Emmet County property record for 3490 River Rd, Petoskey, MI 49770
| Property Type | Single Family Home |
|---|---|
| Lot Size | 7.25 acres (315,810 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $4,201 (2024) |
| Deeds & Mortgages | Mar 2026 Mortgage Mar 2026 Mortgage + 6 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 01-19-21-300-039 |
| Primary APN | 01-19-21-300-039 |
|---|
| Lot Area | 315,810 sqft (7.25 acres) |
|---|
| Street Address | 3490 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 ? OF SW ? OF SECTION 21, COM AT SW COR OF SD SEC, TH ALG W LN OF 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 |
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 | 3490 RIVER RD, PETOSKEY, MI 49770-9572 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 13, 2026 | Deed of Trust, Mortgage · Conventional Mortgage CITIZENS NATIONAL BANK OF CHEB |
| Mar 13, 2026 | Deed of Trust, Mortgage · Conventional Mortgage CITIZENS NATIONAL BANK OF CHEBOYGAN |
| Nov 15, 2019 | Deed of Trust, Mortgage CITIZENS NATIONAL BANK |
| Mar 1, 2021 | Deed of Trust, Mortgage · Conventional Mortgage CITIZENS NATIONAL BANK OF CHEBOYGAN |
| Jan 27, 2021 | Deed of Trust, Mortgage · Conventional Mortgage CITIZENS NATIONAL BANK OF CHEBOYGAN |
| May 22, 2017 | Deed of Trust, Mortgage · Construction Mortgage CITIZENS NATIONAL BANK OF CHEBOYGAN |
| Apr 24, 2019 | Deed of Trust, Mortgage · Balloon Mortgage CITIZENS NATIONAL BANK |
| Dec 26, 2018 | Deed of Trust, Mortgage · Stand-Alone Refinance CITIZENS NATIONAL BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | EMMET MI |
| Property Address | 3490 RIVER RD, PETOSKEY, MI 49770-9572 |
| Transaction Type | Mortgage |
| Record Updated | Mar 30, 2026 |
| Name | Verified Name |
|---|---|
| Address | 3490 RIVER RD, PETOSKEY, MI 49770-9572 |
| Document Number | 0000001273/0000000889 |
|---|---|
| Date | Mar 13, 2026 |
| Book Page | 0000001273/0000000889 |
| Instrument | 5226939 |
| Name | CITIZENS NATIONAL BANK OF CHEB |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | Jan 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | EMMET MI |
| Property Address | 3490 RIVER RD, PETOSKEY, MI 49770-9572 |
| Transaction Type | Mortgage |
| Record Updated | Mar 23, 2026 |
| Name | Verified Name |
|---|---|
| Address | 3490 RIVER RD, PETOSKEY, MI 49770-9572 |
| Document Number | 0000001273/0000000889 |
|---|---|
| Date | Mar 13, 2026 |
| Book Page | 0000001273/0000000889 |
| Instrument | 5226939 |
| Name | CITIZENS NATIONAL BANK OF CHEBOYGAN |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | Jan 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | EMMET MI |
| Property Address | 3490 RIVER RD, PETOSKEY, MI 49770-9572 |
| Transaction Type | Mortgage |
| Record Updated | May 26, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000001216/0000000970 |
|---|---|
| Date | Nov 15, 2019 |
| Book Page | 0000001216/0000000970 |
| Instrument | 5169891 |
| Name | CITIZENS NATIONAL BANK |
|---|
| Amount | Amount Recorded |
|---|---|
| Term | 350 Months |
| Due | Jan 1, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | EMMET MI |
| Property Address | 3490 RIVER RD, PETOSKEY, MI 49770-9572 |
| Transaction Type | Mortgage |
| Record Updated | Apr 5, 2021 |
| Name | Verified Name |
|---|---|
| Address | 3490 RIVER RD, PETOSKEY, MI 49770-9572 |
| Document Number | 0000001230/0000000503 |
|---|---|
| Date | Mar 1, 2021 |
| Book Page | 0000001230/0000000503 |
| Instrument | 5183470 |
| Name | CITIZENS NATIONAL BANK OF CHEBOYGAN |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Jan 1, 2041 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | EMMET MI |
| Property Address | 3490 RIVER RD, PETOSKEY, MI 49770-9572 |
| Transaction Type | Mortgage |
| Record Updated | Mar 1, 2021 |
| Name | Verified Name |
|---|---|
| Address | 3490 RIVER RD, PETOSKEY, MI 49770-9572 |
| Document Number | 0000001229/0000000483 |
|---|---|
| Date | Jan 27, 2021 |
| Book Page | 0000001229/0000000483 |
| Instrument | 5182451 |
| Name | CITIZENS NATIONAL BANK OF CHEBOYGAN |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | EMMET MI |
| Property Address | 3490 RIVER RD, PETOSKEY, MI 49770-9572 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 1194/0969 |
|---|---|
| Date | May 22, 2017 |
| Book Page | 1194/0969 |
| Instrument | 5147845 |
| Name | CITIZENS NATIONAL BANK OF CHEBOYGAN |
|---|---|
| Type | Bank |
| Address | CHEBOYGAN, MI 49721 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 12 Months |
| Due | May 18, 2018 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | EMMET MI |
| Property Address | 3490 RIVER RD, PETOSKEY, MI 49770-9572 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 1211/692 |
|---|---|
| Date | Apr 24, 2019 |
| Book Page | 1211/692 |
| Instrument | 5164613 |
| Name | CITIZENS NATIONAL BANK |
|---|---|
| Type | Bank |
| Type | Balloon Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | May 1, 2039 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | EMMET MI |
| Property Address | 3490 RIVER RD, PETOSKEY, MI 49770-9572 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 1208/945 |
|---|---|
| Date | Dec 26, 2018 |
| Book Page | 1208/945 |
| Instrument | 5161838 |
| Name | CITIZENS NATIONAL BANK |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 1, 2049 |
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 | $293,300 (+9.77%) Land $293,300 | $586,600 (+9.77%) Land $586,600 | |
| 2025 | $267,200 (+32.41%) Land $267,200 | $534,400 (+32.41%) Land $534,400 | |
| 2024 | $4,201.00 | ||
| 2023 | $201,800 Land $201,800 | $403,600 Land $403,600 |
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
| 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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