Emmet County property record for 2628 Howard Rd, Petoskey, MI 49770
| Property Type | Single Family Home |
|---|---|
| Details | 2.5 ba · 1,521 sqft |
| Lot Size | 1.23 acres (53,579 sqft) |
| Owner | Individual Name on File |
| Last Sale | $7,041 (Jun 2026) |
| Tax Bill | $5,958 (2024) |
| Deeds & Mortgages | Jun 2026 Foreclosure Mar 2026 Foreclosure + 5 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 01-19-18-400-035 |
| Primary APN | 01-19-18-400-035 |
|---|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 4 Stories |
| Building Area | 1,521 sqft Living Area |
| 1st Floor Area | 864 sqft |
| Basement Area | 864 sqft |
| Unfinished Basement | 848 sqft |
| Architectural Style | Other |
|---|---|
| Lot Area | 53,579 sqft (1.23 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 2628 HOWARD RD |
|---|---|
| City | PETOSKEY |
| State | MI |
| Zip | 49770-9503 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | EC FF-1 |
| Legal Description | PT OF NE ? OF SE ? OF SECTION 18, COM AT E ? COR OF SD SEC, TH ALG E LN OF SD SEC, S00?20?05?W 759.65 FT FOR POB, TH CONT S00?20?05?W 150.35 FT, TH S89?20?38?W 33.01 FT TO W LN OF HOWARD RD, TH S89?20?38?W 335.43 FT, TH N00?19?01?E 139.89 FT, TH N89? |
| Legal Range | 05W |
| Legal Township | 34N |
| Legal Section | 18 |
| Jurisdiction | EMMET MI |
| Township / Civil Division | BEAR CREEK |
| Census Block Group | 2 |
| Census Block | 2005 |
| Census Tract | 970600 |
2628 Howard Rd is owned and occupied by an individual who bought it in June 2026.
Source: Emmet County records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 2628 HOWARD RD, PETOSKEY, MI 49770-9503 |
| 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.
| Date | Document |
|---|---|
| Jun 1, 2026 | Foreclosure Foreclosure Auction |
| Mar 5, 2026 | Foreclosure |
| Mar 3, 2026 | Foreclosure |
| Jan 15, 2018 | Deed of Trust, Mortgage · Line of Credit THE HUNTINGTON NATIONAL BANK |
| Jan 11, 2022 | Warranty Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE |
| Oct 10, 2019 | Quit Claim Deed, Transfer Quitclaim |
| Aug 7, 2019 | Warranty Deed, Transfer · ARM VISIO FINANCIAL SERVICES INC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 1, 2026 · Amount on File |
| Deed Sale | Jun 1, 2026 · Amount on File |
| Prior Sale | Mar 5, 2026 · Amount on File |
| Deed Document Number | 20265228449 |
| Deed Book / Page | 1275 / 400 |
| Record Updated | Oct 29, 2026 |
| Document Type | Foreclosure |
|---|---|
| Jurisdiction | EMMET MI |
| Recording Date | Jun 1, 2026 |
| Property Address | 2628 HOWARD RD, PETOSKEY, MI 49770-9503 |
| Document Number | 001275/400 |
| Book / Page | 1275 / 400 |
| Instrument Date | Jun 1, 2026 |
| Instrument | 20265228449 |
| Transaction Type | Foreclosure |
| Record Updated | Aug 29, 2026 |
| Amount | Amount on Record |
|---|---|
| Tax | $0.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 2628 HOWARD RD, PETOSKEY, MI 49770-9503 |
| Document Type | Foreclosure |
|---|---|
| Jurisdiction | EMMET MI |
| Recording Date | Mar 5, 2026 |
| Property Address | 2628 HOWARD RD, PETOSKEY, MI 49770-9503 |
| Document Number | 001273/714 |
| Book / Page | 1273 / 714 |
| Instrument Date | Mar 5, 2026 |
| Instrument | 5226764 |
| Transaction Type | Foreclosure |
| Record Updated | Mar 16, 2026 |
| Amount | Amount on Record |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Tax Sale |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 200 DIVISION ST, PETOSKEY, MI 49770-2486 |
| Document Type | Foreclosure |
|---|---|
| Jurisdiction | EMMET MI |
| Recording Date | Mar 3, 2026 |
| Property Address | 2628 HOWARD RD, PETOSKEY, MI 49770-9503 |
| Document Number | 001273/472 |
| Book / Page | 1273 / 472 |
| Instrument Date | Mar 3, 2026 |
| Instrument | 5226522 |
| Transaction Type | Foreclosure |
| Record Updated | Mar 16, 2026 |
| Amount | Amount on Record |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Tax Sale |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 200 DIVISION ST, PETOSKEY, MI 49770-2486 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | EMMET MI |
| Property Address | 2628 HOWARD RD, PETOSKEY, MI 49770-9503 |
| Transaction Type | Mortgage |
| Record Updated | Jun 13, 2023 |
| Name | Verified Name |
|---|
| Document Number | 01200/0681 |
|---|---|
| Date | Jan 15, 2018 |
| Book Page | 1200/0681 |
| Instrument | 5153580 |
| Name | THE HUNTINGTON NATIONAL BANK |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43231 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 359 Months |
| Due | Dec 14, 2047 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | EMMET MI |
| Recording Date | Jan 11, 2022 |
| Property Address | 2628 HOWARD RD, PETOSKEY, MI 49770-9503 |
| Document Number | 001240/712 |
| Book / Page | 1240 / 712 |
| Instrument Date | Jan 3, 2022 |
| Instrument | 5193687 |
| Transaction Type | Transfer |
| Record Updated | Feb 7, 2022 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 623 PETOSKEY AVE, CHARLEVOIX, MI 49720-1291 |
| Document Number | 0005193688 |
|---|---|
| Date | Jan 11, 2022 |
| Instrument | 5193688 |
| Name | ROCKET MORTGAGE |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jan 1, 2052 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | EMMET MI |
| Recording Date | Oct 10, 2019 |
| Property Address | 2628 HOWARD RD, PETOSKEY, MI 49770-9503 |
| Document Number | 1215/909 |
| Book / Page | 1215 / 909 |
| Instrument Date | Oct 8, 2019 |
| Instrument | 5168831 |
| Transaction Type | Transfer |
| Record Updated | Jun 22, 2021 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 706 KARAMOL CT, PETOSKEY, MI 49770-3237 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | EMMET MI |
| Recording Date | Aug 7, 2019 |
| Property Address | 2628 HOWARD RD, PETOSKEY, MI 49770-9503 |
| Document Number | 0001214/48 |
| Book / Page | 1214 / 48 |
| Instrument Date | Jul 31, 2019 |
| Instrument | 5166967 |
| Transaction Type | Transfer |
| Record Updated | Jun 13, 2023 |
| Title Company | TALON GROUP TITLE, TALON GROUP |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 12826 TERRACE HOLW, SAN ANTONIO, TX 78259-2214 |
| Document Number | 0001214/49 |
|---|---|
| Date | Aug 7, 2019 |
| Book Page | 1214/49 |
| Instrument | 5166968 |
| Name | VISIO FINANCIAL SERVICES INC |
|---|---|
| Type | Lending Institution |
| Type | ARM |
|---|---|
| Amount | Amount on Record |
| Term | 97 Months |
| Due | Sep 1, 2027 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.58% |
| Type Change Date | Sep 1, 2026 |
| Index | 1-Year LIBOR |
| Margin | 7 |
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 | $184,700 (+10.47%) Land $8,400 Building $176,300 | $369,400 (+10.47%) Land $16,800 Building $352,600 | |
| 2025 | $167,200 Land $6,800 Building $160,400 | $334,400 Land $13,600 Building $320,800 | |
| 2024 | $5,958.00 | ||
| 2023 | $132,300 Land $5,800 Building $126,500 | $264,600 Land $11,600 Building $253,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 2628 Howard Rd 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 risk around 2628 Howard Rd 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.
Source: FCC Broadband Data Collection, based on 56 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 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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