Emmet County property record for 406 E Lake St, Petoskey, MI 49770 · Last verified July 2026
| Property Type | Commercial |
|---|---|
| Details | 7,512 sqft |
| Lot Size | 0.1 acres (4,356 sqft) |
| Owner | Company Name on File |
| Tax Bill | $22,596 (2024) |
| Deeds & Mortgages | Dec 2021 Mortgage Oct 2021 Sale + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 52-19-05-101-037 |
| Primary APN | 52-19-05-101-037 |
|---|
| Building Area | 7,512 sqft Total Area |
|---|---|
| 1st Floor Area | 3,756 sqft |
| Fire Resistance | Masonry Walls, Wood Interior |
|---|---|
| Lot Area | 4,356 sqft (0.1 acres) |
| Street Address | 406 E LAKE ST |
|---|---|
| City | PETOSKEY |
| State | MI |
| Zip | 49770-2420 |
| Property Category | Commercial |
| Property Type | Commercial > Retail |
| Legal Description | SHAW & MC MILLAN'S ADDITION COM 28.5 FT E OF NW COR OF LOT 1 BLK 7, TH E 47.5 FT, S 60 FT, E TO E LINE BLK 7 SE'LY ALG SAME |
| Legal Range | 05W |
| Legal Township | 34N |
| Legal Section | 05 |
| Legal Subdivision | SHAW & MCMILLANS ADD |
| Legal Block | 7 |
| Legal Lot Number | 1-2 |
| Jurisdiction | EMMET MI |
| Township / Civil Division | PETOSKEY |
| Census Block Group | 2 |
| Census Block | 2006 |
| Census Tract | 970700 |
Source: Emmet County records · APN 52-19-05-101-037
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 | Company Name on File |
|---|---|
| Mailing Address | PO BOX 676, PETOSKEY, MI 49770-0676 |
| Owner Type | Company |
| Vesting | Company |
| Date | Document |
|---|---|
| Dec 03, 2021 | Deed of Trust, Mortgage · Commercial Mortgage FIRST COMMUNITY BANK |
| Oct 29, 2021 | Warranty Deed, Transfer |
| Sep 10, 2021 | Deed of Trust, Mortgage · Conventional Mortgage CITIZENS NATIONAL BANK OF CHEBOYGAN |
| Deed Names | Verified Name on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | EMMET MI |
| Property Address | 406 E LAKE ST, PETOSKEY, MI 49770-2420 |
| Transaction Type | Mortgage |
| Record Updated | Dec 27, 2021 |
| Name | Verified Name |
|---|---|
| Address | 320 HOWARD ST, PETOSKEY, MI 49770-2458 |
| Document Number | 0000001239/0000000609 |
|---|---|
| Date | Dec 03, 2021 |
| Book Page | 0000001239/0000000609 |
| Instrument | 5192570 |
| Name | FIRST COMMUNITY BANK |
|---|
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | EMMET MI |
| Recording Date | Oct 29, 2021 |
| Property Address | 406 E LAKE ST, PETOSKEY, MI 49770-2420 |
| Document Number | 1238/489 |
| Book / Page | 1238 / 489 |
| Instrument Date | Oct 27, 2021 |
| Instrument | 5191451 |
| Transaction Type | Transfer |
| Record Updated | Nov 15, 2021 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 320 HOWARD ST, PETOSKEY, MI 49770-2458 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | EMMET MI |
| Property Address | 406 E LAKE ST, PETOSKEY, MI 49770-2420 |
| Transaction Type | Mortgage |
| Record Updated | Sep 28, 2021 |
| Name | Verified Name |
|---|---|
| Address | 410 PETOSKEY ST, PETOSKEY, MI 49770-2618 |
| Document Number | 0000001236/0000000949 |
|---|---|
| Date | Sep 10, 2021 |
| Book Page | 0000001236/0000000949 |
| Instrument | 5189941 |
| Name | CITIZENS NATIONAL BANK OF CHEBOYGAN |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
Source: Emmet County records · Assessment roll updated July 21, 2026 · Last verified July 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Emmet County |
| Municipality | Petoskey City |
| 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 | $458,400 (+9.93%) Land $700 Building $457,700 | $916,800 (+9.93%) Land $1,400 Building $915,400 | |
| 2024 | $22,596.00 | ||
| 2023 | $417,000 Land $500 Building $416,500 | $834,000 Land $1,000 Building $833,000 |
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 |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Wildfire Risk | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach |
Values are read at the parcel center point; lenders make the official flood determination.
Source: NPS National Register of Historic Places · August 1, 2026 release · Last verified October 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.
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