Emmet County property record for 417 Lawrence St, Petoskey, MI 49770
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,322 sqft · built 1976 |
| Lot Size | 0.283 acres (12,329 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $158,508 (Sep 2022) |
| Tax Bill | $3,470 (2024) |
| Deeds & Mortgages | Oct 2022 Mortgage Sep 2022 Sale + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 52-19-06-300-067 |
| Primary APN | 52-19-06-300-067 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Building Area | 1,322 sqft Living Area |
| 1st Floor Area | 1,322 sqft |
| Year Built | Built 1976 |
|---|---|
| Effective Year Built | Effective 1976 |
| Lot Area | 12,329 sqft (0.283 acres) |
| Garage Area | 400 sqft |
| Heating System | Forced Air with A/C |
|---|
| Street Address | 417 LAWRENCE ST |
|---|---|
| City | PETOSKEY |
| State | MI |
| Zip | 49770-2882 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | COP R-1 |
| Legal Description | COM AT THE S 1/4 COR., TH N 385.71' ALG THE N & S 1/4 LN, TH W 247', TH W 75' TO POB., TH W 75', S 165', E 75', N 165' TO POB SECTION 6, T34N, R5W. |
| Legal Range | 05W |
| Legal Township | 34N |
| Legal Section | 06 |
| Jurisdiction | EMMET MI |
| Township / Civil Division | PETOSKEY |
| Census Block Group | 3 |
| Census Block | 3031 |
| Census Tract | 970800 |
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 | 417 LAWRENCE ST, PETOSKEY, MI 49770-2882 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 17, 2022 | Deed of Trust, Mortgage · Conventional Mortgage ST FRANCIS X FEDERAL CREDIT UNION |
| Sep 21, 2022 | Personal Representative Deed, Transfer |
| Oct 17, 2017 | Deed of Trust, Mortgage · Line of Credit THE HUNTINGTON NATIONAL BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 21, 2022 · Amount on Record |
| Deed Sale | Sep 21, 2022 · Amount on Record |
| Deed Document Number | 20225200252 |
| Deed Book / Page | 1247 / 283 |
| Prior Transfer Date | Sep 13, 2022 |
| Prior Transfer Doc | 001247/283 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | EMMET MI |
| Property Address | 417 LAWRENCE ST, PETOSKEY, MI 49770-2882 |
| Transaction Type | Mortgage |
| Record Updated | Oct 28, 2022 |
| Name | Verified Name |
|---|---|
| Address | 417 LAWRENCE ST, PETOSKEY, MI 49770-2882 |
| Document Number | 0000001247/0000000890 |
|---|---|
| Date | Oct 17, 2022 |
| Book Page | 0000001247/0000000890 |
| Instrument | 5200859 |
| Name | ST FRANCIS X FEDERAL CREDIT UNION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 1, 2052 |
| Document Type | Personal Representative Deed |
|---|---|
| Jurisdiction | EMMET MI |
| Recording Date | Sep 21, 2022 |
| Property Address | 417 LAWRENCE ST, PETOSKEY, MI 49770-2882 |
| Document Number | 001247/283 |
| Book / Page | 1247 / 283 |
| Instrument Date | Sep 13, 2022 |
| Instrument | 5200252 |
| Transaction Type | Transfer |
| Record Updated | Oct 4, 2022 |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 417 LAWRENCE ST, PETOSKEY, MI 49770-2882 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | EMMET MI |
| Property Address | 417 LAWRENCE ST, PETOSKEY, MI 49770-2882 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 1198/0593 |
|---|---|
| Date | Oct 17, 2017 |
| Book Page | 1198/0593 |
| Name | THE HUNTINGTON NATIONAL BANK |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43231 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Sep 22, 2047 |
Source: Emmet County assessment roll, as of July 21, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Emmet County |
| Municipality | Petoskey City |
| Unified School District | Public Schools of Petoskey (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $172,400 (+28.95%) Land $172,400 | $344,800 (+28.95%) Land $344,800 | |
| 2025 | $133,700 (+39.56%) Land $133,700 | $267,400 (+39.56%) Land $267,400 | |
| 2024 | $3,470.00 | ||
| 2023 | $95,800 Land $95,800 | $191,600 Land $191,600 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
| Nearby Flood Claims | 1 (2012) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Jun 2012 · rainfall accumulation |
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.
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 | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 226 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 |
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