Emmet County property record for 3434 River Rd, Petoskey, MI 49770
| Property Type | Single Family Home |
|---|---|
| Lot Size | 1.1 acres (47,916 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $210,000 (Nov 2020) |
| Tax Bill | $2,958 (2024) |
| Deeds & Mortgages | Nov 2021 Mortgage May 2017 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 01-19-21-300-033 |
| Primary APN | 01-19-21-300-033 |
|---|
| Lot Area | 47,916 sqft (1.1 acres) |
|---|
| Street Address | 3434 RIVER RD |
|---|---|
| City | PETOSKEY |
| State | MI |
| Zip | 49770-9572 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | EC FF-1 |
| Legal Description | PT OF NW 1/4 OF SW 1/4 OF SECTION 21, COM AT SW COR OF SEC, TH N00?46'30"E 1302.07 FT, TH S89?49'20"E 836.64 FT, TH |
| 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 |
Source: Emmet County records, as of July 21, 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 | 3434 RIVER RD, PETOSKEY, MI 49770-9572 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 5, 2021 | Deed of Trust, Mortgage · VA Mortgage VILLAGE CAPITAL |
| May 3, 2017 | Deed of Trust, Mortgage FREEDOM MORTGAGE CORP |
| Feb 6, 2019 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP |
| Nov 16, 2020 | Warranty Deed, Transfer · VA Mortgage GOLD STAR MORTGAGE |
| Dec 4, 2018 | Quit Claim Deed, Transfer Quitclaim |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 16, 2020 · Amount on Record |
| Deed Sale | Nov 16, 2020 · Amount on Record |
| Deed Document Number | 20205180139 |
| Deed Book / Page | 1227 / 190 |
| Prior Transfer Date | Dec 4, 2018 |
| Prior Transfer Doc | 1208/469 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | EMMET MI |
| Property Address | 3434 RIVER RD, PETOSKEY, MI 49770-9572 |
| Transaction Type | Mortgage |
| Record Updated | Nov 22, 2021 |
| Name | Verified Name |
|---|---|
| Address | 3434 RIVER RD, PETOSKEY, MI 49770-9572 |
| Document Number | 0000001238/0000000743 |
|---|---|
| Date | Nov 5, 2021 |
| Book Page | 0000001238/0000000743 |
| Instrument | 5191705 |
| Name | VILLAGE CAPITAL |
|---|
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | EMMET MI |
| Property Address | 3434 RIVER RD, PETOSKEY, MI 49770-9572 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 1194/0508 |
|---|---|
| Date | May 3, 2017 |
| Book Page | 1194/0508 |
| Instrument | 5147384 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | MOUNT LAUREL, NJ 08054 |
| Amount | Amount Recorded |
|---|---|
| Term | 240 Months |
| Due | May 1, 2037 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | EMMET MI |
| Property Address | 3434 RIVER RD, PETOSKEY, MI 49770-9572 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 1209/769 |
|---|---|
| Date | Feb 6, 2019 |
| Book Page | 1209/769 |
| Instrument | 5162685 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 1, 2049 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | EMMET MI |
| Recording Date | Nov 16, 2020 |
| Property Address | 3434 RIVER RD, PETOSKEY, MI 49770-9572 |
| Document Number | 1227/190 |
| Book / Page | 1227 / 190 |
| Instrument Date | Nov 6, 2020 |
| Instrument | 5180139 |
| Transaction Type | Transfer |
| Record Updated | Jun 22, 2021 |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3434 RIVER RD, PETOSKEY, MI 49770-9572 |
| Document Number | 5180140 |
|---|---|
| Date | Nov 16, 2020 |
| Instrument | 5180140 |
| Name | GOLD STAR MORTGAGE |
|---|
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 350 Months |
| Due | Jan 1, 2050 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | EMMET MI |
| Recording Date | Dec 4, 2018 |
| Property Address | 3434 RIVER RD, PETOSKEY, MI 49770-9572 |
| Document Number | 1208/469 |
| Book / Page | 1208 / 469 |
| Instrument Date | Dec 4, 2018 |
| Instrument | 5161362 |
| Transaction Type | Transfer |
| Record Updated | Jun 22, 2021 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3434 RIVER RD, PETOSKEY, MI 49770-9572 |
Source: Emmet County assessment roll, as of July 21, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Emmet County |
| County Subdivision | Bear Creek Township |
| Unified School District | Public Schools of Petoskey (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $166,200 (+9.13%) Land $166,200 | $332,400 (+9.13%) Land $332,400 | |
| 2025 | $152,300 (+27.23%) Land $152,300 | $304,600 (+27.23%) Land $304,600 | |
| 2024 | $2,958.00 | ||
| 2023 | $119,700 Land $119,700 | $239,400 Land $239,400 |
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
| 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.
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 21 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 |
| Verizon Fixed Wireless | 300 / 20 |
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