4092 Harborview Rdg, Petoskey, MI 49770 Property Records

Emmet County property record for 4092 Harborview Rdg, Petoskey, MI 49770

Property Summary

Property Type	Condominium
Details	3 bd · 3.5 ba · 2,385 sqft · built 2001
Lot Size	0.029 acres (1,292 sqft)
Owner	2 Individual Names on Record
Tax Bill	$26,563 (2024)
Deeds & Mortgages	Jan 2021 Mortgage Jul 2020 Sale
Flood Zone	Zone X (minimal risk)
APN	`52-18-10-201-123`

Property Details

APN / Parcel Number

Primary APN	`52-18-10-201-123`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Building Area	2,385 sqft Living Area
1st Floor Area	2,385 sqft
Basement Area	2,385 sqft
Unfinished Basement	2,385 sqft
Fireplaces	2 Fireplaces
Fireplace	Fireplace

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
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	4092 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 23. SECTION 10, T34N, R6W
Legal Range	06W
Legal Township	34N
Legal Section	10
Legal Subdivision	HARBORVIEW RIDGE CONDOMINIUM
Legal Unit	23
Jurisdiction	EMMET MI
Township / Civil Division	PETOSKEY
Census Block Group	1
Census Block	1037
Census Tract	970800

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	508 MAIN ST, A, EVANSVILLE, IN 47708-1605
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 12, 2021	Deed of Trust, Mortgage · Conventional Mortgage TCF NATIONAL BANK
Jul 28, 2020	Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 29, 2014
Deed Sale	Aug 29, 2014
Prior Sale	Oct 31, 2003
Deed Document Number	20145122211
Deed Book / Page	1169 / 444
Prior Transfer Date	Aug 28, 2014
Prior Transfer Doc	001169/443
Record Updated	Oct 29, 2026

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EMMET MI
Property Address	4092 HARBORVIEW RDG, PETOSKEY, MI 49770-8424
Transaction Type	Mortgage
Record Updated	Jul 11, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 27, HENDERSON, KY 42419-0027

Mortgage

Document Number	0000001228/0000000957
Date	Jan 12, 2021
Book Page	0000001228/0000000957
Instrument	5181926

Lender

Name	TCF NATIONAL BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jan 1, 2036

July 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	EMMET MI
Recording Date	Jul 28, 2020
Property Address	4092 HARBORVIEW RDG, PETOSKEY, MI 49770-8424
Document Number	001223/439
Book / Page	1223 / 439
Instrument Date	Jul 8, 2020
Instrument	5176382
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	PO BOX 27, HENDERSON, KY 42419-0027

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		$969,300 (+14.64%) Land $969,300	$1,938,600 (+14.64%) Land $1,938,600
2025		$845,500 (+46.53%) Land $845,500	$1,691,000 (+46.53%) Land $1,691,000
2024	$26,563.00
2023		$577,000 Land $577,000	$1,154,000 Land $1,154,000

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

Flood

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 Record 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

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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