Emmet County property record for 3132 Cedar Valley Rd, Petoskey, MI 49770
| Property Type | Single Family Home |
|---|---|
| Details | 1.5 ba · 1,380 sqft |
| Lot Size | 5.32 acres (231,739 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $1,597 (2024) |
| Deeds & Mortgages | Jun 2021 Mortgage Jul 2019 Refinance |
| Flood Zone | Zone X (minimal risk) |
| APN | 01-19-22-100-027 |
| Primary APN | 01-19-22-100-027 |
|---|
| Full Baths | 1.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Building Area | 1,380 sqft Living Area |
| 1st Floor Area | 1,380 sqft |
| Basement Area | 1,380 sqft |
| Unfinished Basement | 1,380 sqft |
| Lot Area | 231,739 sqft (5.32 acres) |
|---|---|
| Garage Area | 720 sqft |
| Heating System | Forced Air with A/C |
|---|
| Street Address | 3132 CEDAR VALLEY RD |
|---|---|
| City | PETOSKEY |
| State | MI |
| Zip | 49770-9526 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | EC FF-1 |
| Legal Description | COM 781.9 FT E OF NW COR OF SEC FOR POB, TH S 825.55 FT, TH E 545.06 FT, TH N 825.55 FT, W 545.06 FT TO POB, EXC N 400 FT THEREOF, 5.32 AC M/L, SECTION 22, T34N, R5W. |
| Legal Range | 05W |
| Legal Township | 34N |
| Legal Section | 22 |
| Legal Subdivision | S22 T34N R5W |
| Jurisdiction | EMMET MI |
| Township / Civil Division | BEAR CREEK |
| Census Block Group | 1 |
| Census Block | 1027 |
| Census Tract | 970600 |
3132 Cedar Valley Rd is owned and occupied by two individuals who acquired it in September 2007.
Source: Emmet County records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 3132 CEDAR VALLEY RD, PETOSKEY, MI 49770-9526 |
| 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 |
|---|---|
| Jun 30, 2021 | Deed of Trust, Mortgage · Conventional Mortgage ST FRANCIS X FEDERAL CREDIT UNION |
| Jul 5, 2019 | Deed of Trust, Mortgage · Stand-Alone Refinance ST FRANCIS X FEDERAL CREDIT UNION |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | Sep 11, 2007 |
| Transfer Doc | 1095/151 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | EMMET MI |
| Property Address | 3132 CEDAR VALLEY RD, PETOSKEY, MI 49770-9526 |
| Transaction Type | Mortgage |
| Record Updated | Jul 27, 2021 |
| Name | Verified Name |
|---|---|
| Address | 3132 CEDAR VALLEY RD, PETOSKEY, MI 49770-9526 |
| Document Number | 0000001234/0000000682 |
|---|---|
| Date | Jun 30, 2021 |
| Book Page | 0000001234/0000000682 |
| Instrument | 5187646 |
| Name | ST FRANCIS X FEDERAL CREDIT UNION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jan 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | EMMET MI |
| Property Address | 3132 CEDAR VALLEY RD, PETOSKEY, MI 49770-9526 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 1213/281 |
|---|---|
| Date | Jul 5, 2019 |
| Book Page | 1213/281 |
| Instrument | 5166201 |
| Name | ST FRANCIS X FEDERAL CREDIT UNION |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 13 Months |
| Due | Aug 1, 2020 |
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 | $139,700 Land $139,700 | $279,400 Land $279,400 | |
| 2024 | $1,597.00 | ||
| 2023 | $95,800 Land $95,800 | $191,600 Land $191,600 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3132 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 3132 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 23 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Truestream Fiber | 1,000 / 1,000 |
| Spectrum Fiber · Cable in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
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