3318 River Rd, Petoskey, MI 49770 Property Records

Emmet County property record for 3318 River Rd, Petoskey, MI 49770 · Last verified August 2026

Property Summary

Property Type	Single Family Home
Lot Size	1.05 acres (45,921 sqft)
Owner	Individual Name on File
Last Sale	$57,000 (Sep 2009)
Tax Bill	$1,228 (2024)
Deeds & Mortgages	Oct 2025 Mortgage May 2021 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`01-19-21-100-022`

Property Details

APN / Parcel Number

Primary APN	`01-19-21-100-022`

Exterior

Lot Area	45,921 sqft (1.05 acres)

Location & Zoning

Street Address	3318 RIVER RD
City	PETOSKEY
State	MI
Zip	49770-8856
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	COM 713.21 FT N OF W 1/4 COR, TH N56?13'51"E 368.96 FT FOR POB, TH CONT N56?13'51"E 200 FT TO SW'LY LN OF RIVER RD, TH ALG SD
Legal Range	05W
Legal Township	34N
Legal Section	21
Legal Subdivision	S21 T34N R5W
Jurisdiction	EMMET MI
Township / Civil Division	BEAR CREEK
Census Block Group	2
Census Block	2002
Census Tract	970600

Owner

Source: Emmet County records · APN 01-19-21-100-022

Assessment roll updated July 21, 2026 · Last verified August 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 File
Mailing Address	3318 RIVER RD, PETOSKEY, MI 49770-8856
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 20, 2025	Deed of Trust, Mortgage · Conventional Mortgage 4FRONT CREDIT UNION
May 06, 2021	Quit Claim Deed, Transfer Quitclaim
Jul 17, 2020	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Sep 08, 2009 · Amount on Record
Deed Sale	Sep 08, 2009 · Amount on Record
Prior Sale	Jul 29, 2008 · Amount on Record
Deed Book / Page	1116 / 752
Last Transfer Date	Jul 15, 2020
Transfer Doc	001223/187
Record Updated	Sep 20, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EMMET MI
Property Address	3318 RIVER RD, PETOSKEY, MI 49770-8856
Transaction Type	Mortgage
Record Updated	Nov 03, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3318 RIVER RD, PETOSKEY, MI 49770-8856

Mortgage

Document Number	0000001270/0000000701
Date	Oct 20, 2025
Book Page	0000001270/0000000701
Instrument	5223733

Lender

Name	4FRONT CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	264 Months
Due	Jan 01, 2047

May 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	EMMET MI
Recording Date	May 06, 2021
Property Address	3318 RIVER RD, PETOSKEY, MI 49770-8856
Document Number	001232/864
Book / Page	1232 / 864
Instrument Date	Mar 10, 2021
Instrument	5185829
Transaction Type	Transfer
Record Updated	Mar 09, 2023

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	3318 RIVER RD, PETOSKEY, MI 49770-8856

July 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	EMMET MI
Recording Date	Jul 17, 2020
Property Address	3318 RIVER RD, PETOSKEY, MI 49770-8856
Document Number	001223/187
Book / Page	1223 / 187
Instrument Date	Jul 15, 2020
Instrument	5176130
Transaction Type	Transfer
Record Updated	Mar 09, 2023

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	11262 W UTAH PL, LAKEWOOD, CO 80232-6153

Tax Assessment & Valuation

Source: Emmet County records · Assessment roll updated July 21, 2026 · Last verified August 2026

Property Jurisdictions

Type	Name
State	Michigan
County	Emmet County
County Subdivision	Bear Creek Township
Unified School District	Public Schools of Petoskey (KG - 12)

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$79,100 (+6.75%) Land $79,100	$158,200 (+6.75%) Land $158,200
2025		$74,100 (+30.69%) Land $74,100	$148,200 (+30.69%) Land $148,200
2024	$1,228.00
2023		$56,700 Land $56,700	$113,400 Land $113,400

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Emmet County (26047C), updated May 31, 2022 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No

Wildfire

Wildfire Risk	Low above 20% of the US · above 52% of Michigan
Wildfire Likelihood	About 1 in 10,000 per year
Exposure	Direct burnable vegetation at the parcel

Values are read at the parcel center point; lenders make the official flood determination.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 20 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Great Lakes Energy Connections	Fiber	1,000 / 1,000
Spectrum	Cable	1,000 / 35
Verizon	Fixed Wireless	300 / 20

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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