Emmet County property record for 4044 River Rd, Petoskey, MI 49770 · Last verified August 2026
| Property Type | Single Family Home |
|---|---|
| Lot Size | 0.66 acres (28,750 sqft) |
| Owner | Individual Name on File |
| Last Sale | $43,000 (Dec 2021) |
| Tax Bill | $1,026 (2024) |
| Deeds & Mortgages | Jul 2026 Mortgage Dec 2021 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 01-19-28-200-017 |
| Primary APN | 01-19-28-200-017 |
|---|
| Lot Area | 28,750 sqft (0.66 acres) |
|---|
| Street Address | 4044 RIVER RD |
|---|---|
| City | PETOSKEY |
| State | MI |
| Zip | 49770-9516 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | COM AT N 1/4 COR OF SEC, TH E 218.39 FT TO POB, TH CONT E 183.3 FT TO W LN OF RIVER RD, TH S-22-58-E 239.18 FT ALG SD RD, TH S-78-20-58-W 172.7 FT, TH N-22-58-W 275.44 FT TO POB. .66 AC M/L SECTION 28, T34N, R5W. |
| Legal Range | 05W |
| Legal Township | 34N |
| Legal Section | 28 |
| Jurisdiction | EMMET MI |
| Township / Civil Division | BEAR CREEK |
| Census Block Group | 2 |
| Census Block | 2013 |
| Census Tract | 970600 |
Source: Emmet County records · APN 01-19-28-200-017
Assessment roll updated July 21, 2026 · Last verified August 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 4044 RIVER RD, PETOSKEY, MI 49770-9516 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 17, 2026 | Deed of Trust, Mortgage ROCKET MORTGAGE LLC |
| Dec 03, 2021 | Warranty Deed, Transfer · Conventional Mortgage HOME POINT FINANCIAL |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Dec 03, 2021 · Amount on Record |
| Deed Sale | Dec 03, 2021 · Amount on Record |
| Prior Sale | May 21, 2001 · Amount on Record |
| Deed Document Number | 20215192580 |
| Deed Book / Page | 1239 / 619 |
| Prior Transfer Date | Nov 29, 2021 |
| Prior Transfer Doc | 001239/619 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | EMMET MI |
| Recording Date | Jul 17, 2026 |
| Property Address | 4044 RIVER RD, PETOSKEY, MI 49770-9516 |
| Document Number | 0005229517 |
| Book / Page | 1276 / 463 |
| Instrument Date | Jul 13, 2026 |
| Instrument | 20265229517 |
| Transaction Type | Mortgage |
| Record Updated | Aug 12, 2026 |
| Title Company | ATA NATIONAL TITLE GROUP LLC |
| Name | Verified Name |
|---|---|
| Address | 4044 RIVER RD, PETOSKEY, MI 49770-9516 |
| Document Number | 0005229517, |
|---|---|
| Date | Jul 17, 2026 |
| Book Page | 1276/463 |
| Instrument | 20265229517 |
| Name | ROCKET MORTGAGE LLC |
|---|
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Aug 01, 2056 |
| Rate | 6.52% |
|---|---|
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | EMMET MI |
| Recording Date | Dec 03, 2021 |
| Property Address | 4044 RIVER RD, PETOSKEY, MI 49770-9516 |
| Document Number | 001239/619 |
| Book / Page | 1239 / 619 |
| Instrument Date | Nov 29, 2021 |
| Instrument | 5192580 |
| Transaction Type | Transfer |
| Record Updated | Dec 27, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 4044 RIVER RD, PETOSKEY, MI 49770-9516 |
| Document Number | 0005192581 |
|---|---|
| Date | Dec 03, 2021 |
| Instrument | 5192581 |
| Name | HOME POINT FINANCIAL |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 169 Months |
| Due | Jan 01, 2036 |
Source: Emmet County records · Assessment roll updated July 21, 2026 · Last verified August 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Emmet County |
| County Subdivision | Bear Creek Township |
| 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 | $93,000 (+9.28%) Land $93,000 | $186,000 (+9.28%) Land $186,000 | |
| 2025 | $85,100 (+45.47%) Land $85,100 | $170,200 (+45.47%) Land $170,200 | |
| 2024 | $1,026.00 | ||
| 2023 | $58,500 Land $58,500 | $117,000 Land $117,000 |
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 |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Wildfire Risk | Low above 20% of the US · above 52% of Michigan |
|---|---|
| Wildfire Likelihood | About 1 in 10,000 per year |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 32 locations within about half a mile of this property
| Provider | Technology | Download / Upload (Mbps) |
|---|---|---|
| Great Lakes Energy Connections | Fiber | 1,000 / 1,000 |
| Spectrum | Cable | 1,000 / 35 |
| Verizon | Fixed Wireless | 300 / 20 |
Availability varies by address; speeds are provider-advertised maximums, not measured.
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