3398 River Rd, Petoskey, MI 49770 Property Records

Emmet County property record for 3398 River Rd, Petoskey, MI 49770 · Last verified July 2026

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,680 sqft
Lot Size	2.42 acres (105,415 sqft)
Owner	2 Individual Names on File
Last Sale	$186,000 (Dec 2019)
Tax Bill	$2,640 (2024)
Deeds & Mortgages	Dec 2025 Transfer Dec 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`01-19-21-100-014`

Property Details

APN / Parcel Number

Primary APN	`01-19-21-100-014`

Interior

Full Baths	1 Bath
Building Area	1,680 sqft Living Area
1st Floor Area	1,680 sqft

Exterior

Architectural Style	Ranch
Lot Area	105,415 sqft (2.42 acres)
Garage Area	960 sqft

Location & Zoning

Street Address	3398 RIVER RD
City	PETOSKEY
State	MI
Zip	49770-8856
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PT OF SW ? OF NW ? OF SECTION 21, COM AT W ? COR OF SD SEC, TH E 634.73 FT TO POB, TH N16?17?50?W 184.10 FT, TH CONT
Legal Range	05W
Legal Township	34N
Legal Section	21
Jurisdiction	EMMET MI
Township / Civil Division	BEAR CREEK
Census Block Group	2
Census Block	2002
Census Tract	970600

Owner

Source: Emmet County records · APN 01-19-21-100-014

Assessment roll updated July 21, 2026 · Last verified July 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 File
Mailing Address	3398 RIVER RD, PETOSKEY, MI 49770-8856
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Dec 02, 2025	Quit Claim Deed, Transfer Quitclaim
Dec 17, 2019	Deed, Transfer · Conventional Mortgage ROSS MORTGAGE

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Dec 17, 2019 · Amount on Record
Deed Sale	Dec 17, 2019 · Amount on Record
Deed Document Number	20195170668
Deed Book / Page	1217 / 747
Last Transfer Date	Dec 02, 2025
Transfer Doc	001271/647
Record Updated	Sep 20, 2026

December 2025: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	EMMET MI
Recording Date	Dec 02, 2025
Property Address	3398 RIVER RD, PETOSKEY, MI 49770-8856
Document Number	001271/647
Book / Page	1271 / 647
Instrument Date	Dec 02, 2025
Instrument	5224683
Transaction Type	Transfer
Record Updated	Dec 15, 2025

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	11610 STECKERT BRIDGE RD, ROSCOMMON, MI 48653-9127

December 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	EMMET MI
Recording Date	Dec 17, 2019
Property Address	3398 RIVER RD, PETOSKEY, MI 49770-8856
Document Number	1217/747
Book / Page	1217 / 747
Instrument Date	Nov 27, 2019
Instrument	5170668
Transaction Type	Transfer
Record Updated	Jun 22, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11610 STECKERT BRIDGE RD, ROSCOMMON, MI 48653-9127

Mortgage

Document Number	0000001217/0000000748
Date	Dec 17, 2019
Book Page	0000001217/0000000748

Lender

Name	ROSS MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 01, 2049

Tax Assessment & Valuation

Source: Emmet County records · Assessment roll updated July 21, 2026 · Last verified July 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		$171,500 (+9.03%) Land $16,400 Building $155,100	$343,000 (+9.03%) Land $32,800 Building $310,200
2025		$157,300 (+36.07%) Land $13,300 Building $144,000	$314,600 (+36.07%) Land $26,600 Building $288,000
2024	$2,640.00
2023		$115,600 Land $11,500 Building $104,100	$231,200 Land $23,000 Building $208,200

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	Indirect within ember reach
Adjoins Burnable Land	Yes

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 21 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 / 1,000
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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