310 Howard St, Petoskey, MI 49770 Property Records

Emmet County property record for 310 Howard St, Petoskey, MI 49770

Property Summary

Property Type	Commercial
Details	4,968 sqft · built 1903
Lot Size	0.058 acres (2,531 sqft)
Owner	Company Name on File
Last Sale	$350,000 (Jul 2016)
Tax Bill	$12,334 (2024)
Deeds & Mortgages	Dec 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`52-19-06-226-031`

Property Details

APN / Parcel Number

Primary APN	`52-19-06-226-031`

Interior

Building Area	4,968 sqft Building Perimeter

Exterior

Year Built	Built 1903
Effective Year Built	Effective 1903
Fire Resistance	Fireproof Steel Frame
Lot Area	2,531 sqft (0.058 acres)

Location & Zoning

Street Address	310 HOWARD ST
City	PETOSKEY
State	MI
Zip	49770-2414
Property Category	Commercial
Property Type	Commercial > Retail
Local Zoning Code	COP B-2
Legal Description	SHAW & MC MILLAN'S ADDITION S 50 FT OF LOT 1 BLK 8 SECTION 6, T34N, R5W
Legal Range	05W
Legal Township	34N
Legal Section	06
Legal Subdivision	SHAW & MCMILLANS ADD
Legal Block	8
Legal Lot Number	1
Jurisdiction	EMMET MI
Township / Civil Division	PETOSKEY
Census Block Group	2
Census Block	2007
Census Tract	970700

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Petoskey Downtown Historic District (Additional Documentation) listed 1986 · 88 contributing resources · NRIS 86002048

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

310 Howard St, a commercial property, is owned by a company that bought it in July 2016.

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

Owner of Record	Company Name on File
Mailing Address	PO BOX 676, PETOSKEY, MI 49770-0676
Owner Type	Company
Vesting	Company

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

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 5, 2016 · Amount on File
Deed Sale	Jul 5, 2016 · Amount on File
Prior Sale	Oct 1, 1991
Deed Document Number	20165139372
Deed Book / Page	1186 / 516
Record Updated	Oct 29, 2026

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EMMET MI
Property Address	310 HOWARD ST, PETOSKEY, MI 49770-2414
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	310 HOWARD ST, PETOSKEY, MI 49770-2414

Mortgage

Document Number	0000001217/0000000901
Date	Dec 26, 2019
Book Page	0000001217/0000000901
Instrument	5170822

Lender

Name	STANDARD INSURANCE

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

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		$398,800 Land $398,800	$797,600 Land $797,600
2024	$12,334.00
2023		$334,800 Land $334,800	$669,600 Land $669,600

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

Flood

FEMA maps place 310 Howard St 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

Wildfire risk around 310 Howard St 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	None beyond 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 508 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

May also be available: AT&T.

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