3601 Kalchik Rd, Petoskey, MI 49770 Property Records

Emmet County property record for 3601 Kalchik Rd, Petoskey, MI 49770

Property Summary

Property Type	Condominium
Lot Size	1.01 acres (44,306 sqft)
Owner	Individual Name on Record
Last Sale	$132,900 (Jan 2010)
Tax Bill	$2,629 (2024)
Deeds & Mortgages	Mar 2023 Mortgage Sep 2017 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`13-18-23-301-108`

Property Details

APN / Parcel Number

Primary APN	`13-18-23-301-108`

Exterior

Architectural Style	Condo/Apartment
Lot Area	44,306 sqft

Location & Zoning

Street Address	3601 KALCHIK RD
City	PETOSKEY
State	MI
Zip	49770-8538
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	RT FF
Legal Description	KALCHIK ESTATES CONDO, UNIT 8. PLAN #94. SECTION 23, T34N, R6W
Legal Range	06W
Legal Township	34N
Legal Section	23
Legal Subdivision	KALCHIK ESTATES
Legal Unit	8
Jurisdiction	EMMET MI
Township / Civil Division	RESORT
Census Block Group	4
Census Block	4028
Census Tract	970600

Owner

Source: Emmet County records, as of October 20, 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	3601 KALCHIK RD, PETOSKEY, MI 49770-8538
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 17, 2023	Deed of Trust, Mortgage · Conventional Mortgage 4FRONT CREDIT UNION
Sep 21, 2017	Deed of Trust, Mortgage · Line of Credit WELLS FARGO BANK NA
Sep 3, 2020	Deed of Trust, Mortgage · Conventional Mortgage 4FRONT CREDIT UNION

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 22, 2010 · Amount on Record
Deed Sale	Jan 22, 2010 · Amount on Record
Prior Sale	Jun 25, 2009 · Amount on Record
Deed Book / Page	1119 / 889
Prior Transfer Date	Jul 9, 2009
Prior Transfer Doc	1115/381
Record Updated	Oct 29, 2026

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EMMET MI
Property Address	3601 KALCHIK RD, PETOSKEY, MI 49770-8538
Transaction Type	Mortgage
Record Updated	Mar 31, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3601 KALCHIK RD, PETOSKEY, MI 49770-8538

Mortgage

Document Number	0000001250/0000000947
Date	Mar 17, 2023
Book Page	0000001250/0000000947
Instrument	5203934

Lender

Name	4FRONT CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	264 Months
Due	Jan 1, 2045

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EMMET MI
Property Address	3601 KALCHIK RD, PETOSKEY, MI 49770-8538
Transaction Type	Mortgage
Record Updated	Jun 23, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1197/0928
Date	Sep 21, 2017
Book Page	1197/0928
Instrument	5150803

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Sep 15, 2047

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EMMET MI
Property Address	3601 KALCHIK RD, PETOSKEY, MI 49770-8538
Transaction Type	Mortgage
Record Updated	Jun 23, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3601 KALCHIK RD, PETOSKEY, MI 49770-8538

Mortgage

Document Number	0000001224/0000000652
Date	Sep 3, 2020
Book Page	0000001224/0000000652
Instrument	5177598

Lender

Name	4FRONT CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 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
County Subdivision	Resort Township
Unified School District	Public Schools of Petoskey (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$268,900 (+17.73%) Land $268,900	$537,800 (+17.73%) Land $537,800
2024	$2,629.00
2023		$228,400 Land $228,400	$456,800 Land $456,800

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	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	KALCHIK ESTATES private · serves 147 people · EPA ID MI0003545
Water Source	Groundwater
Last State Inspection	Aug 2023
Lead	Under 1 ppb (2020–2022) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 48 locations within half a mile, as of December 31, 2025

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

Cell Coverage

5G (outdoors only) and 4G LTE

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