314 Summit St, Petoskey, MI 49770 Property Records

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

Property Summary

Property Type	Single Family Home
Lot Size	0.107 acres (4,662 sqft)
Owner	2 Individual Names on File
Last Sale	$169,000 (Aug 2006)
Tax Bill	$3,306 (2024)
Deeds & Mortgages	Jan 2018 Mortgage Jan 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`52-19-05-126-063`

Property Details

APN / Parcel Number

Primary APN	`52-19-05-126-063`

Exterior

Lot Area	4,662 sqft (0.107 acres)

Location & Zoning

Street Address	314 SUMMIT ST
City	PETOSKEY
State	MI
Zip	49770-2542
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	COP R-2
Legal Description	SHAW & MCMILLAN'S 3RD ADD. THE N 45' OF LOTS 10 & 11 BLK 4 SECTION 5, T34N, R5W
Legal Range	05W
Legal Township	34N
Legal Section	05
Legal Subdivision	SHAW & MCMILLANS 3RD ADD
Legal Block	4
Legal Lot Number	10-11
Jurisdiction	EMMET MI
Township / Civil Division	PETOSKEY
Census Block Group	2
Census Block	2002
Census Tract	970700

Historic Designation

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

Historic District	Within the East Mitchell Street Historic District listed 1986 · 284 contributing resources · NRIS 86001983

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

Owner

Source: Emmet County assessment roll, as of July 21, 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 File
Mailing Address	10 LAKEVIEW DR, MULBERRY, FL 33860-9393
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 4, 2018	Deed of Trust, Mortgage ST FRANCIS X FCU
Jan 9, 2020	Deed of Trust, Mortgage · Conventional Mortgage ST FRANCIS X FEDERAL CREDIT UNION

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Aug 4, 2006 · Amount on Record
Deed Sale	Aug 4, 2006 · Amount on Record
Prior Sale	Jul 23, 2003 · Amount on Record
Deed Book / Page	1082 / 221
Record Updated	Sep 20, 2026

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EMMET MI
Property Address	314 SUMMIT ST, PETOSKEY, MI 49770-2542
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1200/0497
Date	Jan 4, 2018
Book Page	1200/0497
Instrument	5153396

Lender

Name	ST FRANCIS X FCU
Type	Credit Union
Address	PETOSKEY, MI 49770

Agreement

Amount	Amount Recorded
Term	117 Months
Due	Oct 3, 2027

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EMMET MI
Property Address	314 SUMMIT ST, PETOSKEY, MI 49770-2542
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	314 SUMMIT ST, PETOSKEY, MI 49770-2542

Mortgage

Document Number	0000001218/0000000287
Date	Jan 9, 2020
Book Page	0000001218/0000000287
Instrument	5171231

Lender

Name	ST FRANCIS X FEDERAL CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Jan 1, 2030

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		$163,500 (+58.89%) Land $163,500	$327,000 (+58.89%) Land $327,000
2024	$3,306.00
2023		$102,900 Land $102,900	$205,800 Land $205,800

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	None beyond ember reach

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 416 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: AT&T.

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