Emmet County property record for 3900 Joy Ln, Petoskey, MI 49770
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,390 sqft · built 2003 |
| Lot Size | 3.38 acres (147,294 sqft) |
| Owner | Individual Name on File |
| Last Sale | $45,000 (Dec 2002) |
| Tax Bill | $1,810 (2024) |
| Flood Zone | Zone X (minimal risk) |
| APN | 14-20-20-400-011 |
| Primary APN | 14-20-20-400-011 |
|---|
| Full Baths | 2 Baths |
|---|---|
| Building Area | 1,390 sqft Living Area |
| 1st Floor Area | 1,390 sqft |
| Basement Area | 1,390 sqft |
| Unfinished Basement | 1,390 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2003 |
|---|---|
| Effective Year Built | Effective 2003 |
| Lot Area | 147,294 sqft (3.38 acres) |
| Heating System | Forced Air with A/C |
|---|
| Street Address | 3900 JOY LN |
|---|---|
| City | PETOSKEY |
| State | MI |
| Zip | 49770-8846 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | EC FF-2 |
| Legal Description | COM 770 FT N OF SE COR OF SEC FOR POB, TH N ALG SEC LN 220 FT, W TO THREAD OF CREEK, S'LY ALG THREAD TO PT W OF POB, E TO POB. SECTION 20, T34N, R4W. |
| Legal Range | 04W |
| Legal Township | 34N |
| Legal Section | 20 |
| Jurisdiction | EMMET MI |
| Township / Civil Division | SPRINGVALE |
| Census Block Group | 4 |
| Census Block | 4035 |
| Census Tract | 970500 |
3900 Joy Ln is owned and occupied by an individual who bought it in December 2002.
Source: Emmet County records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 3900 JOY LN, PETOSKEY, MI 49770-8846 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
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 | Name on Deed |
|---|---|
| Last Sale | Dec 3, 2002 · Amount on File |
| Deed Sale | Dec 3, 2002 · Amount on File |
| Deed Book / Page | 919 / 252 |
| Record Updated | Oct 29, 2026 |
Source: Emmet County assessment roll, as of July 21, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Emmet County |
| County Subdivision | Springvale Township |
| Unified School District | Public Schools of Petoskey (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $166,600 Land $166,600 | $333,200 Land $333,200 | |
| 2024 | $1,810.00 | ||
| 2023 | $117,500 Land $117,500 | $235,000 Land $235,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3900 Joy Ln in Zone X, an area of minimal flood risk.
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 risk around 3900 Joy Ln 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 | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 8 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Truestream Fiber | 1,000 / 1,000 |
| Starlink Satellite | 280 / 30 |
5G and 4G LTE (outdoors only)
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