418 Charlevoix Ave, Petoskey, MI 49770 Property Records

Emmet County property record for 418 Charlevoix Ave, Petoskey, MI 49770

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,116 sqft · built 1910
Lot Size	0.146 acres (6,389 sqft)
Owner	Individual Name on File
Last Sale	$209,000 (Jun 2021)
Tax Bill	$4,054 (2024)
Deeds & Mortgages	Jun 2021 Sale & Mortgage Nov 2018 Transfer
Flood Zone	Zone X (minimal risk)
APN	`52-19-06-100-044`

Property Details

APN / Parcel Number

Primary APN	`52-19-06-100-044`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Building Area	2,116 sqft Living Area
1st Floor Area	1,818 sqft
Basement Area	1,038 sqft
Unfinished Basement	1,038 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1910
Effective Year Built	Effective 1910
Lot Area	6,389 sqft (0.146 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	418 CHARLEVOIX AVE
City	PETOSKEY
State	MI
Zip	49770-2375
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	COP RM-2
Legal Description	COM ON E & W 1/4 LN 220' W OF SE COR OF GOV'T LOT 3, TH W 50', N 148 1/2', E 60' S 148 1/2', W 10' TO POB. SECTION 6, T34N, R5W.
Legal Range	05W
Legal Township	34N
Legal Section	06
Legal Lot Number	3
Jurisdiction	EMMET MI
Township / Civil Division	PETOSKEY
Census Block Group	1
Census Block	1014
Census Tract	970800

Owner

418 Charlevoix Ave is owned and occupied by an individual who bought it in June 2021.

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

Owner of Record	Individual Name on File
Mailing Address	418 CHARLEVOIX AVE, PETOSKEY, MI 49770-2375
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
Jun 4, 2021	Warranty Deed, Transfer · Conventional Mortgage CITIZENS NATIONAL BANK OF CHEBOYGAN
Nov 2, 2018	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 4, 2021 · Amount on File
Deed Sale	Jun 4, 2021 · Amount on File
Deed Document Number	20215186779
Deed Book / Page	1233 / 814
Prior Transfer Date	Nov 1, 2018
Prior Transfer Doc	1207/803
Record Updated	Oct 29, 2026

June 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EMMET MI
Recording Date	Jun 4, 2021
Property Address	418 CHARLEVOIX AVE, PETOSKEY, MI 49770-2375
Document Number	1233/814
Book / Page	1233 / 814
Instrument Date	Jun 1, 2021
Instrument	5186779
Transaction Type	Transfer
Record Updated	Jun 21, 2021

Transaction

Amount	Amount on Record
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	253 W 4TH ST, HARBOR SPRINGS, MI 49740-1410

Mortgage

Document Number	5186780
Date	Jun 4, 2021
Instrument	5186780

Lender

Name	CITIZENS NATIONAL BANK OF CHEBOYGAN

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	355 Months
Due	Jan 1, 2051

November 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	EMMET MI
Recording Date	Nov 2, 2018
Property Address	418 CHARLEVOIX AVE, PETOSKEY, MI 49770-2375
Document Number	1207/803
Book / Page	1207 / 803
Instrument Date	Nov 1, 2018
Instrument	000005160697
Transaction Type	Transfer
Record Updated	Jun 22, 2021

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	418 CHARLEVOIX AVE, PETOSKEY, MI 49770-2375

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		$219,600 (+20.13%) Land $219,600	$439,200 (+20.13%) Land $439,200
2025		$182,800 Land $182,800	$365,600 Land $365,600
2024	$4,054.00
2023		$118,900 Land $118,900	$237,800 Land $237,800

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

Flood

FEMA maps place 418 Charlevoix Ave in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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 A, within 500 ft
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 418 Charlevoix Ave 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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