4070 Peninsula Dr, Petoskey, MI 49770 Property Records

Emmet County property record for 4070 Peninsula Dr, Petoskey, MI 49770

Property Summary

Property Type	Condominium
Details	7.5 ba · 8,970 sqft
Lot Size	0.988 acres (43,042 sqft)
Owner	Trust Name on File
Last Sale	$2,500,000 (Feb 2008)
Tax Bill	$91,980 (2024)
Deeds & Mortgages	Apr 2022 Mortgage Mar 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`52-18-03-375-115`

Property Details

APN / Parcel Number

Primary APN	`52-18-03-375-115`

Interior

Full Baths	7.5 Baths
Half Baths	5 Half Baths
Building Area	8,970 sqft Living Area
1st Floor Area	3,860 sqft
Basement Area	4,633 sqft
Unfinished Basement	4,633 sqft

Exterior

Architectural Style	Condo/Apartment
Lot Area	43,042 sqft
Garage Area	864 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	4070 PENINSULA DR
City	PETOSKEY
State	MI
Zip	49770-8010
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	RT PUD-2
Legal Description	THE PENINSULA CONDOMINIUM, UNIT 15. PLAN #124. SECTION 3, T34N, R6W
Legal Range	06W
Legal Township	34N
Legal Section	03
Legal Subdivision	THE PENINSULA
Legal Unit	15
Jurisdiction	EMMET MI
Township / Civil Division	PETOSKEY
Census Block Group	1
Census Block	1025
Census Tract	970800

Owner

4070 Peninsula Dr, a condominium, is owner-occupied and held in a trust since February 2008.

Source: Emmet County records, as of October 20, 2026

Owner of Record	Trust Name on File
Mailing Address	2600 W BIG BEAVER RD, 300, TROY, MI 48084-3312
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Apr 20, 2022	Deed of Trust, Mortgage · Conventional Mortgage HUNTINGTON NATIONAL BANK
Mar 23, 2020	Deed of Trust, Mortgage · Conventional Mortgage CHARLEVOIX STATE BANK
Oct 21, 2020	Warranty Deed, Transfer · Conventional Mortgage LEVEL ONE BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 29, 2008 · Amount on File
Deed Sale	Feb 29, 2008 · Amount on File
Prior Sale	Jul 21, 2003 · Amount on File
Deed Document Number	20085052392
Deed Book / Page	1099 / 990
Record Updated	Oct 29, 2026

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EMMET MI
Property Address	4070 PENINSULA DR, PETOSKEY, MI 49770-8010
Transaction Type	Mortgage
Record Updated	Jul 11, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2600 W BIG BEAVER RD, TROY, MI 48084-3323

Mortgage

Document Number	0000001243/0000000349
Date	Apr 20, 2022
Book Page	0000001243/0000000349
Instrument	5196321

Lender

Name	HUNTINGTON NATIONAL BANK

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	3.1%
Type Change Date	May 1, 2020

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EMMET MI
Property Address	4070 PENINSULA DR, PETOSKEY, MI 49770-8010
Transaction Type	Mortgage
Record Updated	Jul 11, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4070 PENINSULA DR, PETOSKEY, MI 49770-8010

Mortgage

Document Number	0000001220/0000000206
Date	Mar 23, 2020
Book Page	0000001220/0000000206
Instrument	5173150

Lender

Name	CHARLEVOIX STATE BANK

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EMMET MI
Recording Date	Oct 21, 2020
Property Address	4070 PENINSULA DR, PETOSKEY, MI 49770-8010
Document Number	001226/341
Book / Page	1226 / 341
Instrument Date	Oct 15, 2020
Instrument	5179290
Transaction Type	Transfer
Record Updated	Jul 11, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2600 W BIG BEAVER RD, TROY, MI 48084-3323

Mortgage

Document Number	0005179292
Date	Oct 21, 2020
Instrument	5179292

Lender

Name	LEVEL ONE BANK

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

Source: Emmet County assessment roll, as of July 21, 2026

Property Jurisdictions

Type	Name
State	Michigan
County	Emmet County
Municipality	Petoskey City
Unified School District	Public Schools of Petoskey (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$3,708,900 Land $3,708,900	$7,417,800 Land $7,417,800
2024	$91,980.00
2023		$1,181,000 Land $1,181,000	$2,362,000 Land $2,362,000

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 4070 Peninsula Dr in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 13 policies
Nearby Flood Policies	13 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.

Wildfire

Wildfire risk around 4070 Peninsula Dr is low, with less than 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 95% of the US · lower than 89% of Michigan
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 79 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: Truestream.

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