Emmet County property record for 3728 Cliffs Dr, Petoskey, MI 49770 · Last verified July 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Lot Size | 14,699 sqft (0.337 acres) |
| Tax Bill | $18,025.00 (2024) |
Source: Emmet County records · APN 52-18-03-475-111
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 Record | 2 Company Names on File |
|---|---|
| Mailing Address | 31115 STAFFORD ST, BEVERLY HILLS, MI 48025-3759 |
| Owner Type | Owner is a Company |
| Vesting | Life Estate |
| Date | Document |
|---|---|
| Sep 05, 2023 | Deed of Trust, Mortgage · Conventional Mortgage COMMERCIAL BANK |
| Nov 28, 2022 | Quit Claim Deed, Transfer Quitclaim Document |
| Nov 10, 2021 | Warranty Deed, Transfer |
| Nov 10, 2021 | Warranty Deed, Transfer |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Transfer Date | Oct 27, 2022 |
| Transfer Doc | 001248/719 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | EMMET MI |
| Property Address | 3728 CLIFFS DR, PETOSKEY, MI 49770-8587 |
| Transaction Type | Mortgage |
| Record Updated | Sep 15, 2023 |
| Name | Verified Name |
|---|---|
| Address | 3728 CLIFFS DR, PETOSKEY, MI 49770-8587 |
| Document Number | 0000001254/0000000527 |
|---|---|
| Date | Sep 05, 2023 |
| Book Page | 0000001254/0000000527 |
| Instrument | 5207538 |
| Name | COMMERCIAL BANK |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 01, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.75% |
| Type Change Date | Sep 01, 2020 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | EMMET MI |
| Recording Date | Nov 28, 2022 |
| Property Address | 3728 CLIFFS DR, PETOSKEY, MI 49770-8587 |
| Document Number | 001248/719 |
| Book / Page | 1248 / 719 |
| Instrument Date | Oct 27, 2022 |
| Instrument | 5201689 |
| Transaction Type | Transfer |
| Record Updated | Jul 11, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Zero or No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3115 STAFFORD ST, BEVERLY HILLS, MI 48025 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | EMMET MI |
| Recording Date | Nov 10, 2021 |
| Property Address | 3728 CLIFFS DR, PETOSKEY, MI 49770-8587 |
| Document Number | 001238/931 |
| Book / Page | 1238 / 931 |
| Instrument Date | Sep 17, 2021 |
| Instrument | 5191893 |
| Transaction Type | Transfer |
| Record Updated | Jul 11, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Zero or No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1135 SHELBY ST, DETROIT, MI 48226-2639 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | EMMET MI |
| Recording Date | Nov 10, 2021 |
| Property Address | 3728 CLIFFS DR, PETOSKEY, MI 49770-8587 |
| Document Number | 001238/930 |
| Book / Page | 1238 / 930 |
| Instrument Date | Sep 17, 2021 |
| Instrument | 5191892 |
| Transaction Type | Transfer |
| Record Updated | Jul 11, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Zero or No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 4000 MAIN ST, BAY HARBOR, MI 49770-8045 |
Source: Emmet County records · Assessment roll updated July 21, 2026 · Last verified July 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Emmet County |
| Municipality | Petoskey City |
| Unified School District | Public Schools of Petoskey (KG - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $819,600 (+9.84%) Land $819,600 | $1,639,200 (+9.84%) Land $1,639,200 | |
| 2025 | $746,200 (+128.97%) Land $746,200 | $1,492,400 (+128.97%) Land $1,492,400 | |
| 2024 | $18,025.00 | ||
| 2023 | $325,900 Land $325,900 | $651,800 Land $651,800 |
Source: FEMA National Flood Hazard Layer, Emmet County (26047C), updated May 31, 2022 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified: October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Wildfire Risk | Low above 20% of the US · above 52% of Michigan |
|---|---|
| Wildfire Likelihood | About 1 in 10,000 per year |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values are read at the parcel center point; lenders make the official flood determination.
| Primary APN | 52-18-03-475-111 |
|---|
| Lot Area | 14,699 sqft (0.337 acres) |
|---|
| Street Address | 3728 CLIFFS DR |
|---|---|
| City | PETOSKEY |
| State | MI |
| Zip | 49770-8587 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | THE RIDGE AT BAY HARBOR, PLAN #372, UNIT 11. SECTION 3, T34N, R6W |
| Legal Range | 06W |
| Legal Township | 34N |
| Legal Section | 03 |
| Legal Subdivision | THE RIDGE AT BAY HARBOR CONDOMINIUM |
| Legal Unit | 11 |
| Jurisdiction | EMMET MI |
| Minor Civil Division | PETOSKEY |
| Census Blockgroup | 1 |
| Census Block | 1025 |
| Census Tract | 970800 |
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