Emmet County property record for 217 Howard St, Petoskey, MI 49770
| Property Type | Commercial |
|---|---|
| Details | 2,768 sqft · built 1960 |
| Lot Size | 0.039 acres (1,720 sqft) |
| Owner | 2 Trust Names on File |
| Tax Bill | $3,976 (2024) |
| Deeds & Mortgages | May 2020 Mortgage May 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 52-19-05-101-059 |
| Primary APN | 52-19-05-101-059 |
|---|
| Building Area | 2,768 sqft Building Perimeter |
|---|
| Year Built | Built 1960 |
|---|---|
| Effective Year Built | Effective 1960 |
| Fire Resistance | Fireproof Steel Frame |
| Lot Area | 1,720 sqft (0.039 acres) |
| Street Address | 217 HOWARD ST |
|---|---|
| City | PETOSKEY |
| State | MI |
| Zip | 49770 |
| Property Category | Commercial |
| Property Type | Commercial > Retail |
| Local Zoning Code | COP B-2 |
| Legal Description | SHAW & MC MILLAN'S ADDITION, PT OF E 1/2 LOT 7, BLK 6. EXC COM AT SW COR OF SD LOT 7, TH N00?07'43"E 138.14 FT ALG W LN OF LOT 7, TH S89?55'18"E 24.92 FT ALG N LN OF LOT 7 TO POB, TH CONT S89?55'18"E 24.92 FT, TH S00?03'13"E 68.82 FT AL E LN OF LOT 7 |
| Legal Range | 05W |
| Legal Township | 34N |
| Legal Section | 05 |
| Legal Subdivision | SHAW & MCMILLANS ADD |
| Legal Block | 6 |
| Legal Lot Number | 7 |
| Jurisdiction | EMMET MI |
| Township / Civil Division | PETOSKEY |
| Census Block Group | 1 |
| Census Block | 1079 |
| Census Tract | 970700 |
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.
217 Howard St, a commercial property, is held in a trust since April 1998.
Source: Emmet County records, as of October 20, 2026
| Owner of Record | 2 Trust Names on File |
|---|---|
| Mailing Address | 4 BELLE AVE, PETOSKEY, MI 49770-2429 |
| Owner Type | Company |
| Vesting | Trust |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| May 19, 2020 | Deed of Trust, Mortgage · Commercial Mortgage FIRST COMMUNITY BANK |
| May 19, 2020 | Deed of Trust, Mortgage · Commercial Mortgage FIRST COMMUNITY BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 6, 1998 |
| Deed Sale | Apr 6, 1998 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | EMMET MI |
| Property Address | 217 HOWARD ST, PETOSKEY, MI 49770-2411 |
| Transaction Type | Mortgage |
| Record Updated | Feb 7, 2021 |
| Name | Verified Name |
|---|---|
| Address | 217 HOWARD ST, PETOSKEY, MI 49770-2411 |
| Document Number | 0000001221/0000000542 |
|---|---|
| Date | May 19, 2020 |
| Book Page | 0000001221/0000000542 |
| Instrument | 5174485 |
| Name | FIRST COMMUNITY BANK |
|---|
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | EMMET MI |
| Property Address | 217 HOWARD ST, PETOSKEY, MI 49770-2411 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|---|
| Address | 217 HOWARD ST, PETOSKEY, MI 49770-2411 |
| Document Number | 0000001221/0000000544 |
|---|---|
| Date | May 19, 2020 |
| Book Page | 0000001221/0000000544 |
| Instrument | 5174487 |
| Name | FIRST COMMUNITY BANK |
|---|
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
Source: Emmet County assessment roll, as of July 21, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Emmet County |
| Municipality | Petoskey City |
| Unified School District | Public Schools of Petoskey (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $239,700 Land $239,700 | $479,400 Land $479,400 | |
| 2024 | $3,976.00 | ||
| 2023 | $220,800 Land $220,800 | $441,600 Land $441,600 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 217 Howard St in Zone X, an area of minimal flood risk.
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 | 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 risk around 217 Howard St 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 | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
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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