4072 Harborview Rdg, Petoskey, MI 49770 Property Records

Emmet County property record for 4072 Harborview Rdg, Petoskey, MI 49770

Property Summary

Property Type	Condominium
Details	4 bd · 2.5 ba · 3,841 sqft · built 1999
Lot Size	0.027 acres (1,185 sqft)
Owner	Individual Name on File
Tax Bill	$24,129 (2024)
Deeds & Mortgages	Nov 2025 Sale May 2024 Sale + 3 more
Flood Zone	Zone X (minimal risk)
APN	`52-18-10-201-120`

Property Details

APN / Parcel Number

Primary APN	`52-18-10-201-120`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Building Area	3,841 sqft Living Area
1st Floor Area	2,736 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Architectural Style	Condo/Apartment
Lot Area	1,185 sqft (0.027 acres)
Garage Area	627 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	4072 HARBORVIEW RDG
City	PETOSKEY
State	MI
Zip	49770-8424
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	RT PUD-2
Legal Description	HARBORVIEW RIDGE CONDO, PLAN #162, UNIT 20. SECTION 10, T34N, R6W
Legal Range	06W
Legal Township	34N
Legal Section	10
Legal Subdivision	HARBOUR VIEW RIDGE
Legal Unit	20
Jurisdiction	EMMET MI
Township / Civil Division	PETOSKEY
Census Block Group	1
Census Block	1037
Census Tract	970800

Owner

4072 Harborview Rdg, a condominium, is owned by an individual who acquired it in November 2025.

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

Owner of Record	Individual Name on File
Mailing Address	815 ELLAIR PL, GROSSE POINTE PARK, MI 48230-1901
Owner Type	Individual
Vesting	Individual(s)

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
Nov 21, 2025	Warranty Deed, Transfer CROSSROADS TITLE
May 6, 2024	Warranty Deed, Transfer CROSSROADS TITLE
Apr 5, 2019	Deed of Trust, Mortgage · ARM UBS BANK USA
Jul 31, 2020	Deed, Transfer
Oct 6, 2017	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 21, 2025
Deed Sale	Nov 21, 2025
Prior Sale	May 6, 2024
Deed Document Number	20255224480
Deed Book / Page	1271 / 444
Prior Transfer Date	Oct 5, 2007
Prior Transfer Doc	001095/982
Record Updated	Oct 29, 2026

November 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EMMET MI
Recording Date	Nov 21, 2025
Property Address	4072 HARBORVIEW RDG, PETOSKEY, MI 49770-8424
Document Number	001271/444
Book / Page	1271 / 444
Instrument Date	Nov 13, 2025
Instrument	5224480
Transaction Type	Transfer
Record Updated	Dec 1, 2025
Title Company	CROSSROADS TITLE

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	815 ELLAIR PL, GROSSE POINTE PARK, MI 48230-1901

May 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EMMET MI
Recording Date	May 6, 2024
Property Address	4072 HARBORVIEW RDG, PETOSKEY, MI 49770-8424
Document Number	001259/410
Book / Page	1259 / 410
Instrument Date	Apr 26, 2024
Instrument	5212419
Transaction Type	Transfer
Record Updated	May 17, 2024
Title Company	CROSSROADS TITLE

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
Relationship	Living Trust
Address	386 PROVENCAL RD, GROSSE POINTE FARMS, MI 48236-2959

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EMMET MI
Property Address	4072 HARBORVIEW RDG, PETOSKEY, MI 49770-8424
Transaction Type	Mortgage
Record Updated	Jul 11, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001211/13
Date	Apr 5, 2019
Book Page	1211/13
Instrument	5163933

Lender

Name	UBS BANK USA
Type	Bank

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	May 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	3.75%
Type Change Date	May 1, 2029
Index	1-Year LIBOR

July 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	EMMET MI
Recording Date	Jul 31, 2020
Property Address	4072 HARBORVIEW RDG, PETOSKEY, MI 49770-8424
Document Number	001223/600
Book / Page	1223 / 600
Instrument Date	Jul 31, 2020
Instrument	5176543
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	1334 BALLYBUNION CT SE, GRAND RAPIDS, MI 49546-3800

October 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EMMET MI
Recording Date	Oct 6, 2017
Property Address	4072 HARBORVIEW RDG, PETOSKEY, MI 49770-8424
Document Number	01198/0369
Book / Page	1198 / 0369
Instrument Date	Oct 2, 2017
Instrument	5151245
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
Address	129 BLOCK ST, FRANKENMUTH, MI 48734-1963

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Living Trust
Address	17400 OAK HILL CT, NORTHVILLE, MI 48168-4369

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		$850,800 (+14.23%) Land $850,800	$1,701,600 (+14.23%) Land $1,701,600
2025		$744,800 Land $744,800	$1,489,600 Land $1,489,600
2024	$24,129.00
2023		$525,400 Land $525,400	$1,050,800 Land $1,050,800

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 4072 Harborview Rdg in Zone X, an area of minimal flood risk, within 500 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 500 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 4072 Harborview Rdg is low, with 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 80% of the US · above 51% of Michigan
Wildfire Likelihood	0.01% annual chance
Exposure	Indirect within ember reach

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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