2323 Tor Ln, Petoskey, MI 49770 Property Records

Emmet County property record for 2323 Tor Ln, Petoskey, MI 49770

Property Summary

Property Type	Single Family Home
Lot Size	1.7 acres (74,125 sqft)
Owner	2 Company Names on File
Last Sale	$435,000 (Nov 2020)
Tax Bill	$3,446 (2024)
Deeds & Mortgages	Aug 2020 Mortgage Jul 2021 Sale + 3 more
Flood Zone	Zone X (minimal risk)
APN	`13-18-01-326-006`

Property Details

APN / Parcel Number

Primary APN	`13-18-01-326-006`

Exterior

Lot Area	74,125 sqft (1.7 acres)

Location & Zoning

Street Address	2323 TOR LN
City	PETOSKEY
State	MI
Zip	49770-9768
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RT R-1
Legal Description	PLAT OF HUBER HIGHLANDS, LOT 4. SECTION 1, T34N, R6W
Legal Range	06W
Legal Township	34N
Legal Section	01
Legal Subdivision	HUBER HIGHLANDS
Legal Lot Number	4
Jurisdiction	EMMET MI
Township / Civil Division	RESORT
Census Block Group	1
Census Block	1049
Census Tract	970800

Owner

2323 Tor Ln is owned by a company that acquired it in July 2021 and is owner-occupied.

Source: Emmet County records, as of July 21, 2026

Owner of Record	2 Company Names on File
Mailing Address	2323 TOR LN, PETOSKEY, MI 49770-9768
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Life Estate

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Aug 19, 2020	Deed of Trust, Mortgage · Conventional Mortgage ST FRANCIS X FEDERAL CREDIT UNION
Jul 12, 2021	Warranty Deed, Transfer
Mar 16, 2020	Deed of Trust, Mortgage · Conventional Mortgage FIFTH THIRD BANK NORTHERN MICHIGAN
Nov 13, 2020	Deed of Trust, Mortgage · Conventional Mortgage FIFTH THIRD BANK
Nov 16, 2020	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 16, 2020 · Amount on File
Deed Sale	Nov 16, 2020 · Amount on File
Prior Sale	Sep 24, 2007 · Amount on File
Deed Document Number	20205180136
Deed Book / Page	1227 / 187
Last Transfer Date	Jul 12, 2021
Transfer Doc	1235/60
Record Updated	Sep 20, 2026

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EMMET MI
Property Address	2323 TOR LN, PETOSKEY, MI 49770-9768
Transaction Type	Mortgage
Record Updated	Aug 22, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2323 TOR LN, PETOSKEY, MI 49770-9768

Mortgage

Document Number	0000001224/0000000226
Date	Aug 19, 2020
Book Page	0000001224/0000000226
Instrument	517772

Lender

Name	ST FRANCIS X FEDERAL CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Jan 1, 2035

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EMMET MI
Recording Date	Jul 12, 2021
Property Address	2323 TOR LN, PETOSKEY, MI 49770-9768
Document Number	1235/60
Book / Page	1235 / 60
Instrument Date	Jul 12, 2021
Instrument	5188023
Transaction Type	Transfer
Record Updated	Aug 2, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2323 TOR LN, PETOSKEY, MI 49770-9768

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EMMET MI
Property Address	2323 TOR LN, PETOSKEY, MI 49770-9768
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2323 TOR LN, PETOSKEY, MI 49770-9768

Mortgage

Document Number	0000001220/0000000043
Date	Mar 16, 2020
Book Page	0000001220/0000000043
Instrument	5172986

Lender

Name	FIFTH THIRD BANK NORTHERN MICHIGAN

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EMMET MI
Property Address	2323 TOR LN, PETOSKEY, MI 49770-9768
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2323 TOR LN, PETOSKEY, MI 49770-9768

Mortgage

Document Number	0000001227/0000000096
Date	Nov 13, 2020
Book Page	0000001227/0000000096
Instrument	5180045

Lender

Name	FIFTH THIRD BANK

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

November 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EMMET MI
Recording Date	Nov 16, 2020
Property Address	2323 TOR LN, PETOSKEY, MI 49770-9768
Document Number	1227/187
Book / Page	1227 / 187
Instrument Date	Nov 9, 2020
Instrument	5180136
Transaction Type	Transfer
Record Updated	Jun 22, 2021

Transaction

Amount	Amount 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	909 HOWARD ST, PETOSKEY, MI 49770-3021

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Michigan
County	Emmet County
County Subdivision	Resort Township
Unified School District	Public Schools of Petoskey (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$315,900 (+28.94%) Land $315,900	$631,800 (+28.94%) Land $631,800
2025		$245,000 Land $245,000	$490,000 Land $490,000
2024	$3,446.00
2023		$253,700 Land $253,700	$507,400 Land $507,400

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 2323 Tor Ln 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
Flood Insurance Cost	Premium on File median of 13 policies
Nearby Flood Policies	13 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

Wildfire risk around 2323 Tor Ln is low, with less than 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 94% of the US · lower than 87% of Michigan
Wildfire Likelihood	Under 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 46 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
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Tor Ln

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