210 Howard St, Petoskey, MI 49770 Property Records

Emmet County property record for 210 Howard St, Petoskey, MI 49770

Property Summary

Property Type	Commercial
Details	5,704 sqft · built 1890
Lot Size	0.089 acres (3,915 sqft)
Owner	Company Name on Record
Last Sale	$250,000 (Mar 1996)
Tax Bill	$15,102 (2024)
Deeds & Mortgages	Apr 2017 Mortgage Jul 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`52-19-06-226-007`

Property Details

APN / Parcel Number

Primary APN	`52-19-06-226-007`

Interior

Units	2 Units
Building Area	5,704 sqft Building Perimeter

Exterior

Year Built	Built 1890
Effective Year Built	Effective 1890
Fire Resistance	Fireproof Steel Frame
Lot Area	3,915 sqft (0.089 acres)

Location & Zoning

Street Address	210 HOWARD ST
City	PETOSKEY
State	MI
Zip	49770-2412
Property Category	Commercial
Property Type	Commercial > Retail
Local Zoning Code	COP B-2
Legal Description	SHAW & MC MILLAN'S ADDITION S 37 1/2 FT OF LOTS 1 & 2 BLK 9 SECTION 6, T34N, R5W
Legal Range	05W
Legal Township	34N
Legal Section	06
Legal Subdivision	SHAW & MCMILLANS ADD
Legal Block	9
Legal Lot Number	1-2
Jurisdiction	EMMET MI
Township / Civil Division	PETOSKEY
Census Block Group	1
Census Block	1064
Census Tract	970700

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Petoskey Downtown Historic District (Additional Documentation) listed 1986 · 88 contributing resources · NRIS 86002048

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

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	Company Name on Record
Mailing Address	PO BOX 676, PETOSKEY, MI 49770-0676
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Apr 28, 2017	Deed of Trust, Mortgage · Commercial Mortgage CHEMICAL BANK
Jul 23, 2020	Deed of Trust, Mortgage · Conventional Mortgage STANDARD INSURANCE
Feb 27, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance CITIZENS NATIONAL BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 1, 1996 · Amount on Record
Deed Sale	Mar 1, 1996 · Amount on Record
Record Updated	Oct 29, 2026

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EMMET MI
Property Address	210 HOWARD ST, PETOSKEY, MI 49770-2412
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1194/0431
Date	Apr 28, 2017
Book Page	1194/0431
Instrument	5147307

Lender

Name	CHEMICAL BANK
Type	Bank
Address	MIDLAND, MI 48640

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EMMET MI
Property Address	210 HOWARD ST, PETOSKEY, MI 49770-2412
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	210 HOWARD ST, PETOSKEY, MI 49770-2412

Mortgage

Document Number	0000001223/0000000343
Date	Jul 23, 2020
Book Page	0000001223/0000000343
Instrument	516286

Lender

Name	STANDARD INSURANCE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	300 Months
Due	Jan 1, 2045

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EMMET MI
Property Address	210 HOWARD ST, PETOSKEY, MI 49770-2412
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1210/183
Date	Feb 27, 2019
Book Page	1210/183
Instrument	5163100

Lender

Name	CITIZENS NATIONAL BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
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
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		$438,400 (+8.22%) Land $438,400	$876,800 (+8.22%) Land $876,800
2024	$15,102.00
2023		$405,100 Land $405,100	$810,200 Land $810,200

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

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	4 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	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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