY, MI 49770-2718
Document Number	001242/130
Book / Page	1242 / 130
Instrument Date	Mar 9, 2022
Instrument	5195103
Transaction Type	Transfer
Record Updated	Apr 1, 2022

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	4451 OAK POINTE DR, BRIGHTON, MI 48116-9791

Mortgage

Document Number	0005195104
Date	Mar 10, 2022
Instrument	5195104

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	358 Months
Due	Jan 1, 2052

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Michigan
County	Emmet County
Municipality	Petoskey City
Unified School District	Public Schools of Petoskey (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$405,700 (+16.08%) Land $72,000 Building $333,700	$811,400 (+16.08%) Land $144,000 Building $667,400
2024	$12,658.00
2023		$349,500 Land $32,400 Building $317,100	$699,000 Land $64,800 Building $634,200

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	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	CITY OF PETOSKEY serves 8,979 people · EPA ID MI0005300
Water Source	Groundwater
Last State Inspection	Aug 2023
Lead	2 ppb (2022–2024) action level 15 ppb

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 508 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: AT&T.

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