Emmet County property record for 3644 Cliffs Dr, Petoskey, MI 49770
| Property Type | Condominium |
|---|---|
| Details | 4 bd · 4 ba · 1,888 sqft · built 1997 |
| Lot Size | 0.02 acres (883 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $430,500 (Jun 1998) |
| Tax Bill | $9,969 (2024) |
| Deeds & Mortgages | Jul 2026 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 52-18-02-365-133 |
| Primary APN | 52-18-02-365-133 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 4 Baths |
| Building Area | 1,888 sqft Living Area |
| 1st Floor Area | 1,870 sqft |
| Basement Area | 1,551 sqft |
| Unfinished Basement | 1,551 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1997 |
|---|---|
| Effective Year Built | Effective 1997 |
| Architectural Style | Condo/Apartment |
| Lot Area | 883 sqft |
| Garage Area | 408 sqft |
| Heating System | Forced Air with A/C |
|---|
| Street Address | 3644 CLIFFS DR |
|---|---|
| City | PETOSKEY |
| State | MI |
| Zip | 49770-8586 |
| 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 33 & G-34. SECTION 2, T34N, R6W |
| Legal Range | 06W |
| Legal Township | 34N |
| Legal Section | 02 |
| Legal Subdivision | CLIFFS AT BAY HARBOR CONDO |
| Legal Unit | 33 |
| Jurisdiction | EMMET MI |
| Township / Civil Division | PETOSKEY |
| Census Block Group | 1 |
| Census Block | 1025 |
| Census Tract | 970800 |
3644 Cliffs Dr, a condominium, is owned by two individuals who acquired it in June 2026.
Source: Emmet County records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 22655 AUTUMN PARK BLVD, NOVI, MI 48374-3641 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 22, 1998 · Amount on File |
| Deed Sale | Jun 22, 1998 · Amount on File |
| Prior Sale | Jul 1, 1997 · Amount on File |
| Last Transfer Date | Jun 18, 2026 |
| Transfer Doc | 0005229416 |
| Record Updated | Oct 29, 2026 |
| Document Type | Personal Representative Deed |
|---|---|
| Jurisdiction | EMMET MI |
| Recording Date | Jul 14, 2026 |
| Property Address | 3644 CLIFFS DR, PETOSKEY, MI 49770-8586 |
| Document Number | 0005229416 |
| Book / Page | 1276 / 368 |
| Instrument Date | Jun 18, 2026 |
| Instrument | 20265229416 |
| Transaction Type | Transfer |
| Record Updated | Aug 31, 2026 |
| Tax | $0.00 |
|---|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 22655 AUTUMN PARK BLVD, NOVI, MI 48374-3641 |
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 | $435,800 Land $435,800 | $871,600 Land $871,600 | |
| 2024 | $9,969.00 | ||
| 2023 | $296,800 Land $296,800 | $593,600 Land $593,600 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3644 Cliffs Dr in Zone X, an area of minimal flood risk.
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 |
|---|---|
| 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 3644 Cliffs Dr is low, with 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 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.
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 |
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