3850 Peninsula Dr, Petoskey, MI 49770 Property Records

Emmet County property record for 3850 Peninsula Dr, Petoskey, MI 49770

Property Summary

Property Type	Condominium
Details	5 bd · 6 ba · 6,324 sqft · built 2013
Lot Size	0.788 acres (34,364 sqft)
Owner	Company Name on File
Tax Bill	$37,804 (2024)
Deeds & Mortgages	Nov 2025 Mortgage Nov 2025 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`52-18-03-375-126`

Property Details

APN / Parcel Number

Primary APN	`52-18-03-375-126`

Interior

Bedrooms	5 Beds
Full Baths	6 Baths
Building Area	6,324 sqft Living Area
1st Floor Area	3,614 sqft
Basement Area	3,614 sqft
Unfinished Basement	3,614 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2013
Effective Year Built	Effective 2013
Architectural Style	Condo/Apartment
Lot Area	34,364 sqft
Garage Area	1,079 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	3850 PENINSULA DR
City	PETOSKEY
State	MI
Zip	49770-8005
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	RT PUD-2
Legal Description	THE PENINSULA CONDOMINIUM, UNIT 26. PLAN #124. SECTION 3, T34N, R6W
Legal Range	06W
Legal Township	34N
Legal Section	03
Legal Subdivision	THE PENINSULA
Legal Unit	26
Jurisdiction	EMMET MI
Township / Civil Division	PETOSKEY
Census Block Group	1
Census Block	1025
Census Tract	970800

Owner

3850 Peninsula Dr, a condominium, is owned by a company that acquired it in November 2025.

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

Owner of Record	Company Name on File
Mailing Address	3980 BAUGHMAN GRANT, NEW ALBANY, IN 47150
Owner Type	Company
Vesting	Company

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
Nov 5, 2025	Deed of Trust, Mortgage · Conventional Mortgage LUMINATE BANK
Nov 5, 2025	Deed of Trust, Mortgage · Conventional Mortgage LUMINATE BANK
Nov 5, 2025	Warranty Deed, Transfer CROSSROADS TITLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 5, 2025
Deed Sale	Nov 5, 2025
Prior Sale	Apr 16, 2012 · Amount on File
Deed Document Number	20255224133
Deed Book / Page	1271 / 97
Record Updated	Oct 29, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EMMET MI
Property Address	3850 PENINSULA DR, PETOSKEY, MI 49770-8005
Transaction Type	Mortgage
Record Updated	Nov 24, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3980 BAUGHMAN GRANT, NEW ALBANY, OH 43054-8933

Mortgage

Document Number	0000001271/0000000098
Date	Nov 5, 2025
Book Page	0000001271/0000000098

Lender

Name	LUMINATE BANK

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	24 Months
Due	Jan 1, 2027

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EMMET MI
Property Address	3850 PENINSULA DR, PETOSKEY, MI 49770-8005
Transaction Type	Mortgage
Record Updated	Nov 17, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3980 BAUGHMAN GRANT, NEW ALBANY, OH 43054-8933

Mortgage

Document Number	0000001271/0000000098
Date	Nov 5, 2025
Book Page	0000001271/0000000098

Lender

Name	LUMINATE BANK

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	24 Months
Due	Jan 1, 2027

November 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EMMET MI
Recording Date	Nov 5, 2025
Property Address	3850 PENINSULA DR, PETOSKEY, MI 49770-8005
Document Number	0001271/97
Book / Page	1271 / 97
Instrument Date	Oct 17, 2025
Instrument	5224133
Transaction Type	Transfer
Record Updated	Nov 17, 2025
Title Company	CROSSROADS TITLE

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	3980 BAUGHMAN GRANT, NEW ALBANY, OH 43054-8933

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		$1,704,500 (+15.71%) Land $1,704,500	$3,409,000 (+15.71%) Land $3,409,000
2025		$1,473,100 Land $1,473,100	$2,946,200 Land $2,946,200
2024	$37,804.00
2023		$1,145,400 Land $1,145,400	$2,290,800 Land $2,290,800

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

Flood

FEMA maps place 3850 Peninsula Dr in Zone X, an area of minimal flood risk, within 100 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 100 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 3850 Peninsula 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.

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 79 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

May also be available: Truestream.

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