4088 Harborview Rdg, Petoskey, MI 49770 Property Records

Emmet County property record for 4088 Harborview Rdg, Petoskey, MI 49770

Property Summary

Property Type	Condominium
Details	3 bd · 2.5 ba · 3,162 sqft · built 1999
Lot Size	0.027 acres (1,180 sqft)
Owner	Individual Name on File
Last Sale	$785,000 (Aug 2014)
Tax Bill	$21,679 (2024)
Deeds & Mortgages	Dec 2020 Mortgage Oct 2019 Refinance
Flood Zone	Zone X (minimal risk)
APN	`52-18-10-201-124`

Property Details

APN / Parcel Number

Primary APN	`52-18-10-201-124`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Building Area	3,162 sqft Living Area
1st Floor Area	2,741 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Architectural Style	Condo/Apartment
Lot Area	1,180 sqft
Garage Area	627 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	4088 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 24. SECTION 10, T34N, R6W
Legal Range	06W
Legal Township	34N
Legal Section	10
Legal Subdivision	HARBORVIEW RIDGE
Legal Unit	24
Jurisdiction	EMMET MI
Township / Civil Division	PETOSKEY
Census Block Group	1
Census Block	1037
Census Tract	970800

Owner

4088 Harborview Rdg, a condominium, is owned by an individual who bought it in August 2014.

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

Owner of Record	Individual Name on File
Mailing Address	2756 TURTLE LAKE DR, BLOOMFIELD HILLS, MI 48302-0753
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
Dec 3, 2020	Deed of Trust, Mortgage · Conventional Mortgage LEVEL ONE BANK
Oct 4, 2019	Warranty Deed, Transfer · Stand-Alone Refinance INDEPENDENT BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 13, 2014 · Amount on File
Deed Sale	Aug 13, 2014 · Amount on File
Prior Sale	May 20, 2013
Deed Document Number	20145121672
Deed Book / Page	1168 / 904
Record Updated	Oct 29, 2026

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EMMET MI
Property Address	4088 HARBORVIEW RDG, PETOSKEY, MI 49770-8424
Transaction Type	Mortgage
Record Updated	Jul 11, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4088 HARBORVIEW RDG, PETOSKEY, MI 49770-8424

Mortgage

Document Number	0000001227/0000000697
Date	Dec 3, 2020
Book Page	0000001227/0000000697
Instrument	5180646

Lender

Name	LEVEL ONE BANK

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2050

October 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EMMET MI
Recording Date	Oct 4, 2019
Property Address	4088 HARBORVIEW RDG, PETOSKEY, MI 49770-8424
Document Number	001215/734
Book / Page	1215 / 734
Instrument Date	Sep 13, 2019
Instrument	5168656
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	2756, BLOOMFIELD HILLS

Mortgage

Document Number	001215/735
Date	Oct 4, 2019
Book Page	1215/735
Instrument	5168857

Lender

Name	INDEPENDENT BANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2049

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		$739,400 Land $739,400	$1,478,800 Land $1,478,800
2024	$21,679.00
2023		$473,200 Land $473,200	$946,400 Land $946,400

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

Flood

FEMA maps place 4088 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 4088 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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