3528 Cliffs Dr, Petoskey, MI 49770 Property Records

Emmet County property record for 3528 Cliffs Dr, Petoskey, MI 49770

Property Summary

Property Type	Condominium
Details	3 bd · 3 ba · 1,870 sqft · built 1997
Lot Size	0.02 acres (885 sqft)
Owner	Individual Name on File
Tax Bill	$9,531 (2022)
Deeds & Mortgages	Oct 2021 Mortgage Aug 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`52-18-02-365-105`

Property Details

APN / Parcel Number

Primary APN	`52-18-02-365-105`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Building Area	1,870 sqft Living Area
1st Floor Area	1,870 sqft
Basement Area	1,551 sqft
Unfinished Basement	1,551 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Architectural Style	Condo/Apartment
Lot Area	885 sqft
Garage Area	336 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	3528 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 5. SECTION 2, T34N, R6W
Legal Range	06W
Legal Township	34N
Legal Section	02
Legal Subdivision	THE CLIFFS AT BAY HARBOR
Legal Unit	5
Jurisdiction	EMMET MI
Township / Civil Division	PETOSKEY
Census Block Group	1
Census Block	1025
Census Tract	970800

Owner

3528 Cliffs Dr, a condominium, is owned and occupied by an individual who acquired it in August 2020.

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

Owner of Record	Individual Name on File
Mailing Address	3528 CLIFFS DR, PETOSKEY, MI 49770-8571
Occupancy	Owner Occupied
Owner Type	Individual

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
Oct 22, 2021	Deed of Trust, Mortgage · Conventional Mortgage HUNTINGTON NATIONAL BANK
Aug 13, 2020	Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 13, 2020
Deed Sale	Aug 13, 2020
Prior Sale	May 30, 2014
Deed Document Number	20205176909
Deed Book / Page	1223 / 962
Prior Transfer Date	Jan 22, 2015
Prior Transfer Doc	1174/0051
Record Updated	Oct 29, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EMMET MI
Property Address	3528 CLIFFS DR, PETOSKEY, MI 49770-8571
Transaction Type	Mortgage
Record Updated	Nov 15, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3528 CLIFFS DR, PETOSKEY, MI 49770-8571

Mortgage

Document Number	0000001238/0000000250
Date	Oct 22, 2021
Book Page	0000001238/0000000250
Instrument	5191212

Lender

Name	HUNTINGTON NATIONAL BANK

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2051

August 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	EMMET MI
Recording Date	Aug 13, 2020
Property Address	3528 CLIFFS DR, PETOSKEY, MI 49770-8571
Document Number	1223/962
Book / Page	1223 / 962
Instrument Date	Jul 30, 2020
Instrument	5176909
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	1111 1 2 E MITCHELL ST, PETOSKEY, MI 49770

Mortgage

Document Number	5176911
Date	Aug 13, 2020
Instrument	5176911

Lender

Name	MORTGAGE RESEARCH CENTER

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	353 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		$440,300 (+16.42%) Land $440,300	$880,600 (+16.42%) Land $880,600
2025		$378,200 Land $378,200	$756,400 Land $756,400
2023		$299,500 Land $299,500	$599,000 Land $599,000
2022	$9,531.00

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

Flood

FEMA maps place 3528 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 3528 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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