3472 River Rd, Petoskey, MI 49770 Property Records

Emmet County property record for 3472 River Rd, Petoskey, MI 49770 · Last verified July 2026

Property Summary

Property Type	Single Family Home
Lot Size	10.2 acres (448,232 sqft)
Owner	2 Individual Names on File
Tax Bill	$2,838 (2024)
Deeds & Mortgages	Nov 2019 Mortgage Mar 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`01-19-21-300-038`

Property Details

APN / Parcel Number

Primary APN	`01-19-21-300-038`

Exterior

Lot Area	448,232 sqft (10.2 acres)

Location & Zoning

Street Address	3472 RIVER RD
City	PETOSKEY
State	MI
Zip	49770-9572
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	NW ? OF SW ? OF SECTION 21, COM AT SW COR OF SD SEC, TH ALG W LN OF SD SEC N00?46?19?E 1301.80 FT TO S 1/8 LN OF SEC, TH
Jurisdiction	EMMET MI
Township / Civil Division	BEAR CREEK
Census Block Group	2
Census Block	2002
Census Tract	970600

Owner

Source: Emmet County records · APN 01-19-21-300-038

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	3783 CEDAR VALLEY RD, PETOSKEY, MI 49770-3524
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 22, 2019	Deed of Trust, Mortgage CITIZENS NATIONAL BANK
Mar 03, 2021	Deed of Trust, Mortgage · Conventional Mortgage HOME POINT FINANCIAL
Oct 06, 2020	Deed of Trust, Mortgage · Conventional Mortgage ST FRANCIS X FEDERAL CREDIT UNION

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Transfer Date	Jan 14, 2011
Transfer Doc	1131000339
Record Updated	Sep 20, 2026

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EMMET MI
Property Address	3472 RIVER RD, PETOSKEY, MI 49770-9572
Transaction Type	Mortgage
Record Updated	May 26, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000001217/0000000163
Date	Nov 22, 2019
Book Page	0000001217/0000000163
Instrument	5170083

Lender

Name	CITIZENS NATIONAL BANK

Agreement

Amount	Amount Recorded

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EMMET MI
Property Address	3472 RIVER RD, PETOSKEY, MI 49770-9572
Transaction Type	Mortgage
Record Updated	Apr 05, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3472 RIVER RD, PETOSKEY, MI 49770-9572

Mortgage

Document Number	0000001230/0000000570
Date	Mar 03, 2021
Book Page	0000001230/0000000570
Instrument	5183537

Lender

Name	HOME POINT FINANCIAL

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 01, 2051

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EMMET MI
Property Address	3472 RIVER RD, PETOSKEY, MI 49770-9572
Transaction Type	Mortgage
Record Updated	Feb 05, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3472 RIVER RD, PETOSKEY, MI 49770-9572

Mortgage

Document Number	0000001225/0000000809
Date	Oct 06, 2020
Book Page	0000001225/0000000809
Instrument	5178759

Lender

Name	ST FRANCIS X FEDERAL CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 01, 2050

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		$160,100 (+45.02%) Land $160,100	$320,200 (+45.02%) Land $320,200
2024	$2,838.00
2023		$110,400 Land $110,400	$220,800 Land $220,800

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	Direct burnable vegetation at the parcel

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 (outdoors only) and 4G LTE

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