Emmet County property record for 3950 Joy Ln, Petoskey, MI 49770
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,518 sqft · built 1985 |
| Lot Size | 1.9 acres (83,034 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $2,312 (2024) |
| Flood Zone | Zone X (minimal risk) |
| APN | 14-20-20-400-009 |
| Primary APN | 14-20-20-400-009 |
|---|
| Full Baths | 2 Baths |
|---|---|
| Building Area | 1,518 sqft Living Area |
| 1st Floor Area | 1,098 sqft |
| Basement Area | 600 sqft |
| Unfinished Basement | 600 sqft |
| Year Built | Built 1985 |
|---|---|
| Effective Year Built | Effective 1985 |
| Lot Area | 83,034 sqft (1.9 acres) |
| Garage Area | 1,280 sqft |
| Heating System | Forced Air with A/C |
|---|
| Street Address | 3950 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 250 FT N OF SE COR OF SEC TH N 270 FT, W 450 FT, SE'LY 300 FT M/L TO PT 230 FT W OF POB, TH E 230 FT 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 |
3950 Joy Ln is owned and occupied by an individual.
Source: Emmet County records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 3950 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 |
|---|---|
| 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 | $158,100 Land $158,100 | $316,200 Land $316,200 | |
| 2024 | $2,312.00 | ||
| 2023 | $116,100 Land $116,100 | $232,200 Land $232,200 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3950 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 3950 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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