Emmet County property record for 3432 Cliffs Dr, Petoskey, MI 49770
| Property Type | Condominium |
|---|---|
| Details | 4 bd · 4 ba · 1,569 sqft · built 1996 |
| Lot Size | 0.028 acres (1,221 sqft) |
| Owner | Company Name on Record |
| Last Sale | $11,975 (Mar 2025) |
| Tax Bill | $9,227 (2024) |
| Flood Zone | Zone X (minimal risk) |
| APN | 52-18-02-365-143 |
| Primary APN | 52-18-02-365-143 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 4 Baths |
| Building Area | 1,569 sqft Living Area |
| 1st Floor Area | 1,551 sqft |
| Basement Area | 1,551 sqft |
| Unfinished Basement | 1,551 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1996 |
|---|---|
| Effective Year Built | Effective 1996 |
| Architectural Style | Condo/Apartment |
| Lot Area | 1,221 sqft |
| Garage Area | 319 sqft |
| Heating System | Forced Air with A/C |
|---|
| Street Address | 3432 CLIFFS DR |
|---|---|
| City | PETOSKEY |
| State | MI |
| Zip | 49770-8583 |
| 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 43 & G-48. SECTION 2, T34N, R6W |
| Legal Range | 06W |
| Legal Township | 34N |
| Legal Section | 02 |
| Legal Subdivision | CLIFFS AT BAY HARBOR CONDO |
| Legal Unit | 43 |
| Jurisdiction | EMMET MI |
| Township / Civil Division | PETOSKEY |
| Census Block Group | 1 |
| Census Block | 1025 |
| Census Tract | 970800 |
Source: Emmet County records, as of October 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 | 660 OSCEOLA AVE, 104, WINTER PARK, FL 32789-4419 |
| Owner Type | Company |
| Vesting | Trust |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 4, 2025 · Amount on Record |
| Deed Sale | Mar 4, 2025 · Amount on Record |
| Prior Sale | Mar 14, 2000 |
| Deed Document Number | 20255218672 |
| Deed Book / Page | 1265 / 643 |
| Prior Transfer Date | Mar 1, 2025 |
| Prior Transfer Doc | 001265/643 |
| Record Updated | Oct 29, 2026 |
Source: Emmet County assessment roll, as of July 21, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Emmet County |
| Municipality | Petoskey City |
| Unified School District | Public Schools of Petoskey (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $391,000 (+43.59%) Land $391,000 | $782,000 (+43.59%) Land $782,000 | |
| 2024 | $9,227.00 | ||
| 2023 | $272,300 Land $272,300 | $544,600 Land $544,600 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 93% of the US · lower than 83% of Michigan |
|---|---|
| Wildfire Likelihood | Under 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 73 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 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| Starlink Satellite | 280 / 30 |
5G (outdoors only) and 4G LTE
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