3256 Cliffs Dr, Petoskey, MI 49770 Property Records

Emmet County property record for 3256 Cliffs Dr, Petoskey, MI 49770

Property Summary

Property Type	Condominium
Owner	Company Name on Record
Tax Bill	$23,187 (2024)
Deeds & Mortgages	Sep 2023 Sale Mar 2022 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`52-18-02-365-178`

Property Details

APN / Parcel Number

Primary APN	`52-18-02-365-178`

Exterior

Architectural Style	Condo/Apartment

Location & Zoning

Street Address	3256 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 78 G-110, G-92. SECTION 2, T34N, R6W
Legal Range	06W
Legal Township	34N
Legal Section	02
Legal Subdivision	THE CLIFFS AT BAY HARBOR
Legal Unit	78
Jurisdiction	EMMET MI
Township / Civil Division	PETOSKEY
Census Block Group	1
Census Block	1025
Census Tract	970800

Owner

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	Company Name on Record
Mailing Address	156 MOORINGS PARK DR, R302, NAPLES, FL 34105-3229
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Sep 27, 2023	Warranty Deed, Transfer CROSSROADS TITLE
Mar 29, 2022	Quit Claim Deed, Transfer · Conventional Mortgage COMMERCIAL BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 27, 2023
Deed Sale	Sep 27, 2023
Prior Sale	Aug 26, 2008 · Amount on Record
Deed Document Number	20235208021
Deed Book / Page	1255 / 31
Prior Transfer Date	Mar 18, 2022
Prior Transfer Doc	001242/847
Record Updated	Sep 20, 2026

September 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EMMET MI
Recording Date	Sep 27, 2023
Property Address	3256 CLIFFS DR, PETOSKEY, MI 49770-8580
Document Number	0001255/31
Book / Page	1255 / 31
Instrument Date	Sep 22, 2023
Instrument	5208021
Transaction Type	Transfer
Record Updated	Oct 6, 2023
Title Company	CROSSROADS TITLE

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	156 MOORINGS PARK DR, NAPLES, FL 34105-3229

March 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	EMMET MI
Recording Date	Mar 29, 2022
Property Address	3256 CLIFFS DR, PETOSKEY, MI 49770-8580
Document Number	001242/847
Book / Page	1242 / 847
Instrument Date	Mar 18, 2022
Instrument	5195820
Transaction Type	Transfer
Record Updated	Apr 18, 2022

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	3398 THORNVILLE RD, DRYDEN, MI 48428-9612

Mortgage

Document Number	0005195821
Date	Mar 29, 2022
Instrument	5195821

Lender

Name	COMMERCIAL BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	178 Months
Due	Jan 1, 2037

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		$468,800 (+16.85%) Land $468,800	$937,600 (+16.85%) Land $937,600
2025		$401,200 (+27.61%) Land $401,200	$802,400 (+27.61%) Land $802,400
2024	$23,187.00
2023		$314,400 Land $314,400	$628,800 Land $628,800

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

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