Emmet County property record for 401 E Lake St, Petoskey, MI 49770
| Property Type | Commercial |
|---|---|
| Lot Size | 0.044 acres (1,953 sqft) |
| Owner | Company Name on Record |
| Tax Bill | $5,473 (2024) |
| Deeds & Mortgages | May 2020 Mortgage May 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 52-19-05-101-035 |
| Primary APN | 52-19-05-101-035 |
|---|
| Fire Resistance | Fireproof Steel Frame |
|---|---|
| Lot Area | 1,953 sqft (0.044 acres) |
| Street Address | 401 E LAKE ST |
|---|---|
| City | PETOSKEY |
| State | MI |
| Zip | 49770-2419 |
| Property Category | Commercial |
| Property Type | Commercial > Retail |
| Local Zoning Code | COP B-2 |
| Legal Description | SHAW & MC MILLAN'S ADDITION, W 1/2 OF LOT 7, BLK 6. EXC N 60 FT THEREOF. SECTION 5, T34N, R5W |
| Legal Range | 05W |
| Legal Township | 34N |
| Legal Section | 05 |
| Legal Subdivision | SHAW & MCMILLANS ADD |
| Legal Block | 6 |
| Legal Lot Number | 7 |
| Jurisdiction | EMMET MI |
| Township / Civil Division | PETOSKEY |
| Census Block Group | 1 |
| Census Block | 1079 |
| Census Tract | 970700 |
Source: NPS National Register of Historic Places, as of August 1, 2026
| Historic District | Within the Petoskey Downtown Historic District (Additional Documentation) listed 1986 · 88 contributing resources · NRIS 86002048 |
|---|
Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.
Source: Emmet County records, as of July 21, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Company Name on Record |
|---|---|
| Mailing Address | 4 BELLE AVE, PETOSKEY, MI 49770-2429 |
| Owner Type | Company |
| Vesting | Trust |
| Date | Document |
|---|---|
| May 19, 2020 | Deed of Trust, Mortgage · Commercial Mortgage FIRST COMMUNITY BANK |
| May 19, 2020 | Deed of Trust, Mortgage · Commercial Mortgage FIRST COMMUNITY BANK |
| Deed of Trust, Mortgage |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | EMMET MI |
| Property Address | 401 E LAKE ST, PETOSKEY, MI 49770-2419 |
| Transaction Type | Mortgage |
| Record Updated | Feb 7, 2021 |
| Name | Verified Name |
|---|---|
| Address | 401 E LAKE ST, PETOSKEY, MI 49770-2419 |
| Document Number | 0000001221/0000000544 |
|---|---|
| Date | May 19, 2020 |
| Book Page | 0000001221/0000000544 |
| Instrument | 5174487 |
| Name | FIRST COMMUNITY BANK |
|---|
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | EMMET MI |
| Property Address | 401 E LAKE ST, PETOSKEY, MI 49770-2419 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|---|
| Address | 401 E LAKE ST, PETOSKEY, MI 49770-2419 |
| Document Number | 0000001221/0000000542 |
|---|---|
| Date | May 19, 2020 |
| Book Page | 0000001221/0000000542 |
| Instrument | 5174485 |
| Name | FIRST COMMUNITY BANK |
|---|
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | EMMET MI |
| Property Address | 401 E LAKE ST, PETOSKEY, MI 49770-2419 |
| Transaction Type | Mortgage |
| Record Updated | Jan 25, 2019 |
| Name | Verified Name |
|---|
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 | $170,000 (+10.68%) Land $170,000 | $340,000 (+10.68%) Land $340,000 | |
| 2024 | $5,473.00 | ||
| 2023 | $153,600 Land $153,600 | $307,200 Land $307,200 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
| Nearby Flood Policies | 4 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.
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 | None beyond ember reach |
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 508 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: AT&T.
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