4050 River Rd, Petoskey, MI 49770 Property Records

Emmet County property record for 4050 River Rd, Petoskey, MI 49770

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,404 sqft
Lot Size	0.69 acres (30,056 sqft)
Owner	Individual Name on File
Last Sale	$120,000 (Nov 2018)
Tax Bill	$2,138 (2024)
Deeds & Mortgages	Nov 2018 Mortgage Nov 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`01-19-28-200-016`

Property Details

APN / Parcel Number

Primary APN	`01-19-28-200-016`

Interior

Full Baths	2 Baths
Building Area	1,404 sqft Living Area
1st Floor Area	1,404 sqft

Exterior

Architectural Style	Ranch
Lot Area	30,056 sqft (0.69 acres)
Garage Area	432 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	4050 RIVER RD
City	PETOSKEY
State	MI
Zip	49770-9516
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	EC FF-1
Legal Description	PT OF NW 1/4 OF NE 1/4 COM AT N 1/4 COR, TH E 218.39 FT, S-22-26-31-E 188 FT TO POB, TH CONT S-22-26-31-E 114.71 FT, TH
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

Owner

Source: Emmet County records · APN 01-19-28-200-016

Assessment roll updated July 21, 2026 · Last verified July 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	4050 RIVER RD, PETOSKEY, MI 49770-9516
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 28, 2018	Deed of Trust, Mortgage CARDINAL FINANCIAL COMPANY, LP
Nov 18, 2020	Deed of Trust, Mortgage · Conventional Mortgage TCF NATIONAL BANK
Nov 28, 2018	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Nov 28, 2018 · Amount on Record
Deed Sale	Nov 28, 2018 · Amount on Record
Prior Sale	Jul 29, 1998 · Amount on Record
Deed Document Number	20185161213
Deed Book / Page	1208 / 320
Record Updated	Sep 20, 2026

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EMMET MI
Property Address	4050 RIVER RD, PETOSKEY, MI 49770-9516
Transaction Type	Mortgage
Record Updated	Feb 07, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000001208/0000000321
Date	Nov 28, 2018
Book Page	0000001208/0000000321
Instrument	000005161214

Lender

Name	CARDINAL FINANCIAL COMPANY, LP

Agreement

Amount	Amount Recorded
Term	350 Months
Due	Jan 01, 2048

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EMMET MI
Property Address	4050 RIVER RD, PETOSKEY, MI 49770-9516
Transaction Type	Mortgage
Record Updated	Feb 05, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4050 RIVER RD, PETOSKEY, MI 49770-9516

Mortgage

Document Number	0000001227/0000000251
Date	Nov 18, 2020
Book Page	0000001227/0000000251
Instrument	5180200

Lender

Name	TCF NATIONAL BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 01, 2050

November 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EMMET MI
Recording Date	Nov 28, 2018
Property Address	4050 RIVER RD, PETOSKEY, MI 49770-9516
Document Number	1208/320
Book / Page	1208 / 320
Instrument Date	Nov 21, 2018
Instrument	000005161213
Transaction Type	Transfer
Record Updated	Jun 22, 2021

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	777 HAYNER DR, PETOSKEY, MI 49770-8300

Tax Assessment & Valuation

Source: Emmet County records · Assessment roll updated July 21, 2026 · Last verified July 2026

Property Jurisdictions

Type	Name
State	Michigan
County	Emmet County
County Subdivision	Bear Creek Township
Unified School District	Public Schools of Petoskey (KG - 12)

Tax Bill & Assessment History

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		$127,200 (+39.17%) Land $4,700 Building $122,500	$254,400 (+39.17%) Land $9,400 Building $245,000
2024	$2,138.00
2023		$91,400 Land $3,300 Building $88,100	$182,800 Land $6,600 Building $176,200

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of May 31, 2022 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Wildfire

Wildfire Risk	Low lower than 80% of the US · above 51% of Michigan
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation at the parcel

Values are read at the parcel center point; lenders make the official flood determination.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Great Lakes Energy Connections Fiber	1,000 / 1,000
Spectrum Cable	1,000 / 35
Verizon Fixed Wireless	300 / 20

Based on FCC filings for 32 locations within half a mile of this property.

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