3516 Cliffs Dr, Petoskey, MI 49770 Property Records

Emmet County property record for 3516 Cliffs Dr, Petoskey, MI 49770

Property Summary

Property Type	Condominium
Details	4 bd · 3 ba · 1,551 sqft · built 1996
Lot Size	0.028 acres (1,221 sqft)
Owner	2 Individual Names on File
Last Sale	$505,000 (Oct 2000)
Tax Bill	$14,832 (2024)
Deeds & Mortgages	Sep 2026 Sale Dec 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`52-18-02-365-107`

Property Details

APN / Parcel Number

Primary APN	`52-18-02-365-107`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Building Area	1,551 sqft Living Area
1st Floor Area	1,551 sqft
Basement Area	1,551 sqft
Unfinished Basement	1,551 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Architectural Style	Condo/Apartment
Lot Area	1,221 sqft
Garage Area	319 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	3516 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 7, G-112. SECTION 2, T34N, R6W
Legal Range	06W
Legal Township	34N
Legal Section	02
Legal Subdivision	CLIFFS AT BAY HARBOR CONDO
Legal Unit	7
Jurisdiction	EMMET MI
Township / Civil Division	PETOSKEY
Census Block Group	1
Census Block	1025
Census Tract	970800

Owner

3516 Cliffs Dr, a condominium, is owned by two individuals who acquired it in July 2026.

Source: Emmet County records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	3248 DEEP WATER LN, MAUMEE, OH 43537-9589
Owner Type	Individual
Vesting	Tenants by the Entirety

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

Deeds, Mortgages & Sale History

Date	Document
Sep 23, 2026	Warranty Deed, Transfer
Dec 4, 2020	Warranty Deed, Transfer · Conventional Mortgage MIDAMERICA BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 30, 2000 · Amount on File
Deed Sale	Oct 30, 2000 · Amount on File
Prior Sale	Oct 1, 1997 · Amount on File
Last Transfer Date	Jul 29, 2026
Transfer Doc	0005231145
Record Updated	Oct 29, 2026

September 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EMMET MI
Recording Date	Sep 23, 2026
Property Address	3516 CLIFFS DR, PETOSKEY, MI 49770-8571
Document Number	0005231145
Book / Page	1278 / 91
Instrument Date	Jul 29, 2026
Instrument	20265231145
Transaction Type	Transfer
Record Updated	Oct 14, 2026

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3248 DEEP WATER LN, MAUMEE, OH 43537-9589

December 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EMMET MI
Recording Date	Dec 4, 2020
Property Address	3516 CLIFFS DR, PETOSKEY, MI 49770-8571
Document Number	1227/717
Book / Page	1227 / 717
Instrument Date	Nov 17, 2020
Instrument	5180666
Transaction Type	Transfer
Record Updated	Jun 22, 2021

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	3248 DEEP WATER LN, MAUMEE, OH 43537-9589

Mortgage

Document Number	5180667
Date	Dec 4, 2020
Instrument	5180667

Lender

Name	MIDAMERICA BANK

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	349 Months
Due	Jan 1, 2050

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		$390,900 Land $390,900	$781,800 Land $781,800
2024	$14,832.00
2023		$277,900 Land $277,900	$555,800 Land $555,800

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

Flood

FEMA maps place 3516 Cliffs Dr in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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 File 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

Wildfire risk around 3516 Cliffs Dr is low, with less than 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 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

Nearby Properties on Cliffs Dr

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