3508 Cliffs Dr, Petoskey, MI 49770 Property Records

Emmet County property record for 3508 Cliffs Dr, Petoskey, MI 49770

Property Summary

Property Type	Condominium
Lot Size	0.026 acres (1,172 sqft)
Owner	2 Individual Names on Record
Tax Bill	$19,363 (2024)
Deeds & Mortgages	Jun 2026 Sale Jun 2026 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`52-18-02-365-102`

Property Details

APN / Parcel Number

Primary APN	`52-18-02-365-102`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	2,043 sqft Living Area
1st Floor Area	1,689 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Architectural Style	Condo/Apartment
Lot Area	1,172 sqft
Garage Area	321 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	3508 CLIFFS DR
City	PETOSKEY
State	MI
Zip	49770-8571
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 2, G-6. SECTION 2, T34N, R6W
Legal Range	06W
Legal Township	34N
Legal Section	02
Legal Subdivision	CLIFFS AT BAY HARBOR CONDO
Legal Unit	2
Jurisdiction	EMMET MI
Township / Civil Division	PETOSKEY
Census Block Group	1
Census Block	1025
Census Tract	970800

Owner

Source: Emmet County records, as of October 20, 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	11 WHITING CT, MORAGA, CA 94556-1927
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Jun 25, 2026	Warranty Deed, Transfer TALON TITLE AGENCY
Jun 25, 2026	Warranty Deed, Transfer
Aug 30, 2023	Warranty Deed, Transfer · Conventional Mortgage WELLS FARGO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 30, 2023
Deed Sale	Aug 30, 2023
Prior Sale	Nov 3, 2006 · Amount on Record
Deed Document Number	20235207416
Deed Book / Page	1254 / 425
Prior Transfer Date	Aug 24, 1998
Record Updated	Oct 29, 2026

June 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EMMET MI
Recording Date	Jun 25, 2026
Property Address	3508 CLIFFS DR, PETOSKEY, MI 49770-8571
Document Number	0005229009
Book / Page	1275 / 960
Instrument Date	Jun 2, 2026
Instrument	20265229009
Transaction Type	Transfer
Record Updated	Jul 24, 2026
Title Company	TALON TITLE AGENCY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11 WHITING CT, MORAGA, CA 94556-1927

June 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EMMET MI
Recording Date	Jun 25, 2026
Property Address	3508 CLIFFS DR, PETOSKEY, MI 49770-8571
Document Number	0005229009
Book / Page	1275 / 960
Instrument Date	Jun 2, 2026
Instrument	20265229009
Transaction Type	Transfer
Record Updated	Jul 13, 2026

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11 WHITING CT, MORAGA, CA 94556-1927

August 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EMMET MI
Recording Date	Aug 30, 2023
Property Address	3508 CLIFFS DR, PETOSKEY, MI 49770-8571
Document Number	001254/425
Book / Page	1254 / 425
Instrument Date	Aug 22, 2023
Instrument	5207416
Transaction Type	Transfer
Record Updated	Sep 8, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11 WHITING CT, MORAGA, CA 94556-1927

Mortgage

Document Number	0005207418
Date	Aug 30, 2023
Instrument	5207418

Lender

Name	WELLS FARGO

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	353 Months
Due	Jan 1, 2053

Tax Assessment & Valuation

Source: Emmet County assessment roll, as of July 21, 2026

Property Jurisdictions

Type	Name
State	Michigan
County	Emmet County
Municipality	Petoskey City
Unified School District	Public Schools of Petoskey (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$367,300 (+38.97%) Land $367,300	$734,600 (+38.97%) Land $734,600
2024	$19,363.00
2023		$264,300 Land $264,300	$528,600 Land $528,600

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

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.

Wildfire

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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

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

Cell Coverage

5G (outdoors only) and 4G LTE

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