411 Monroe St, Petoskey, MI 49770 Property Records

Emmet County property record for 411 Monroe St, Petoskey, MI 49770

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 798 sqft · built 1930
Lot Size	0.165 acres (7,215 sqft)
Owner	Individual Name on File
Last Sale	$132,000 (Apr 2018)
Tax Bill	$2,462 (2024)
Deeds & Mortgages	Apr 2018 Mortgage Apr 2018 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`52-19-06-127-099`

Property Details

APN / Parcel Number

Primary APN	`52-19-06-127-099`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Building Area	798 sqft Living Area
1st Floor Area	638 sqft
Basement Area	638 sqft
Unfinished Basement	638 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1930
Effective Year Built	Effective 1930
Lot Area	7,215 sqft (0.165 acres)
Garage Area	264 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	411 MONROE ST
City	PETOSKEY
State	MI
Zip	49770-2234
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	COP RM-2
Legal Description	PLAT OF EMMET CITY, LOT 3, BLK 10. INC 1/2 OF VACTED ADJ ALLEY. SECTION 6, T34N R5W
Legal Range	05W
Legal Township	34N
Legal Section	06
Legal Subdivision	EMMET CITY
Legal Block	10
Legal Lot Number	3
Jurisdiction	EMMET MI
Township / Civil Division	PETOSKEY
Census Block Group	1
Census Block	1015
Census Tract	970800

Owner

411 Monroe St is owned and occupied by an individual who bought it in April 2018.

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

Owner of Record	Individual Name on File
Mailing Address	411 MONROE ST, PETOSKEY, MI 49770-2234
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
Apr 24, 2018	Deed of Trust, Mortgage CHEMICAL BANK
Apr 24, 2018	Deed of Trust, Mortgage MICHIGAN STATE HSNG
Apr 24, 2018	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 24, 2018 · Amount on File
Deed Sale	Apr 24, 2018 · Amount on File
Deed Document Number	20185156001
Deed Book / Page	1203 / 105
Record Updated	Oct 29, 2026

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EMMET MI
Property Address	411 MONROE ST, PETOSKEY, MI 49770-2234
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000001203/0000000106
Date	Apr 24, 2018
Book Page	0000001203/0000000106
Instrument	000005156002

Lender

Name	CHEMICAL BANK
Type	Bank

Agreement

Amount	Amount on Record
Term	357 Months
Due	Jan 1, 2048

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EMMET MI
Property Address	411 MONROE ST, PETOSKEY, MI 49770-2234
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000001203/0000000107
Date	Apr 24, 2018
Book Page	0000001203/0000000107
Instrument	000005156003

Lender

Name	MICHIGAN STATE HSNG

Agreement

Amount	Amount on Record

April 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EMMET MI
Recording Date	Apr 24, 2018
Property Address	411 MONROE ST, PETOSKEY, MI 49770-2234
Document Number	1203/105
Book / Page	1203 / 105
Instrument Date	Apr 18, 2018
Instrument	000005156001
Transaction Type	Transfer
Record Updated	Jun 22, 2021

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1540, PETOSKEY, MI 49770

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		$156,200 (+19.6%) Land $156,200	$312,400 (+19.6%) Land $312,400
2025		$130,600 Land $130,600	$261,200 Land $261,200
2024	$2,462.00
2023		$82,400 Land $82,400	$164,800 Land $164,800

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

Flood

FEMA maps place 411 Monroe St in Zone X, an area of minimal flood risk.

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
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 411 Monroe St is low, with less than 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 94% of the US · lower than 85% of Michigan
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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 240 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
Starlink Satellite	280 / 30

May also be available: AT&T.

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