413 Madison St, Petoskey, MI 49770 Property Records

Emmet County property record for 413 Madison St, Petoskey, MI 49770

Property Summary

Property Type	Single Family Home
Lot Size	0.167 acres (7,310 sqft)
Owner	Individual Name on Record
Last Sale	$200,000 (Jun 2022)
Tax Bill	$4,325 (2024)
Deeds & Mortgages	Mar 2017 Mortgage Jun 2022 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`52-19-06-127-131`

Property Details

APN / Parcel Number

Primary APN	`52-19-06-127-131`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	994 sqft Living Area
1st Floor Area	994 sqft
Basement Area	670 sqft
Unfinished Basement	670 sqft
Fireplaces	2 Fireplaces
Fireplace	Fireplace

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1940
Lot Area	7,310 sqft (0.167 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	413 MADISON ST
City	PETOSKEY
State	MI
Zip	49770-2256
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	COP RM-2
Legal Description	EMMET CITY LOT 4, BLK 7 SECTION 6, T34N, R5W
Legal Range	05W
Legal Township	34N
Legal Section	06
Legal Subdivision	EMMET CITY
Legal Block	7
Legal Lot Number	4
Jurisdiction	EMMET MI
Township / Civil Division	PETOSKEY
Census Block Group	1
Census Block	1005
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	Individual Name on Record
Mailing Address	8125 MINK RD, HARBOR SPRINGS, MI 49740-9579
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 2, 2017	Deed of Trust, Mortgage STATE SAVINGS BANK
Jun 29, 2022	Warranty Deed, Transfer · Conventional Mortgage PLAZA HOME MORTGAGE
Jan 4, 2021	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 29, 2022 · Amount on Record
Deed Sale	Jun 29, 2022 · Amount on Record
Prior Sale	Sep 4, 2012 · Amount on Record
Deed Document Number	20225198124
Deed Book / Page	1245 / 154
Prior Transfer Date	Dec 15, 2020
Prior Transfer Doc	001228/646
Record Updated	Oct 29, 2026

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EMMET MI
Property Address	413 MADISON ST, PETOSKEY, MI 49770-2256
Transaction Type	Mortgage
Record Updated	Aug 12, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	01192/0612
Date	Mar 2, 2017
Book Page	1192/0612
Instrument	5145490

Lender

Name	STATE SAVINGS BANK
Type	Bank
Address	FRANKFORT, MI 49635

Agreement

Amount	Amount Recorded
Term	240 Months
Due	Mar 1, 2037

June 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EMMET MI
Recording Date	Jun 29, 2022
Property Address	413 MADISON ST, PETOSKEY, MI 49770-2256
Document Number	001245/154
Book / Page	1245 / 154
Instrument Date	Jun 24, 2022
Instrument	5198124
Transaction Type	Transfer
Record Updated	Aug 12, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV 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	8125 MIND RD, HARBOR SPRINGS, MI 49740-9579

Mortgage

Document Number	0005198125
Date	Jun 29, 2022
Instrument	5198125

Lender

Name	PLAZA HOME MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	355 Months
Due	Jan 1, 2052

January 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	EMMET MI
Recording Date	Jan 4, 2021
Property Address	413 MADISON ST, PETOSKEY, MI 49770-2256
Document Number	001228/646
Book / Page	1228 / 646
Instrument Date	Dec 15, 2020
Instrument	5181615
Transaction Type	Transfer
Record Updated	Aug 12, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3880 RIVER DR, GAYLORD, MI 49735-7523

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		$146,800 (+87.72%) Land $146,800	$293,600 (+87.72%) Land $293,600
2024	$4,325.00
2023		$78,200 Land $78,200	$156,400 Land $156,400

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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
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	Not rated no burnable land 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 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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