Emmet County property record for 3524 Cliffs Dr, Petoskey, MI 49770
| Property Type | Condominium |
|---|---|
| Details | 3 bd · 2 ba · 2,021 sqft · built 1996 |
| Lot Size | 0.026 acres (1,172 sqft) |
| Owner | 2 Company Names on File |
| Last Sale | $399,000 (Aug 2004) |
| Tax Bill | $9,398 (2024) |
| Deeds & Mortgages | Mar 2021 Transfer |
| Flood Zone | Zone X (minimal risk) |
| APN | 52-18-02-365-106 |
| Primary APN | 52-18-02-365-106 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 2,021 sqft Living Area |
| 1st Floor Area | 1,689 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1996 |
|---|---|
| Effective Year Built | Effective 1996 |
| Architectural Style | Condo/Apartment |
| Lot Area | 1,172 sqft |
| Garage Area | 1,137 sqft |
| Heating System | Forced Air with A/C |
|---|
| Street Address | 3524 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 6, G-23, G-24, G-113 & G-114. SECTION 2, T34N, R6W |
| Legal Range | 06W |
| Legal Township | 34N |
| Legal Section | 02 |
| Legal Subdivision | THE CLIFFS AT BAY HARBOR |
| Legal Unit | 6 |
| Jurisdiction | EMMET MI |
| Township / Civil Division | PETOSKEY |
| Census Block Group | 1 |
| Census Block | 1025 |
| Census Tract | 970800 |
3524 Cliffs Dr, a condominium, is owned by a company that acquired it in December 2020.
Source: Emmet County records, as of October 20, 2026
| Owner of Record | 2 Company Names on File |
|---|---|
| Mailing Address | 3721 CHATHAM PL, BRIGHTON, MI 48114-4201 |
| Owner Type | Company |
| Vesting | Life Estate |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 27, 2004 · Amount on File |
| Deed Sale | Aug 27, 2004 · Amount on File |
| Prior Sale | May 1, 1996 · Amount on File |
| Deed Book / Page | 1056 / 45 |
| Last Transfer Date | Dec 8, 2020 |
| Transfer Doc | 001231/108 |
| Record Updated | Oct 29, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | EMMET MI |
| Recording Date | Mar 19, 2021 |
| Property Address | 3524 CLIFFS DR, PETOSKEY, MI 49770-8571 |
| Document Number | 1231/108 |
| Book / Page | 1231 / 108 |
| Instrument Date | Dec 8, 2020 |
| Instrument | 5184074 |
| Transaction Type | Transfer |
| Record Updated | Jun 22, 2021 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 5278 ARBOR BAY DR, BRIGHTON, MI 48116-7779 |
Source: Emmet County assessment roll, as of July 21, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Emmet County |
| Municipality | Petoskey City |
| Unified School District | Public Schools of Petoskey (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $385,700 (+15.65%) Land $385,700 | $771,400 (+15.65%) Land $771,400 | |
| 2025 | $333,500 Land $333,500 | $667,000 Land $667,000 | |
| 2024 | $9,398.00 | ||
| 2023 | $271,100 Land $271,100 | $542,200 Land $542,200 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3524 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 risk around 3524 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.
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 |
| 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.
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 |
5G (outdoors only) and 4G LTE
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