Emmet County property record for 3218 Howard Rd, Petoskey, MI 49770
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,972 sqft |
| Lot Size | 2 acres (87,120 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $2,102 (2024) |
| Deeds & Mortgages | Sep 2020 Mortgage Dec 2020 Transfer |
| Flood Zone | Zone X (minimal risk) |
| APN | 01-19-19-200-021 |
| Primary APN | 01-19-19-200-021 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Building Area | 1,972 sqft Living Area |
| 1st Floor Area | 1,972 sqft |
| Basement Area | 1,972 sqft |
| Unfinished Basement | 1,972 sqft |
| Lot Area | 87,120 sqft (2 acres) |
|---|---|
| Garage Area | 408 sqft |
| Heating System | Forced Air with A/C |
|---|
| Street Address | 3218 HOWARD RD |
|---|---|
| City | PETOSKEY |
| State | MI |
| Zip | 49770-9504 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | EC FF-1 |
| Legal Description | PT OF NE ? OF SECTION 19, COM AT NE COR OF SD SEC, TH S1?34?52?W 1145.46 FT ON E LN OF SD SEC TO POB, TH CONT S1?34?52?W 165 FT ON SD E LN TO S LN OF NE ? OF NE ? OF SD SEC, TH N88?55?12?W 528 FT ON SD S LN, TH N1?34?52?E 165 FT PAR WITH SD E SEC LN, |
| Jurisdiction | EMMET MI |
| Township / Civil Division | BEAR CREEK |
| Census Block Group | 2 |
| Census Block | 2009 |
| Census Tract | 970600 |
3218 Howard Rd is owned and occupied by two individuals who acquired it in December 2020.
Source: Emmet County records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 3218 HOWARD RD, PETOSKEY, MI 49770-9504 |
| 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 |
|---|---|
| Sep 3, 2020 | Deed of Trust, Mortgage · Conventional Mortgage 4FRONT CREDIT UNION |
| Dec 30, 2020 | Quit Claim Deed, Transfer Quitclaim |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | Dec 18, 2020 |
| Transfer Doc | 001228/545 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | EMMET MI |
| Property Address | 3218 HOWARD RD, PETOSKEY, MI 49770-9504 |
| Transaction Type | Mortgage |
| Record Updated | Dec 27, 2021 |
| Name | Verified Name |
|---|---|
| Address | 3218 HOWARD RD, PETOSKEY, MI 49770-9504 |
| Document Number | 0000001224/0000000654 |
|---|---|
| Date | Sep 3, 2020 |
| Book Page | 0000001224/0000000654 |
| Instrument | 5177600 |
| Name | 4FRONT CREDIT UNION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Jan 1, 2035 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | EMMET MI |
| Recording Date | Dec 30, 2020 |
| Property Address | 3218 HOWARD RD, PETOSKEY, MI 49770-9504 |
| Document Number | 001228/545 |
| Book / Page | 1228 / 545 |
| Instrument Date | Dec 18, 2020 |
| Instrument | 5181514 |
| Transaction Type | Transfer |
| Record Updated | Dec 27, 2021 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3218 HOWARD RD, PETOSKEY, MI 49770-9504 |
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 | $190,000 Land $190,000 | $380,000 Land $380,000 | |
| 2024 | $2,102.00 | ||
| 2023 | $123,700 Land $123,700 | $247,400 Land $247,400 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3218 Howard 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 3218 Howard 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 11 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 / 1,000 |
5G (outdoors only) and 4G LTE
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