4076 Harborview Rdg, Petoskey, MI 49770 Property Records

Emmet County property record for 4076 Harborview Rdg, Petoskey, MI 49770

Property Summary

Property Type	Condominium
Details	3 bd · 4 ba · 2,380 sqft · built 1999
Lot Size	0.029 acres (1,292 sqft)
Owner	2 Individual Names on File
Last Sale	$953,000 (Dec 2000)
Tax Bill	$15,493 (2024)
Deeds & Mortgages	Feb 2025 Mortgage Feb 2025 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`52-18-10-201-119`

Property Details

APN / Parcel Number

Primary APN	`52-18-10-201-119`

Interior

Bedrooms	3 Beds
Full Baths	4 Baths
Building Area	2,380 sqft Living Area
1st Floor Area	2,380 sqft
Basement Area	2,380 sqft
Unfinished Basement	2,380 sqft
Fireplaces	2 Fireplaces
Fireplace	Fireplace

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Architectural Style	Condo/Apartment
Lot Area	1,292 sqft
Garage Area	426 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	4076 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 19. SECTION 10, T34N, R6W
Legal Range	06W
Legal Township	34N
Legal Section	10
Legal Subdivision	HARBORVIEW RIDGE CONDO
Legal Unit	19
Jurisdiction	EMMET MI
Township / Civil Division	PETOSKEY
Census Block Group	1
Census Block	1037
Census Tract	970800

Owner

4076 Harborview Rdg, a condominium, is owned and occupied by two individuals who bought it in December 2000.

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

Owner of Record	2 Individual Names on File
Mailing Address	4076 HARBORVIEW RDG, PETOSKEY, MI 49770-8424
Occupancy	Owner Occupied
Owner Type	Individual

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
Feb 5, 2025	Deed of Trust, Mortgage · Conventional Mortgage LONGBRIDGE FINANCIAL
Feb 5, 2025	Deed of Trust, Mortgage · Conventional Mortgage LONGBRIDGE FINANCIAL
Dec 9, 2025	Deed of Trust, Mortgage · Conventional Mortgage LONGBRIDGE FINANCIAL
Dec 9, 2025	Deed of Trust, Mortgage · Conventional Mortgage LONGBRIDGE FINANCIAL
Sep 1, 2023	Deed of Trust, Mortgage · Conventional Mortgage LONGBRIDGE FINANCIAL
Aug 8, 2018	Deed of Trust, Mortgage CHEMICAL BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 1, 2000 · Amount on File
Deed Sale	Dec 1, 2000 · Amount on File
Prior Sale	Jun 4, 1996 · Amount on File
Record Updated	Oct 29, 2026

February 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EMMET MI
Property Address	4076 HARBORVIEW RDG, PETOSKEY, MI 49770-8424
Transaction Type	Mortgage
Record Updated	May 18, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4076 HARBORVIEW RDG, PETOSKEY, MI 49770-8424

Mortgage

Document Number	0000001264/0000000967
Date	Feb 5, 2025
Book Page	0000001264/0000000967
Instrument	5217997

Lender

Name	LONGBRIDGE FINANCIAL

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	803 Months
Due	Jan 1, 2092

February 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EMMET MI
Property Address	4076 HARBORVIEW RDG, PETOSKEY, MI 49770-8424
Transaction Type	Mortgage
Record Updated	May 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4076 HARBORVIEW RDG, PETOSKEY, MI 49770-8424

Mortgage

Document Number	0000001264/0000000967
Date	Feb 5, 2025
Book Page	0000001264/0000000967
Instrument	5217997

Lender

Name	LONGBRIDGE FINANCIAL

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	803 Months
Due	Jan 1, 2092

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EMMET MI
Property Address	4076 HARBORVIEW RDG, PETOSKEY, MI 49770-8424
Transaction Type	Mortgage
Record Updated	Dec 29, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4076 HARBORVIEW RDG, PETOSKEY, MI 49770-8424

Mortgage

Document Number	0000001271/0000000786
Date	Dec 9, 2025
Book Page	0000001271/0000000786
Instrument	5224822

Lender

Name	LONGBRIDGE FINANCIAL

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	793 Months
Due	Jan 1, 2092

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EMMET MI
Property Address	4076 HARBORVIEW RDG, PETOSKEY, MI 49770-8424
Transaction Type	Mortgage
Record Updated	Dec 22, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4076 HARBORVIEW RDG, PETOSKEY, MI 49770-8424

Mortgage

Document Number	0000001271/0000000786
Date	Dec 9, 2025
Book Page	0000001271/0000000786
Instrument	5224822

Lender

Name	LONGBRIDGE FINANCIAL

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	793 Months
Due	Jan 1, 2092

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EMMET MI
Property Address	4076 HARBORVIEW RDG, PETOSKEY, MI 49770-8424
Transaction Type	Mortgage
Record Updated	Sep 8, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4076 HARBORVIEW RDG, PETOSKEY, MI 49770-8424

Mortgage

Document Number	0000001254/0000000489
Date	Sep 1, 2023
Book Page	0000001254/0000000489
Instrument	5207480

Lender

Name	LONGBRIDGE FINANCIAL

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	820 Months
Due	Jan 1, 2092

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EMMET MI
Property Address	4076 HARBORVIEW RDG, PETOSKEY, MI 49770-8424
Transaction Type	Mortgage
Record Updated	Jul 11, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000001205/0000000642
Date	Aug 8, 2018
Book Page	0000001205/0000000642
Instrument	000000558538

Lender

Name	CHEMICAL BANK
Type	Bank

Agreement

Amount	Amount on Record
Term	173 Months
Due	Jan 1, 2033

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		$830,100 (+14.43%) Land $830,100	$1,660,200 (+14.43%) Land $1,660,200
2025		$725,400 Land $725,400	$1,450,800 Land $1,450,800
2024	$15,493.00
2023		$515,300 Land $515,300	$1,030,600 Land $1,030,600

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

Flood

FEMA maps place 4076 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 4076 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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