3017 Joy Ln, Petoskey, MI 49770 Property Records

Emmet County property record for 3017 Joy Ln, Petoskey, MI 49770

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 1,400 sqft · built 1990
Lot Size	2.14 acres (93,218 sqft)
Owner	Individual Name on Record
Last Sale	$250,000 (Nov 2020)
Tax Bill	$2,680 (2024)
Deeds & Mortgages	Nov 2020 Transfer Nov 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`14-20-20-200-004`

Property Details

APN / Parcel Number

Primary APN	`14-20-20-200-004`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Building Area	1,400 sqft Living Area
1st Floor Area	1,400 sqft
Basement Area	1,400 sqft
Unfinished Basement	1,446 sqft

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Architectural Style	Ranch
Lot Area	93,218 sqft (2.14 acres)
Garage Area	780 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	3017 JOY LN
City	PETOSKEY
State	MI
Zip	49770-8906
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	EC FF-2
Legal Description	PT OF NE 1/4 OF NE ? OF SECTION 20, COM AT NE COR OF SD SEC FOR POB, TH ALG E LN OF SD SEC, S00?03?02?W 200 FT, TH S88?58?37?W 433.78 FT TO E?LY R/O/W OF JOY RD, TH ALG SD R/O/W, N17?40?13?W 50 FT, TH CONT N06?19?50?W 148.72 FT TO S?LY R/O/W OF MAXWE
Legal Range	04W
Legal Township	34N
Legal Section	20
Jurisdiction	EMMET MI
Township / Civil Division	SPRINGVALE
Census Block Group	4
Census Block	4008
Census Tract	970500

Owner

Source: Emmet County records, as of October 20, 2026

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

Owner of Record	Individual Name on Record
Mailing Address	3017 JOY LN, PETOSKEY, MI 49770-8906
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 9, 2020	Quit Claim Deed, Transfer Quitclaim
Nov 9, 2020	Warranty Deed, Transfer · Conventional Mortgage AMERIFIRST FINANCIAL
Jun 27, 2017	Warranty Deed, Transfer TALON TITLE AGENCY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 9, 2020 · Amount on Record
Deed Sale	Nov 9, 2020 · Amount on Record
Prior Sale	Jun 27, 2017 · Amount on Record
Deed Document Number	20205179921
Deed Book / Page	1226 / 971
Prior Transfer Date	Nov 6, 2020
Prior Transfer Doc	1226/970
Record Updated	Oct 29, 2026

November 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	EMMET MI
Recording Date	Nov 9, 2020
Property Address	3017 JOY LN, PETOSKEY, MI 49770-8906
Document Number	1226/970
Book / Page	1226 / 970
Instrument Date	Nov 6, 2020
Instrument	5179920
Transaction Type	Transfer
Record Updated	Jun 22, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3017 JOY LN, PETOSKEY, MI 49770-8906
Investor	Possibly a Property Investor

November 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EMMET MI
Recording Date	Nov 9, 2020
Property Address	3017 JOY LN, PETOSKEY, MI 49770-8906
Document Number	1226/971
Book / Page	1226 / 971
Instrument Date	Nov 5, 2020
Instrument	5179921
Transaction Type	Transfer
Record Updated	Jun 22, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV 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	3017 JOY LN, PETOSKEY, MI 49770-8906

Mortgage

Document Number	0000001226/0000000972
Date	Nov 9, 2020
Book Page	0000001226/0000000972
Instrument	5179922

Lender

Name	AMERIFIRST FINANCIAL

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2050

June 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EMMET MI
Recording Date	Jun 27, 2017
Property Address	3017 JOY LN, PETOSKEY, MI 49770-8906
Document Number	1195/0854
Book / Page	1195 / 0854
Instrument Date	Jun 26, 2017
Instrument	5148729
Transaction Type	Transfer
Record Updated	Jun 22, 2021
Title Company	TALON TITLE AGENCY

Transaction

Amount	Amount Recorded
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	1538 BELLMER RD, PETOSKEY, MI 49770-8911
Investor	Possibly a Property Investor

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$211,000 (+6.3%) Land $9,200 Building $201,800	$422,000 (+6.3%) Land $18,400 Building $403,600
2025		$198,500 (+29.4%) Land $8,500 Building $190,000	$397,000 (+29.4%) Land $17,000 Building $380,000
2024	$2,680.00
2023		$153,400 Land $6,100 Building $147,300	$306,800 Land $12,200 Building $294,600

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

Flood

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

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 6 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

Cell Coverage

5G (outdoors only) and 4G LTE

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