2405 Hemlock Ln, Petoskey, MI 49770 Property Records

Emmet County property record for 2405 Hemlock Ln, Petoskey, MI 49770

Property Summary

Property Type	Single Family Home
Lot Size	1 acres (43,857 sqft)
Owner	2 Individual Names on File
Last Sale	$340,000 (Nov 2019)
Tax Bill	$4,548 (2024)
Deeds & Mortgages	Nov 2019 Mortgage Apr 2021 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`13-21-01-170-025`

Property Details

APN / Parcel Number

Primary APN	`13-21-01-170-025`

Exterior

Lot Area	43,857 sqft (1 acres)

Location & Zoning

Street Address	2405 HEMLOCK LN
City	PETOSKEY
State	MI
Zip	49770-9291
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RT FF
Legal Description	THE HEMLOCKS NO 2, LOT 21. SECTION 1, T33N, R6W
Legal Range	06W
Legal Township	33N
Legal Section	01
Legal Subdivision	HEMLOCKS 2
Legal Lot Number	21
Jurisdiction	EMMET MI
Township / Civil Division	RESORT
Census Block Group	2
Census Block	2028
Census Tract	970600

Owner

2405 Hemlock Ln is owned and occupied by two individuals who bought it in November 2019.

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

Owner of Record	2 Individual Names on File
Mailing Address	2405 HEMLOCK LN, PETOSKEY, MI 49770-9291
Occupancy	Owner Occupied
Owner Type	Individual

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
Nov 12, 2019	Deed of Trust, Mortgage · FHA Mortgage LANDHOME FINANCIAL SERVICES
Apr 19, 2021	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE
Nov 12, 2019	Deed of Trust, Mortgage · FHA Mortgage LANDHOME FINANCIAL SERVICES
Nov 12, 2019	Warranty Deed, Transfer · FHA Mortgage LANDHOME FINANCIAL SERVICES
Nov 12, 2019	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 12, 2019 · Amount on File
Deed Sale	Nov 12, 2019 · Amount on File
Prior Sale	Jul 17, 2015 · Amount on File
Deed Document Number	20195169745
Deed Book / Page	1216 / 824
Record Updated	Sep 20, 2026

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EMMET MI
Property Address	2405 HEMLOCK LN, PETOSKEY, MI 49770-9291
Transaction Type	Mortgage
Record Updated	Aug 14, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000001216/0000000824
Date	Nov 12, 2019
Book Page	0000001216/0000000824
Instrument	5169745

Lender

Name	LANDHOME FINANCIAL SERVICES

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	350 Months
Due	Jan 1, 2049

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EMMET MI
Property Address	2405 HEMLOCK LN, PETOSKEY, MI 49770-9291
Transaction Type	Mortgage
Record Updated	Dec 13, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2405 HEMLOCK LN, PETOSKEY, MI 49770-9291

Mortgage

Document Number	0000001232/0000000276
Date	Apr 19, 2021
Book Page	0000001232/0000000276
Instrument	5185241

Lender

Name	FREEDOM MORTGAGE

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	348 Months
Due	Jan 1, 2050

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EMMET MI
Property Address	2405 HEMLOCK LN, PETOSKEY, MI 49770-9291
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000001216/0000000824
Date	Nov 12, 2019
Book Page	0000001216/0000000824
Instrument	5169745

Lender

Name	LANDHOME FINANCIAL SERVICES

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	350 Months
Due	Jan 1, 2049

November 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EMMET MI
Recording Date	Nov 12, 2019
Property Address	2405 HEMLOCK LN, PETOSKEY, MI 49770-9291
Document Number	1216/824
Book / Page	1216 / 824
Instrument Date	Nov 8, 2019
Instrument	5169745
Transaction Type	Transfer
Record Updated	Jul 12, 2022
Title Company	TALON GROUP

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	99E E CLUTE RD, BOYNE CITY, MI 49712-9186

Mortgage

Document Number	5169746
Date	Nov 12, 2019
Instrument	5169746

Lender

Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record

Mortgage

Document Number	0005169746
Date	Nov 12, 2019
Instrument	5169746

Lender

Name	LANDHOME FINANCIAL SERVICES

Agreement

Type	FHA Mortgage
Amount	Amount on Record

November 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EMMET MI
Recording Date	Nov 12, 2019
Property Address	2405 HEMLOCK LN, PETOSKEY, MI 49770-9291
Document Number	1216/824
Book / Page	1216 / 824
Instrument Date	Nov 8, 2019
Instrument	5169745
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	99E E CLUTE RD, BOYNE CITY, MI 49712-9186

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		$310,000 Land $310,000	$620,000 Land $620,000
2024	$4,548.00
2023		$223,900 Land $223,900	$447,800 Land $447,800

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

Flood

FEMA maps place 2405 Hemlock Ln in Zone X, an area of minimal flood risk.

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

Wildfire risk around 2405 Hemlock Ln 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	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 50 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Truestream Fiber	1,000 / 1,000

Cell Coverage

5G and 4G LTE (outdoors only)

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