Emmet County property record for 3450 Cedar Valley Rd, Petoskey, MI 49770
| Property Type | Single Family Home |
|---|---|
| Details | 1 ba · 1,248 sqft |
| Lot Size | 0.853 acres (37,189 sqft) |
| Owner | Trust Name on File |
| Tax Bill | $927 (2024) |
| Deeds & Mortgages | Dec 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 01-19-22-100-010 |
| Primary APN | 01-19-22-100-010 |
|---|
| Full Baths | 1 Bath |
|---|---|
| Building Area | 1,248 sqft Living Area |
| 1st Floor Area | 1,248 sqft |
| Lot Area | 37,189 sqft (0.853 acres) |
|---|---|
| Garage Area | 864 sqft |
| Street Address | 3450 CEDAR VALLEY RD |
|---|---|
| City | PETOSKEY |
| State | MI |
| Zip | 49770-9526 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | EC FF-1 |
| Legal Description | COM AT SE COR OF SW 1/4 OF NW 1/4; TH N 208 FT 8 IN TO POB; TH W PAR WITH E-W 1/4 LN SD SEC 208 FT 8 IN; TH N PAR WITH W 1/4 LN OF SD SEC 208FT 8IN. TH E PAR WITH SD E-W 1/4 LN 208 FT 8 IN; TH S AL SD W 1/8 LN 208 FT 8 IN TO POB. SECTION 22, T34N, R5 |
| Legal Range | 05W |
| Legal Township | 34N |
| Legal Section | 22 |
| Legal Subdivision | S22 T34N R5W |
| Jurisdiction | EMMET MI |
| Township / Civil Division | BEAR CREEK |
| Census Block Group | 1 |
| Census Block | 1027 |
| Census Tract | 970600 |
3450 Cedar Valley Rd is owner-occupied and held in a trust since September 2008.
Source: Emmet County records, as of October 20, 2026
| Owner of Record | Trust Name on File |
|---|---|
| Mailing Address | 3450 CEDAR VALLEY RD, PETOSKEY, MI 49770-9526 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 5, 2007 |
| Deed Sale | May 5, 2007 |
| Prior Sale | May 5, 2007 |
| Deed Book / Page | 1092 / 744 |
| Last Transfer Date | Sep 20, 2008 |
| Transfer Doc | 1106/251 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | EMMET MI |
| Property Address | 3450 CEDAR VALLEY RD, PETOSKEY, MI 49770-9526 |
| Transaction Type | Mortgage |
| Record Updated | Jan 3, 2022 |
| Name | Verified Name |
|---|---|
| Address | 3450 CEDAR VALLEY RD, PETOSKEY, MI 49770-9526 |
| Document Number | 0000001239/0000000890 |
|---|---|
| Date | Dec 15, 2021 |
| Book Page | 0000001239/0000000890 |
| Instrument | 5192851 |
| Name | ST FRANCIS X FEDERAL CREDIT UNION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jan 1, 2051 |
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 | $63,400 (+7.82%) Land $63,400 | $126,800 (+7.82%) Land $126,800 | |
| 2025 | $58,800 Land $58,800 | $117,600 Land $117,600 | |
| 2024 | $927.00 | ||
| 2023 | $41,100 Land $41,100 | $82,200 Land $82,200 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3450 Cedar Valley 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 3450 Cedar Valley 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 23 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Truestream Fiber | 1,000 / 1,000 |
| Spectrum Fiber · Cable in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
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