3510 Joy Ln, Petoskey, MI 49770 Property Records

Emmet County property record for 3510 Joy Ln, Petoskey, MI 49770

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,408 sqft · built 1973
Lot Size	7.08 acres (308,769 sqft)
Owner	Individual Name on Record
Tax Bill	$1,887 (2024)
Deeds & Mortgages	Mar 2020 Mortgage May 2017 Transfer
Flood Zone	Zone X (minimal risk)
APN	`14-20-20-400-017`

Property Details

APN / Parcel Number

Primary APN	`14-20-20-400-017`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,408 sqft Living Area
1st Floor Area	1,408 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1973
Effective Year Built	Effective 1973
Architectural Style	Ranch
Fire Resistance	Masonry Walls, Wood Interior
Lot Area	308,769 sqft (7.08 acres)
Garage Area	728 sqft
Shed	1 Shed
Shed Area	80 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	3510 JOY LN
City	PETOSKEY
State	MI
Zip	49770
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	EC FF-2
Legal Description	SEC 20, T34N R4W, COM AT E 1/4 COR OF SEC FOR POB, TH W 414.99 FT TO INT TRAV LN OF MINNEHAHA CREEK, TH ALG SD TRAV LN
Legal Range	04W
Legal Township	34N
Legal Section	20
Jurisdiction	EMMET MI
Township / Civil Division	SPRINGVALE
Census Block Group	4
Census Block	4035
Census Tract	970500

Owner

Source: Emmet County records, as of July 21, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	PO BOX 725, PETOSKEY, MI 49770-0725
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 23, 2020	Deed of Trust, Mortgage · Conventional Mortgage 4FRONT CREDIT UNION
May 19, 2017	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	May 19, 2017
Transfer Doc	1194/0905
Record Updated	Sep 20, 2026

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EMMET MI
Property Address	3510 JOY LN, PETOSKEY, MI 49770
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3510 JOY LN, PETOSKEY, MI 49770

Mortgage

Document Number	0000001220/0000000191
Date	Mar 23, 2020
Book Page	0000001220/0000000191
Instrument	5173135

Lender

Name	4FRONT CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Jan 1, 2030

May 2017: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	EMMET MI
Recording Date	May 19, 2017
Property Address	3510 JOY LN, PETOSKEY, MI 49770
Document Number	1194/0905
Book / Page	1194 / 0905
Instrument Date	May 19, 2017
Instrument	5147781
Transaction Type	Transfer
Record Updated	Jun 22, 2021

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3510 JOY LN, 3510, PETOSKEY, MI 49770

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3510 JOY LN, PETOSKEY, MI 49770

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Michigan
County	Emmet County
County Subdivision	Springvale Township
Unified School District	Public Schools of Petoskey (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$158,700 (+4.13%) Building $158,700	$317,400 (+4.13%) Building $317,400
2025		$152,400 (+46.12%) Building $152,400	$304,800 (+46.12%) Building $304,800
2024	$1,887.00
2023		$104,300 Building $104,300	$208,600 Building $208,600

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

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

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 2 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Truestream Fiber	1,000 / 1,000

Cell Coverage

5G and 4G LTE (outdoors only)

Nearby Properties on Joy Ln

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