Emmet County property record for 3430 Kalchik Rd, Petoskey, MI 49770
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,560 sqft |
| Lot Size | 2.05 acres (89,298 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $160,000 (May 2013) |
| Tax Bill | $2,262 (2024) |
| Deeds & Mortgages | Sep 2021 Mortgage Jan 2018 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 13-18-23-100-014 |
| Primary APN | 13-18-23-100-014 |
|---|
| Full Baths | 2 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 1,560 sqft Living Area |
| 1st Floor Area | 1,560 sqft |
| Basement Area | 1,560 sqft |
| Architectural Style | Ranch |
|---|---|
| Lot Area | 89,298 sqft (2.05 acres) |
| Garage Area | 624 sqft |
| Pool Type | Spa / Hot Tub (No Pool) |
|---|---|
| Patio Area | 194 sqft |
| Shed | 1 Shed |
| Shed Area | 128 sqft |
| Heating System | Forced Air with A/C |
|---|
| Street Address | 3430 KALCHIK RD |
|---|---|
| City | PETOSKEY |
| State | MI |
| Zip | 49770-9780 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RT FF |
| Legal Description | COM AT W 1/4 COR, TH E 1323.63 FT ALG E-W 1/4 LN FOR POB, TH CONT E 205.01 FT, N 473.03 FT, W 205.01 FT, S 473.03 FT TO POB |
| Legal Range | 06W |
| Legal Township | 34N |
| Legal Section | 23 |
| Legal Subdivision | NW4S23 T34N R6W |
| Jurisdiction | EMMET MI |
| Township / Civil Division | RESORT |
| Census Block Group | 4 |
| Census Block | 4025 |
| Census Tract | 970600 |
3430 Kalchik Rd is owned and occupied by two individuals who bought it in May 2013.
Source: Emmet County records, as of July 21, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 3430 KALCHIK RD, PETOSKEY, MI 49770-9780 |
| 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 24, 2021 | Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE |
| Jan 1, 2018 | Deed of Trust, Mortgage QUICKEN LOANS INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 15, 2013 · Amount on File |
| Deed Sale | May 15, 2013 · Amount on File |
| Prior Sale | Mar 19, 2012 · Amount on File |
| Deed Document Number | 20135109521 |
| Deed Book / Page | 1156 / 848 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | EMMET MI |
| Property Address | 3430 KALCHIK RD, PETOSKEY, MI 49770-9780 |
| Transaction Type | Mortgage |
| Record Updated | Oct 18, 2021 |
| Name | Verified Name |
|---|---|
| Address | 3430 KALCHIK RD, PETOSKEY, MI 49770-9780 |
| Document Number | 0000001237/0000000417 |
|---|---|
| Date | Sep 24, 2021 |
| Book Page | 0000001237/0000000417 |
| Instrument | 5190378 |
| Name | ROCKET MORTGAGE |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jan 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | EMMET MI |
| Property Address | 3430 KALCHIK RD, PETOSKEY, MI 49770-9780 |
| Transaction Type | Mortgage |
| Record Updated | Jun 23, 2021 |
| Name | Verified Name |
|---|
| Document Number | 1200/0495 |
|---|---|
| Date | Jan 1, 2018 |
| Book Page | 1200/0495 |
| Instrument | 5153394 |
| Name | QUICKEN LOANS INC |
|---|---|
| Type | Lending Institution |
| Address | DETROIT, MI 48226 |
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | Jan 1, 2048 |
Source: Emmet County assessment roll, as of July 21, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Emmet County |
| County Subdivision | Resort Township |
| Unified School District | Public Schools of Petoskey (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $245,700 Building $245,700 | $491,400 Building $491,400 | |
| 2024 | $2,262.00 | ||
| 2023 | $192,300 Building $192,300 | $384,600 Building $384,600 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3430 Kalchik 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 3430 Kalchik 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 48 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 and 4G LTE (outdoors only)
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