3204 Cliffs Dr, Petoskey, MI 49770 Property Records

Emmet County property record for 3204 Cliffs Dr, Petoskey, MI 49770

Property Summary

Property Type	Condominium
Lot Size	0.026 acres (1,147 sqft)
Owner	2 Individual Names on Record
Tax Bill	$9,143 (2024)
Deeds & Mortgages	Apr 2026 Sale Apr 2026 Sale + 2 more
Flood Zone	Zone X (minimal risk)
APN	`52-18-02-365-192`

Property Details

APN / Parcel Number

Primary APN	`52-18-02-365-192`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Building Area	2,022 sqft Living Area
1st Floor Area	1,664 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Architectural Style	Condo/Apartment
Lot Area	1,147 sqft
Garage Area	681 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	3204 CLIFFS DR
City	PETOSKEY
State	MI
Zip	49770-8580
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	RT PUD-2
Legal Description	CLIFFS AT BAY HARBOR, THE, CONDO #143, UNIT 92 G-85. SECTION 2, T34N, R6W
Legal Range	06W
Legal Township	34N
Legal Section	02
Legal Subdivision	THE CLIFFS AT BAY HARBOR
Legal Unit	92
Jurisdiction	EMMET MI
Township / Civil Division	PETOSKEY
Census Block Group	1
Census Block	1025
Census Tract	970800

Owner

Source: Emmet County records, as of October 20, 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 Record
Mailing Address	8896 QUAIL CIR, PLYMOUTH, MI 48170-7201
Owner Type	Individual
Vesting	Married Couple

Deeds, Mortgages & Sale History

Date	Document
Apr 2, 2026	Warranty Deed, Transfer
Apr 2, 2026	Warranty Deed, Transfer CROSSROADS TITLE
May 8, 2020	Quit Claim Deed, Transfer Quitclaim
Aug 20, 2019	Quit Claim Deed, Transfer ATTORNEY'S TITLE, ATTORNEYS TITLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 2, 2026
Deed Sale	Apr 2, 2026
Prior Sale	Feb 25, 1999 · Amount on Record
Deed Document Number	20265227347
Deed Book / Page	1274 / 298
Prior Transfer Date	Apr 22, 2020
Prior Transfer Doc	1221/332
Record Updated	Oct 29, 2026

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EMMET MI
Recording Date	Apr 2, 2026
Property Address	3204 CLIFFS DR, PETOSKEY, MI 49770-8580
Document Number	0005227347
Book / Page	1274 / 298
Instrument Date	Mar 20, 2026
Instrument	20265227347
Transaction Type	Transfer
Record Updated	Apr 14, 2026

Transaction

Tax	$0.00
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8896 QUAIL CIR, PLYMOUTH, MI 48170-7201

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EMMET MI
Recording Date	Apr 2, 2026
Property Address	3204 CLIFFS DR, PETOSKEY, MI 49770-8580
Document Number	001274/298
Book / Page	1274 / 298
Instrument Date	Mar 20, 2026
Instrument	20265227347
Transaction Type	Transfer
Record Updated	Jul 12, 2026
Title Company	CROSSROADS TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8896 QUAIL CIR, PLYMOUTH, MI 48170-7201

May 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	EMMET MI
Recording Date	May 8, 2020
Property Address	3204 CLIFFS DR, PETOSKEY, MI 49770-8580
Document Number	1221/332
Book / Page	1221 / 332
Instrument Date	Apr 22, 2020
Instrument	5174275
Transaction Type	Transfer
Record Updated	Jun 22, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16048 PINE BLUFF CT, FENTON, MI 48430-9166

August 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	EMMET MI
Recording Date	Aug 20, 2019
Property Address	3204 CLIFFS DR, PETOSKEY, MI 49770-8580
Document Number	1214/406
Book / Page	1214 / 406
Instrument	5167325
Transaction Type	Transfer
Record Updated	Jun 22, 2021
Title Company	ATTORNEY'S TITLE, ATTORNEYS TITLE

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16048 PINE BLUFF CT, FENTON, MI 48430-9166

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		$371,100 (+15.9%) Land $371,100	$742,200 (+15.9%) Land $742,200
2025		$320,200 (+22.03%) Land $320,200	$640,400 (+22.03%) Land $640,400
2024	$9,143.00
2023		$262,400 Land $262,400	$524,800 Land $524,800

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 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 13 policies
Nearby Flood Policies	13 in force

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; 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	Indirect within ember reach
Adjoins Burnable Land	Yes

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 34 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 / 50
Starlink Satellite	280 / 30

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Cliffs Dr

Nearby Streets

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