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314 Howard St, Petoskey, MI 49770 Property Records

Emmet County property record for 314 Howard St, Petoskey, MI 49770

Property Summary

Property TypeCommercial
Details9,832 sqft · built 1912
Lot Size0.105 acres (4,579 sqft)
OwnerCompany Name on Record
Tax Bill$26,302 (2024)
Deeds & MortgagesNov 2023 Mortgage
Nov 2020 Mortgage
Flood ZoneZone X (minimal risk)
APN52-19-06-226-037

Property Details

APN / Parcel Number

Primary APN52-19-06-226-037

Interior

Building Area9,832 sqft Building Perimeter

Exterior

Year BuiltBuilt 1912
Effective Year BuiltEffective 1912
Fire ResistanceFireproof Steel Frame
Lot Area4,579 sqft (0.105 acres)

Location & Zoning

Street Address314 HOWARD ST
CityPETOSKEY
StateMI
Zip49770-2414
Property CategoryCommercial
Property TypeCommercial > Retail
Local Zoning CodeCOP B-2
Legal DescriptionSHAW & MC MILLAN'S ADDITION N 50 FT OF LOTS 13 & 14 BLK 8 SECTION 6, T34N, R5W
Legal Range05W
Legal Township34N
Legal Section06
Legal SubdivisionSHAW & MCMILLANS ADD
Legal Block8
Legal Lot Number13-14
JurisdictionEMMET MI
Township / Civil DivisionPETOSKEY
Census Block Group2
Census Block2007
Census Tract970700

Historic Designation

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

Historic DistrictWithin 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

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 RecordCompany Name on Record
Mailing Address314 HOWARD ST, 201, PETOSKEY, MI 49770-2414
Owner TypeCompany
VestingCompany

Deeds, Mortgages & Sale History

DateDocument
Nov 3, 2023Deed of Trust, Mortgage · Commercial Mortgage
HONOR BANK
Nov 4, 2020Warranty Deed, Transfer · Conventional Mortgage
MANTHEI CORA B TRUST

Assessor's Deed Record

Deed NamesName on Deed
Record UpdatedOct 29, 2026

November 2023: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionEMMET MI
Property Address314 HOWARD ST, PETOSKEY, MI 49770-2414
Transaction TypeMortgage
Record UpdatedNov 10, 2023

Transferred To (Grantee/Buyer)

NameVerified Name
Address314 HOWARD ST, PETOSKEY, MI 49770-2414

Mortgage

Document Number0000001255/0000000885
DateNov 3, 2023
Book Page0000001255/0000000885
Instrument5208875
Lender
NameHONOR BANK
Agreement
TypeCommercial Mortgage
AmountAmount Recorded

November 2020: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionEMMET MI
Recording DateNov 4, 2020
Property Address314 HOWARD ST, PETOSKEY, MI 49770-2414
Document Number1226/820
Book / Page1226 / 820
Instrument DateNov 2, 2020
Instrument5179770
Transaction TypeTransfer
Record UpdatedJun 22, 2021

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address430 E LAKE ST, PETOSKEY, MI 49770-2439

Mortgage

Document Number5179771
DateNov 4, 2020
Instrument5179771
Lender
NameMANTHEI CORA B TRUST
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term26 Months
DueJan 1, 2023

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateMichigan
CountyEmmet County
MunicipalityPetoskey City
Unified School DistrictPublic Schools of Petoskey (KG - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$563,600 (+22.92%) Land $563,600$1,127,200 (+22.92%) Land $1,127,200
2024$26,302.00
2023$458,500 Land $458,500$917,000 Land $917,000

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 ZoneZone X
minimal risk
Flood Insurance RequirementNot 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 RiskLow
lower than 80% of the US · above 51% of Michigan
Wildfire Likelihood0.01% annual chance
ExposureNone
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 SystemCITY OF PETOSKEY
serves 8,979 people · EPA ID MI0005300
Water SourceGroundwater
Last State InspectionAug 2023
Lead2 ppb (2022–2024)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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

ProviderMax 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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