3336 Cliffs Dr, Petoskey, MI 49770 Property Records

Emmet County property record for 3336 Cliffs Dr, Petoskey, MI 49770

Property Summary

Property Type	Condominium
Lot Size	0.02 acres (906 sqft)
Owner	2 Individual Names on Record
Tax Bill	$11,210 (2024)
Deeds & Mortgages	Oct 2025 Mortgage Oct 2025 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`52-18-02-365-164`

Property Details

APN / Parcel Number

Primary APN	`52-18-02-365-164`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Building Area	2,824 sqft Living Area
1st Floor Area	1,689 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Architectural Style	Condo/Apartment
Lot Area	906 sqft
Garage Area	1,041 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	3336 CLIFFS DR
City	PETOSKEY
State	MI
Zip	49770-8582
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 64, G-63 & G-64. SECTION 2, T34N, R6W
Legal Range	06W
Legal Township	34N
Legal Section	02
Legal Subdivision	CLIFFS AT BAY HARBOR CONDO
Legal Unit	64
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	952 BROOKWOOD ST, BIRMINGHAM, MI 48009-1102
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Oct 27, 2025	Deed of Trust, Mortgage · Conventional Mortgage MORGAN STANLEY PRIVATE BANK
Oct 27, 2025	Warranty Deed, Transfer · Conventional Mortgage MORGAN STANLEY PRIVATE BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 27, 2025
Deed Sale	Oct 27, 2025
Prior Sale	Aug 8, 2000 · Amount on Record
Deed Document Number	20255223867
Deed Book / Page	1270 / 835
Record Updated	Oct 29, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EMMET MI
Property Address	3336 CLIFFS DR, PETOSKEY, MI 49770-8582
Transaction Type	Mortgage
Record Updated	Nov 17, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	952 BROOKWOOD ST, BIRMINGHAM, MI 48009-1102

Mortgage

Document Number	0005223869
Date	Oct 27, 2025
Instrument	5223869

Lender

Name	MORGAN STANLEY PRIVATE BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	351 Months
Due	Jan 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	5.25%
Type Change Date	Nov 1, 2020

October 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EMMET MI
Recording Date	Oct 27, 2025
Property Address	3336 CLIFFS DR, PETOSKEY, MI 49770-8582
Document Number	001270/835
Book / Page	1270 / 835
Instrument Date	Sep 29, 2025
Instrument	5223867
Transaction Type	Transfer
Record Updated	Nov 10, 2025
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
Relationship	Living Trust
Address	952 BROOKWOOD ST, BIRMINGHAM, MI 48009-1102

Mortgage

Document Number	0005223869
Date	Oct 27, 2025
Instrument	5223869

Lender

Name	MORGAN STANLEY PRIVATE BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	351 Months
Due	Jan 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	5.25%
Type Change Date	Nov 1, 2020

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		$511,200 (+16.21%) Land $511,200	$1,022,400 (+16.21%) Land $1,022,400
2025		$439,900 (+29.76%) Land $439,900	$879,800 (+29.76%) Land $879,800
2024	$11,210.00
2023		$339,000 Land $339,000	$678,000 Land $678,000

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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