309 Monroe St, Petoskey, MI 49770 Property Records

Emmet County property record for 309 Monroe St, Petoskey, MI 49770

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 2,358 sqft
Lot Size	0.158 acres (6,881 sqft)
Owner	2 Individual Names on Record
Tax Bill	$2,969 (2024)
Deeds & Mortgages	Mar 2026 Mortgage May 2024 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`52-19-06-127-105`

Property Details

APN / Parcel Number

Primary APN	`52-19-06-127-105`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Building Area	2,358 sqft Living Area
1st Floor Area	1,298 sqft
Basement Area	1,060 sqft
Unfinished Basement	1,060 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Lot Area	6,881 sqft (0.158 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	309 MONROE ST
City	PETOSKEY
State	MI
Zip	49770-2329
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	COP RM-2
Legal Description	EMMET CITY LOT 3 BLK 9. SECTION 6, T34N, R5W
Legal Range	05W
Legal Township	34N
Legal Section	06
Legal Subdivision	EMMET CITY
Legal Block	9
Legal Lot Number	3
Jurisdiction	EMMET MI
Township / Civil Division	PETOSKEY
Census Block Group	1
Census Block	1022
Census Tract	970800

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	309 MONROE ST, PETOSKEY, MI 49770-2329
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 25, 2026	Deed of Trust, Mortgage · Conventional Mortgage MERCANTILE BANK
May 7, 2024	Warranty Deed, Transfer · Conventional Mortgage ARCH MORTGAGE NORTH
Nov 17, 2021	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE
Oct 1, 2018	Deed of Trust, Mortgage QUICKEN LOAN INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 7, 2024
Deed Sale	May 7, 2024
Prior Sale	May 17, 2013 · Amount on Record
Deed Document Number	20245212489
Deed Book / Page	1259 / 478
Prior Transfer Date	May 2, 2014
Prior Transfer Doc	0005119216
Record Updated	Oct 29, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EMMET MI
Property Address	309 MONROE ST, PETOSKEY, MI 49770-2329
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	309 MONROE ST, PETOSKEY, MI 49770-2329

Mortgage

Document Number	0000001274/0000000113
Date	Mar 25, 2026
Book Page	0000001274/0000000113
Instrument	5227162

Lender

Name	MERCANTILE BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2056

May 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EMMET MI
Recording Date	May 7, 2024
Property Address	309 MONROE ST, PETOSKEY, MI 49770-2329
Document Number	001259/478
Book / Page	1259 / 478
Instrument Date	May 3, 2024
Instrument	5212489
Transaction Type	Transfer
Record Updated	May 17, 2024

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	545 ANDRADE DR, GAYLORD, MI 49735-8694

Mortgage

Document Number	0005212490
Date	May 7, 2024
Instrument	5212490

Lender

Name	ARCH MORTGAGE NORTH

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	356 Months
Due	Jan 1, 2054

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EMMET MI
Property Address	309 MONROE ST, PETOSKEY, MI 49770-2329
Transaction Type	Mortgage
Record Updated	Dec 6, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	309 MONROE ST, PETOSKEY, MI 49770-2329

Mortgage

Document Number	0000001239/0000000144
Date	Nov 17, 2021
Book Page	0000001239/0000000144
Instrument	5192105

Lender

Name	ROCKET MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2051

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EMMET MI
Property Address	309 MONROE ST, PETOSKEY, MI 49770-2329
Transaction Type	Mortgage
Record Updated	Oct 24, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000001206/0000000902
Date	Oct 1, 2018
Book Page	0000001206/0000000902
Instrument	000005159796

Lender

Name	QUICKEN LOAN INC
Type	Lending Institution

Agreement

Amount	Amount Recorded
Term	351 Months
Due	Jan 1, 2048

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Michigan
County	Emmet County
Municipality	Petoskey City
Unified School District	Public Schools of Petoskey (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$276,600 (+18.92%) Land $276,600	$553,200 (+18.92%) Land $553,200
2025		$232,600 (+50.75%) Land $232,600	$465,200 (+50.75%) Land $465,200
2024	$2,969.00
2023		$154,300 Land $154,300	$308,600 Land $308,600

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 · 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
Flood Insurance Cost	Premium on Record median of 13 policies
Nearby Flood Policies	13 in force

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CITY OF PETOSKEY serves 8,979 people · EPA ID MI0005300
Water Source	Groundwater
Last State Inspection	Aug 2023
Lead	2 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 240 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30

May also be available: AT&T.

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