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409 E Lake St, Petoskey, MI 49770 Property Records

Emmet County property record for 409 E Lake St, Petoskey, MI 49770 · Last verified July 2026

Property Summary

Property TypeCommercial
Details1,945 sqft
Lot Size0.079 acres (3,450 sqft)
OwnerIndividual Name on File
Last Sale$325,000 (May 2023)
Tax Bill$12,079 (2024)
Deeds & MortgagesMay 2023 Sale & Mortgage
Apr 2021 Mortgage
Flood ZoneZone X (minimal risk)
APN52-19-05-101-028

Property Details

APN / Parcel Number

Primary APN52-19-05-101-028

Interior

Stories2 Stories
Building Area1,945 sqft Total Area
1st Floor Area2,917 sqft

Exterior

Fire ResistanceMasonry Walls, Wood Interior
Lot Area3,450 sqft (0.079 acres)

Location & Zoning

Street Address409 E LAKE ST
CityPETOSKEY
StateMI
Zip49770-2419
Property CategoryCommercial
Property TypeCommercial > Retail
Legal DescriptionSHAW & MC MILLAN'S ADDITION, PT OF LOTS 8 & 9, BLK 6, COM AT SE COR OF LOT 10, BLK 6, TH ALG N LN OF LAKE ST, S89?43'20"W
Legal Range05W
Legal Township34N
Legal Section05
Legal SubdivisionSHAW AND MCMILLIANS ADDITION
Legal Block6
Legal Lot Number8-10
JurisdictionEMMET MI
Township / Civil DivisionPETOSKEY
Census Block Group1
Census Block1079
Census Tract970700

Owner

Source: Emmet County records · APN 52-19-05-101-028

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 RecordIndividual Name on File
Mailing Address711 OVERHILL RD, BLOOMFIELD HILLS, MI 48301-2571
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
May 19, 2023Warranty Deed, Transfer · Conventional Mortgage
HONOR BANK
Apr 05, 2021Deed of Trust, Mortgage · Conventional Mortgage
TCF NATIONAL BANK

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleMay 19, 2023 · Amount on Record
Deed SaleMay 19, 2023 · Amount on Record
Prior SaleJan 27, 2016 · Amount on Record
Deed Document Number20235205245
Deed Book / Page1252 / 260
Record UpdatedSep 20, 2026

May 2023: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionEMMET MI
Recording DateMay 19, 2023
Property Address409 E LAKE ST, PETOSKEY, MI 49770-2419
Document Number001252/260
Book / Page1252 / 260
Instrument DateMay 04, 2023
Instrument5205245
Transaction TypeTransfer
Record UpdatedMay 26, 2023

Transaction

AmountAmount Recorded
Loan-to-Value (LTV)LTV on Record
Tax$0.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address711 OVERHILL RD, BLOOMFIELD HILLS, MI 48301-2571

Mortgage

Document Number0005205246
DateMay 19, 2023
Instrument5205246
Lender
NameHONOR BANK
Agreement
TypeConventional Mortgage
AmountAmount Recorded

April 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionEMMET MI
Property Address409 E LAKE ST, PETOSKEY, MI 49770-2419
Transaction TypeMortgage
Record UpdatedAug 12, 2022

Transferred To (Grantee/Buyer)

NameVerified Name
Address409 E LAKE ST, PETOSKEY, MI 49770-2419

Mortgage

Document Number0000001231/0000000564
DateApr 05, 2021
Book Page0000001231/0000000564
Instrument5184530
Lender
NameTCF NATIONAL BANK
Agreement
TypeConventional Mortgage
AmountAmount Recorded

Tax Assessment & Valuation

Source: Emmet County records · Assessment roll updated July 21, 2026 · Last verified July 2026

Property Jurisdictions

TypeName
StateMichigan
CountyEmmet County
MunicipalityPetoskey City
Unified School DistrictPublic Schools of Petoskey (KG - 12)

Tax Bill & Assessment History

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

YearTax BillAssessed ValueAssessed Market Value
2026$263,300 (+29.01%) Building $263,300$526,600 (+29.01%) Building $526,600
2024$12,079.00
2023$204,100 Building $204,100$408,200 Building $408,200

Flood & Wildfire

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

Flood

FEMA Flood ZoneZone X
Flood HazardMinimal
500-Year FloodplainNo
Special Flood Hazard AreaNo

Wildfire

Wildfire RiskNot rated
no burnable land in reach
Wildfire LikelihoodNegligible
ExposureNone
beyond ember reach

Values are read at the parcel center point; lenders make the official flood determination.

Historic Designation

Source: NPS National Register of Historic Places · August 1, 2026 release · Last verified October 2026

Historic DistrictWithin 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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