Emmet County property record for 2186 M 119, Petoskey, MI 49770
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 988 sqft |
| Lot Size | 2.94 acres (128,183 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $4,041 (2024) |
| Deeds & Mortgages | Sep 2026 Mortgage Sep 2026 Mortgage + 5 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 01-16-27-200-020 |
| Primary APN | 01-16-27-200-020 |
|---|
| Full Baths | 2 Baths |
|---|---|
| Building Area | 988 sqft Living Area |
| 1st Floor Area | 988 sqft |
| Basement Area | 988 sqft |
| Unfinished Basement | 988 sqft |
| Lot Area | 128,183 sqft (2.94 acres) |
|---|---|
| Garage Area | 396 sqft |
| Heating System | Forced Air with A/C |
|---|
| Street Address | 2186 M 119 |
|---|---|
| City | PETOSKEY |
| State | MI |
| Zip | 49770-9072 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | EC R-2 |
| Legal Description | COM ON C/L OF HWY M-119 AT PT 610.8 FT E & 920 FT N OF CTR POST OF SECTION 27, TH E 1302.9 FT, TH N22?36?W 108.4 FT, TH W 1262.6 FT TO CTR OF HWY M-119, TH S 100 FT TO POB. SECTION 27, T35N, R5W. |
| Legal Range | 05W |
| Legal Township | 35N |
| Legal Section | 27 |
| Jurisdiction | EMMET MI |
| Township / Civil Division | BEAR CREEK |
| Census Block Group | 2 |
| Census Block | 2046 |
| Census Tract | 970400 |
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 | Individual Name on Record |
|---|---|
| Mailing Address | 2023B E MITCHELL RD, PETOSKEY, MI 49770-9603 |
| Owner Type | Individual |
| Vesting | Individual(s) |
| Date | Document |
|---|---|
| Sep 11, 2026 | Deed of Trust · Commercial Mortgage CITIZENS NATIONAL BANK |
| Sep 3, 2026 | Deed of Trust, Mortgage · Conventional Mortgage CITIZENS NATIONAL BANK |
| Sep 3, 2026 | Quit Claim Deed, Transfer · Conventional Mortgage CITIZENS NATIONAL BANK |
| Sep 3, 2026 | Quit Claim Deed, Transfer · Conventional Mortgage CITIZENS NATIONAL BANK |
| Jun 26, 2018 | Deed of Trust, Mortgage CITIZENS NATIONAL BANK |
| Mar 5, 2018 | Deed of Trust, Mortgage CITIZENS NATIONAL BANK |
| Jun 26, 2018 | Warranty Deed, Transfer |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 3, 2026 |
| Deed Sale | Sep 3, 2026 |
| Prior Sale | Apr 12, 2005 |
| Deed Document Number | 20265230701 |
| Deed Book / Page | 1277 / 648 |
| Prior Transfer Date | Aug 13, 2026 |
| Prior Transfer Doc | 0005230701 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | EMMET MI |
| Recording Date | Sep 11, 2026 |
| Property Address | 2186 M 119, PETOSKEY, MI 49770-9072 |
| Document Number | 0005230930 |
| Book / Page | 1277 / 877 |
| Instrument Date | Sep 3, 2026 |
| Instrument | 20265230930 |
| Record Updated | Oct 7, 2026 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Document Number | 0005230930, |
|---|---|
| Date | Sep 11, 2026 |
| Book Page | 1277/877 |
| Instrument | 20265230930 |
| Name | CITIZENS NATIONAL BANK |
|---|
| Type | Commercial Mortgage |
|---|
| Max Rate | -1% |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | EMMET MI |
| Recording Date | Sep 3, 2026 |
| Property Address | 2186 M 119, PETOSKEY, MI 49770-9072 |
| Document Number | 0005230702 |
| Instrument Date | Aug 13, 2026 |
| Instrument | 20265230702 |
| Transaction Type | Mortgage |
| Record Updated | Sep 21, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0005230702, |
|---|---|
| Date | Sep 3, 2026 |
| Instrument | 20265230702 |
| Name | CITIZENS NATIONAL BANK |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Max Rate | -1% |
|---|
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | EMMET MI |
| Recording Date | Sep 3, 2026 |
| Property Address | 2186 M 119, PETOSKEY, MI 49770-9072 |
| Document Number | 0005230701 |
| Book / Page | 1277 / 648 |
| Instrument Date | Aug 13, 2026 |
| Instrument | 20265230701 |
| Transaction Type | Transfer |
| Record Updated | Sep 14, 2026 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
| Document Number | 0005230702, |
|---|---|
| Date | Sep 3, 2026 |
| Book Page | 1277/649 |
| Instrument | 20265230702 |
| Name | CITIZENS NATIONAL BANK |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Max Rate | -1% |
|---|
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | EMMET MI |
| Recording Date | Sep 3, 2026 |
| Property Address | 2186 M 119, PETOSKEY, MI 49770-9072 |
| Document Number | 0005230701 |
| Book / Page | 1277 / 648 |
| Instrument Date | Aug 13, 2026 |
| Instrument | 20265230701 |
| Transaction Type | Transfer |
| Record Updated | Oct 1, 2026 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
| Document Number | 0005230702, |
|---|---|
| Date | Sep 3, 2026 |
| Instrument | 20265230702 |
| Name | CITIZENS NATIONAL BANK |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Max Rate | -1% |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | EMMET MI |
| Property Address | 2186 M 119, PETOSKEY, MI 49770-9072 |
| Transaction Type | Mortgage |
| Record Updated | Feb 7, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000001204/0000000542 |
|---|---|
| Date | Jun 26, 2018 |
| Book Page | 0000001204/0000000542 |
| Instrument | 000005157437 |
| Name | CITIZENS NATIONAL BANK |
|---|---|
| Type | Bank |
| Amount | Amount Recorded |
|---|---|
| Term | 175 Months |
| Due | Jan 1, 2033 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | EMMET MI |
| Property Address | 2186 M 119, PETOSKEY, MI 49770-9072 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 000005154623 |
|---|---|
| Date | Mar 5, 2018 |
| Instrument | 000005154623 |
| Name | CITIZENS NATIONAL BANK |
|---|---|
| Type | Bank |
| Amount | Amount Recorded |
|---|---|
| Term | 178 Months |
| Due | Jan 1, 2033 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | EMMET MI |
| Recording Date | Jun 26, 2018 |
| Property Address | 2186 M 119, PETOSKEY, MI 49770-9072 |
| Document Number | 1204/543 |
| Book / Page | 1204 / 543 |
| Instrument Date | Jun 25, 2018 |
| Instrument | 000005157438 |
| Transaction Type | Transfer |
| Record Updated | Jun 22, 2021 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 6915 M 119, HARBOR SPRINGS, MI 49740-9403 |
Source: Emmet County assessment roll, as of July 21, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Emmet County |
| County Subdivision | Bear Creek Township |
| Unified School District | Public Schools of Petoskey (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $247,000 (+13.35%) Land $247,000 | $494,000 (+13.35%) Land $494,000 | |
| 2025 | $217,900 (+34.67%) Land $217,900 | $435,800 (+34.67%) Land $435,800 | |
| 2024 | $4,041.00 | ||
| 2023 | $161,800 Land $161,800 | $323,600 Land $323,600 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 41 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 |
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