Emmet County property record for 2943 Cedar Valley Rd, Petoskey, MI 49770
| Property Type | Rural Improved / Non-Residential |
|---|---|
| Details | 2.5 ba · 1,940 sqft · built 1900 |
| Lot Size | 27 acres (1,176,120 sqft) |
| Owner | 2 Company Names on File |
| Tax Bill | $3,887 (2024) |
| Deeds & Mortgages | Nov 2019 Mortgage Apr 2022 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 01-19-15-300-025 |
| Primary APN | 01-19-15-300-025 |
|---|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,940 sqft Total Area |
| 1st Floor Area | 1,940 sqft |
| Basement Area | 1,940 sqft |
| Unfinished Basement | 1,780 sqft |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Architectural Style | Other |
| Lot Area | 1,176,120 sqft (27 acres) |
| Garage Area | 1,520 sqft |
| Patio Area | 624 sqft |
| Shed | 1 Shed |
| Shed Area | 168 sqft |
| Heating System | Forced Air with A/C |
|---|
| Street Address | 2943 CEDAR VALLEY RD |
|---|---|
| City | PETOSKEY |
| State | MI |
| Zip | 49770-8824 |
| Property Category | Other |
| Property Type | Other > Rural Improved / Non-Residential |
| Local Zoning Code | EC FF-1 |
| Legal Description | SW 1/4 OF SW 1/4, EXC COM 966.89 FT E OF SW COR THEREOF, TH CONT E 360.01 FT, N ALG W 1/8 LN 1328.02 FT, W 361.14 FT, S TO POB, EXC RD ROW, SECTION 15, T34N, R5W. 27 AC M/L |
| Legal Range | 05W |
| Legal Township | 34N |
| Legal Section | 15 |
| Jurisdiction | EMMET MI |
| Township / Civil Division | BEAR CREEK |
| Census Block Group | 1 |
| Census Block | 1021 |
| Census Tract | 970600 |
2943 Cedar Valley Rd is owned by a company that acquired it in July 2017.
Source: Emmet County records, as of October 20, 2026
| Owner of Record | 2 Company Names on File |
|---|---|
| Mailing Address | 2943 CEDAR VALLEY RD, PETOSKEY, MI 49770-8824 |
| 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.
| Date | Document |
|---|---|
| Nov 11, 2019 | Deed of Trust, Mortgage PRIVATE MORTGAGE FUND |
| Apr 8, 2022 | Deed of Trust, Mortgage · Conventional Mortgage ST FRANCIS X FEDERAL CREDIT UNION |
| Nov 11, 2019 | Deed of Trust, Mortgage PRIVATE MORTGAGE FUND |
| Jul 26, 2017 | Intrafamily Transfer, Transfer |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | Jul 19, 2017 |
| Transfer Doc | 01196/0502 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | EMMET MI |
| Property Address | 2943 CEDAR VALLEY RD, PETOSKEY, MI 49770-8824 |
| Transaction Type | Mortgage |
| Record Updated | Jul 11, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0000001216/0000000801 |
|---|---|
| Date | Nov 11, 2019 |
| Book Page | 0000001216/0000000801 |
| Instrument | 5169722 |
| Name | PRIVATE MORTGAGE FUND |
|---|
| Amount | Amount on Record |
|---|---|
| Term | 350 Months |
| Due | Jan 1, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | EMMET MI |
| Property Address | 2943 CEDAR VALLEY RD, PETOSKEY, MI 49770-8824 |
| Transaction Type | Mortgage |
| Record Updated | Jul 11, 2023 |
| Name | Verified Name |
|---|---|
| Address | 2943 CEDAR VALLEY RD, PETOSKEY, MI 49770-8824 |
| Document Number | 0000001243/0000000104 |
|---|---|
| Date | Apr 8, 2022 |
| Book Page | 0000001243/0000000104 |
| Instrument | 5196076 |
| Name | ST FRANCIS X FEDERAL CREDIT UNION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jan 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | EMMET MI |
| Property Address | 2943 CEDAR VALLEY RD, PETOSKEY, MI 49770-8824 |
| Transaction Type | Mortgage |
| Record Updated | Feb 7, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000001216/0000000801 |
|---|---|
| Date | Nov 11, 2019 |
| Book Page | 0000001216/0000000801 |
| Instrument | 5169722 |
| Name | PRIVATE MORTGAGE FUND |
|---|
| Amount | Amount on Record |
|---|---|
| Term | 350 Months |
| Due | Jan 1, 2049 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | EMMET MI |
| Recording Date | Jul 26, 2017 |
| Property Address | 2943 CEDAR VALLEY RD, PETOSKEY, MI 49770-8824 |
| Document Number | 01196/0502 |
| Book / Page | 1196 / 0502 |
| Instrument Date | Jul 19, 2017 |
| Instrument | 5149378 |
| Transaction Type | Transfer |
| Record Updated | Jul 11, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
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 | $289,900 (+10.52%) Land $75,600 Building $214,300 | $579,800 (+10.52%) Land $151,200 Building $428,600 | |
| 2025 | $262,300 Land $70,200 Building $192,100 | $524,600 Land $140,400 Building $384,200 | |
| 2024 | $3,887.00 | ||
| 2023 | $170,000 Land $52,700 Building $117,300 | $340,000 Land $105,400 Building $234,600 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 2943 Cedar Valley 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 2943 Cedar Valley 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 22 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Fiber · Cable in parts of the area | 1,000 / 1,000 |
| Truestream Fiber | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
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