Emmet County property record for 3160 River Rd, Petoskey, MI 49770
| Property Type | Single Family Home |
|---|---|
| Lot Size | 2.8 acres (121,968 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $3,405 (2024) |
| Deeds & Mortgages | Sep 2023 Mortgage Feb 2019 Refinance + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 01-19-20-200-026 |
| Primary APN | 01-19-20-200-026 |
|---|
| Lot Area | 121,968 sqft (2.8 acres) |
|---|
| Street Address | 3160 RIVER RD |
|---|---|
| City | PETOSKEY |
| State | MI |
| Zip | 49770-8856 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | EC FF-1 |
| Legal Description | COM 1327.77 FT N OF E 1/4 COR FOR POB, TH ALG N 1/16 LN N-87-57-8-W 550 FT, TH N 130 FT, N-72-52-33-E 578.45 FT TO E SEC LN |
| Legal Range | 05W |
| Legal Township | 34N |
| Legal Section | 20 |
| Jurisdiction | EMMET MI |
| Township / Civil Division | BEAR CREEK |
| Census Block Group | 2 |
| Census Block | 2002 |
| Census Tract | 970600 |
Source: Emmet County records, 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 | Individual Name on Record |
|---|---|
| Mailing Address | 3160 RIVER RD, PETOSKEY, MI 49770-8856 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 26, 2023 | Deed of Trust, Mortgage · Conventional Mortgage ST FRANCIS X FEDERAL CREDIT UNION |
| Feb 11, 2019 | Deed of Trust, Mortgage · Stand-Alone Refinance CHEMICAL BANK |
| Feb 11, 2019 | Deed of Trust, Mortgage · Stand-Alone Refinance CHEMICAL BANK |
| Nov 18, 2020 | Deed of Trust, Mortgage · Conventional Mortgage TCF NATIONAL BANK |
| Feb 11, 2019 | Quit Claim Deed, Transfer · Stand-Alone Refinance CHEMICAL BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 1, 2006 |
| Deed Sale | Sep 1, 2006 |
| Prior Sale | Jul 5, 2002 · Amount on Record |
| Deed Book / Page | 1082 / 902 |
| Last Transfer Date | Feb 5, 2019 |
| Transfer Doc | 1209/873 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | EMMET MI |
| Property Address | 3160 RIVER RD, PETOSKEY, MI 49770-8856 |
| Transaction Type | Mortgage |
| Record Updated | Oct 6, 2023 |
| Name | Verified Name |
|---|---|
| Address | 3160 RIVER RD, PETOSKEY, MI 49770-8856 |
| Document Number | 0000001254/0000000998 |
|---|---|
| Date | Sep 26, 2023 |
| Book Page | 0000001254/0000000998 |
| Instrument | 5207989 |
| Name | ST FRANCIS X FEDERAL CREDIT UNION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 1, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | EMMET MI |
| Property Address | 3160 RIVER RD, PETOSKEY, MI 49770-8856 |
| Transaction Type | Mortgage |
| Record Updated | Jun 14, 2023 |
| Name | Verified Name |
|---|
| Document Number | 001209/874 |
|---|---|
| Date | Feb 11, 2019 |
| Book Page | 1209/874 |
| Instrument | 5162791 |
| Name | CHEMICAL BANK |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 1, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | EMMET MI |
| Property Address | 3160 RIVER RD, PETOSKEY, MI 49770-8856 |
| Transaction Type | Mortgage |
| Record Updated | Feb 7, 2021 |
| Name | Verified Name |
|---|
| Document Number | 1209/874 |
|---|---|
| Date | Feb 11, 2019 |
| Book Page | 1209/874 |
| Instrument | 5162791 |
| Name | CHEMICAL BANK |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 1, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | EMMET MI |
| Property Address | 3160 RIVER RD, PETOSKEY, MI 49770-8856 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|---|
| Address | 3160 RIVER RD, PETOSKEY, MI 49770-8856 |
| Document Number | 0000001227/0000000248 |
|---|---|
| Date | Nov 18, 2020 |
| Book Page | 0000001227/0000000248 |
| Instrument | 5180197 |
| Name | TCF NATIONAL BANK |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 1, 2050 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | EMMET MI |
| Recording Date | Feb 11, 2019 |
| Property Address | 3160 RIVER RD, PETOSKEY, MI 49770-8856 |
| Document Number | 1209/873 |
| Book / Page | 1209 / 873 |
| Instrument Date | Feb 5, 2019 |
| Instrument | 5162790 |
| Transaction Type | Transfer |
| Record Updated | Jun 22, 2021 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3160 RIVER RD, PETOSKEY, MI 49770-8856 |
| Document Number | 1209/874 |
|---|---|
| Date | Feb 11, 2019 |
| Book Page | 1209/874 |
| Instrument | 5162791 |
| Name | CHEMICAL BANK |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 1, 2049 |
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 | $289,600 (+8.95%) Land $289,600 | $579,200 (+8.95%) Land $579,200 | |
| 2025 | $265,800 (+30.04%) Land $265,800 | $531,600 (+30.04%) Land $531,600 | |
| 2024 | $3,405.00 | ||
| 2023 | $204,400 Land $204,400 | $408,800 Land $408,800 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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 20 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Truestream Fiber | 1,000 / 1,000 |
| Spectrum Cable | 1,000 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
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