Emmet County property record for 2802 McDougal Rd, Petoskey, MI 49770
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,080 sqft |
| Lot Size | 8.01 acres (348,916 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $189,500 (Aug 2004) |
| Tax Bill | $2,900 (2024) |
| Deeds & Mortgages | Jul 2018 Mortgage Jun 2019 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 01-19-17-400-019 |
| Primary APN | 01-19-17-400-019 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 2,080 sqft Living Area |
| 1st Floor Area | 2,080 sqft |
| Lot Area | 348,916 sqft (8.01 acres) |
|---|---|
| Garage Area | 832 sqft |
| Heating System | Forced Air with A/C |
|---|
| Street Address | 2802 MCDOUGAL RD |
|---|---|
| City | PETOSKEY |
| State | MI |
| Zip | 49770-9597 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | EC FF-1 |
| Legal Description | COM AT SE COR OF SEC, TH N 370.98 FT FOR POB, TH CONT N 952.18 FT TO S 1/8 LN, TH N88?51'22'W 320.06 FT, S 378.07 FT, N88?51'22"W 77.01 FT, S 574.11 FT, S88?51'22"E 397.07 FT TO POB, SUBJ TO EASEMENT, EXC RD ROW, SECTION 17, T34N, R5W. |
| Legal Range | 05W |
| Legal Township | 34N |
| Legal Section | 17 |
| Legal Subdivision | WILSON ESTATES |
| Jurisdiction | EMMET MI |
| Township / Civil Division | BEAR CREEK |
| Census Block Group | 3 |
| Census Block | 3032 |
| Census Tract | 970700 |
2802 McDougal Rd is owned and occupied by two individuals who acquired it in February 2018.
Source: Emmet County records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 2802 MCDOUGAL RD, PETOSKEY, MI 49770-9597 |
| 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 |
|---|---|
| Jul 20, 2018 | Deed of Trust, Mortgage ST FRANCIS X FEDERAL CREDIT UNION |
| Jun 10, 2019 | Deed of Trust, Mortgage · Balloon Mortgage CITIZENS NATIONAL BANK |
| Feb 21, 2018 | Quit Claim Deed, Transfer Quitclaim |
| Jul 20, 2018 | Quit Claim Deed, Transfer Quitclaim |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 12, 2004 · Amount on File |
| Deed Sale | Aug 12, 2004 · Amount on File |
| Deed Book / Page | 1055 / 374 |
| Last Transfer Date | Feb 12, 2018 |
| Transfer Doc | 001205/164 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | EMMET MI |
| Property Address | 2802 MCDOUGAL RD, PETOSKEY, MI 49770-9597 |
| Transaction Type | Mortgage |
| Record Updated | Mar 9, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0000001205/0000000165 |
|---|---|
| Date | Jul 20, 2018 |
| Book Page | 0000001205/0000000165 |
| Instrument | 000005158060 |
| Name | ST FRANCIS X FEDERAL CREDIT UNION |
|---|---|
| Type | Credit Union |
| Amount | Amount on Record |
|---|---|
| Term | 234 Months |
| Due | Jan 1, 2038 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | EMMET MI |
| Property Address | 2802 MCDOUGAL RD, PETOSKEY, MI 49770-9597 |
| Transaction Type | Mortgage |
| Record Updated | Mar 9, 2023 |
| Name | Verified Name |
|---|
| Document Number | 001212/720 |
|---|---|
| Date | Jun 10, 2019 |
| Book Page | 1212/720 |
| Instrument | 5165640 |
| Name | CITIZENS NATIONAL BANK |
|---|---|
| Type | Bank |
| Type | Balloon Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 241 Months |
| Due | Jul 1, 2039 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | EMMET MI |
| Recording Date | Feb 21, 2018 |
| Property Address | 2802 MCDOUGAL RD, PETOSKEY, MI 49770-9597 |
| Document Number | 001201/442 |
| Book / Page | 1201 / 442 |
| Instrument Date | Feb 12, 2018 |
| Instrument | 000005154340 |
| Transaction Type | Transfer |
| Record Updated | Mar 9, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 5133 INDIAN GARDEN RD, PETOSKEY, MI 49770-9247 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | EMMET MI |
| Recording Date | Jul 20, 2018 |
| Property Address | 2802 MCDOUGAL RD, PETOSKEY, MI 49770-9597 |
| Document Number | 001205/164 |
| Book / Page | 1205 / 164 |
| Instrument Date | Feb 12, 2018 |
| Instrument | 000005158059 |
| Transaction Type | Transfer |
| Record Updated | Mar 9, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 5133 INDIAN GARDEN RD, PETOSKEY, MI 49770-9247 |
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 | $256,400 (+9.06%) Land $256,400 | $512,800 (+9.06%) Land $512,800 | |
| 2025 | $235,100 Land $235,100 | $470,200 Land $470,200 | |
| 2024 | $2,900.00 | ||
| 2023 | $182,000 Land $182,000 | $364,000 Land $364,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 2802 McDougal Rd in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2014.
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 | 1 in force |
| Nearby Flood Claims | 1 (2014) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Apr 2014 · rainfall accumulation |
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 2802 McDougal 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 20 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Truestream Fiber | 1,000 / 1,000 |
| Spectrum Cable | 1,000 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
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