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3604 Cliffs Dr, Petoskey, MI 49770 Property Records

Emmet County property record for 3604 Cliffs Dr, Petoskey, MI 49770 · Last verified July 2026

Property Highlights

Property TypeResidential > Condominium / Townhouse > Condominium
Architecture StyleCondo/Apartment
Tax Bill$13,154.00 (2024)

Property Details

APN / Parcel Number

Primary APN52-18-02-365-128

Exterior

Architectural StyleCondo/Apartment Style

Location & Zoning

Street Address3604 CLIFFS DR
CityPETOSKEY
StateMI
Zip49770-8586
Property UsageResidential Property Usage
TypeResidential > Condominium / Townhouse > Condominium
Legal DescriptionCLIFFS AT BAY HARBOR, THE, CONDO #143, UNIT 28. SECTION 2, T34N, R6W
Legal Range06W
Legal Township34N
Legal Section02
Legal SubdivisionTHE CLIFFS AT BAY HARBOR
Legal Unit28
JurisdictionEMMET MI
Minor Civil DivisionPETOSKEY
Census Blockgroup1
Census Block1025
Census Tract970800

Owner

Source: Emmet County records · APN 52-18-02-365-128

Assessment roll updated July 21, 2026 · Last verified July 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record2 Individual Names on File
Mailing Address2530 ELM BROOK CT, ROCHESTER HILLS, MI 48309-4029
Owner TypeOwner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

DateDocument
Mar 18, 2020Deed of Trust, Mortgage · Conventional Mortgage
CITIZENS NATIONAL BANK OF CHEBOYGAN
Dec 30, 2025Warranty Deed, Transfer · Conventional Mortgage
MORGAN STANLEY PRIVATE BANK
Jul 06, 2021Warranty Deed, Transfer · Conventional Mortgage
FLAGSTAR BANK
Jun 02, 2021Warranty Deed, Transfer

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleDec 30, 2025
Deed SaleDec 30, 2025
Prior SaleOct 27, 2009 · Amount on Record
Deed Doc Number20255225288
Deed Book / Page1272 / 237
Record RefreshedSep 20, 2026

March 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionEMMET MI
Property Address3604 CLIFFS DR, PETOSKEY, MI 49770-8586
Transaction TypeMortgage
Record UpdatedFeb 18, 2026

Transferred To (Grantee/Buyer)

NameVerified Name
Address3604 CLIFFS DR, PETOSKEY, MI 49770-8586

Mortgage

Document Number0000001220/0000000119
DateMar 18, 2020
Book Page0000001220/0000000119
Instrument5173062
Lender
NameCITIZENS NATIONAL BANK OF CHEBOYGAN
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term180 Months
DueJan 01, 2035

December 2025: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionEMMET MI
Recording DateDec 30, 2025
Property Address3604 CLIFFS DR, PETOSKEY, MI 49770-8586
Document Number001272/237
Book / Page1272 / 237
Instrument DateDec 19, 2025
Instrument5225288
Transaction TypeTransfer
Record UpdatedFeb 18, 2026
Title CompanyCROSSROADS TITLE

Transaction

Tax$0.00
Amount AccuracyZero or No Consideration Stated
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCommunity Property
Address2530 ELM BROOK CT, ROCHESTER HILLS, MI 48309-4029

Mortgage

Document Number0005225289
DateDec 30, 2025
Instrument5225289
Lender
NameMORGAN STANLEY PRIVATE BANK
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueJan 01, 2056
Interest
Rate TypeAdjustable Rate
Rate5.65%
Type Change DateJan 01, 2020

July 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionEMMET MI
Recording DateJul 06, 2021
Property Address3604 CLIFFS DR, PETOSKEY, MI 49770-8586
Document Number1234/839
Book / Page1234 / 839
Instrument DateJun 03, 2021
Instrument5187903
Transaction TypeTransfer
Record UpdatedAug 02, 2021

Transaction

Tax$0.00
Amount AccuracyZero or No Consideration Stated
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address2864 CROFTSHIRE CT, ROCHESTER HILLS, MI 48306-4925

Mortgage

Document Number5187805
DateJul 06, 2021
Instrument5187805
Lender
NameFLAGSTAR BANK
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term354 Months
DueJan 01, 2051

June 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionEMMET MI
Recording DateJun 02, 2021
Property Address3604 CLIFFS DR, PETOSKEY, MI 49770-8586
Document Number1233/722
Book / Page1233 / 722
Instrument DateMar 25, 2015
Instrument5186687
Transaction TypeTransfer
Record UpdatedJun 21, 2021

Transaction

Tax$0.00
Amount AccuracyZero or No Consideration Stated
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address2949 SPRING CT, OAKLAND, MI 48363-2157

Tax Assessment & Valuation

Source: Emmet County records · Assessment roll updated July 21, 2026 · Last verified July 2026

Property Jurisdictions

TypeName
StateMichigan
CountyEmmet County
MunicipalityPetoskey City
Unified School DistrictPublic Schools of Petoskey (KG - 12)

Tax Bill & Assessment History

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

YearTax BillAssessed ValueAssessed Market Value
2026$345,700 (+16.71%) Land $345,700$691,400 (+16.71%) Land $691,400
2025$296,200 (+19.87%) Land $296,200$592,400 (+19.87%) Land $592,400
2024$13,154.00
2023$247,100 Land $247,100$494,200 Land $494,200

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