421 Emmet St, Petoskey, MI 49770 Property Records

Emmet County property record for 421 Emmet St, Petoskey, MI 49770

Property Summary

Property Type	Single Family Home
Lot Size	0.13 acres (5,684 sqft)
Owner	Individual Name on Record
Last Sale	$299,900 (Oct 2021)
Tax Bill	$4,548 (2024)
Deeds & Mortgages	Oct 2025 Mortgage Oct 2025 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`52-19-06-278-006`

Property Details

APN / Parcel Number

Primary APN	`52-19-06-278-006`

Interior

Bedrooms	3 Beds
Building Area	1,598 sqft Living Area
1st Floor Area	1,117 sqft
Basement Area	641 sqft
Unfinished Basement	641 sqft

Exterior

Year Built	Built 1888
Effective Year Built	Effective 1888
Lot Area	5,684 sqft (0.13 acres)
Garage Area	780 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	421 EMMET ST
City	PETOSKEY
State	MI
Zip	49770-2603
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	COP B-2A
Legal Description	FRASER & CURDY'S ADDITION S 1/2 OF LOTS 6 & 7 BLK 1 SECTION 6, T34N, R5W
Legal Range	05W
Legal Township	34N
Legal Section	06
Legal Subdivision	FRASER & CURDYS ADD
Legal Block	1
Legal Lot Number	6-7
Jurisdiction	EMMET MI
Township / Civil Division	PETOSKEY
Census Block Group	2
Census Block	2002
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	421 EMMET ST, PETOSKEY, MI 49770-2603
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 16, 2025	Deed of Trust, Mortgage · Conventional Mortgage THIRD FEDERAL SAVINGS AND LOAN
Oct 16, 2025	Deed of Trust, Mortgage · Conventional Mortgage THIRD FEDERAL SAVINGS AND LOAN
Oct 1, 2021	Warranty Deed, Transfer · Conventional Mortgage CALIBER HOME LOANS
Oct 30, 2018	Deed of Trust, Mortgage FIRST COMMUNITY BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 1, 2021 · Amount on Record
Deed Sale	Oct 1, 2021 · Amount on Record
Prior Sale	Oct 12, 2006 · Amount on Record
Deed Document Number	20215190525
Deed Book / Page	1237 / 564
Record Updated	Oct 29, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EMMET MI
Property Address	421 EMMET ST, PETOSKEY, MI 49770-2603
Transaction Type	Mortgage
Record Updated	Nov 3, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	421 EMMET ST, PETOSKEY, MI 49770-2603

Mortgage

Document Number	0000001270/0000000619
Date	Oct 16, 2025
Book Page	0000001270/0000000619
Instrument	5223651

Lender

Name	THIRD FEDERAL SAVINGS AND LOAN

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2055

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EMMET MI
Property Address	421 EMMET ST, PETOSKEY, MI 49770-2603
Transaction Type	Mortgage
Record Updated	Oct 28, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	421 EMMET ST, PETOSKEY, MI 49770-2603

Mortgage

Document Number	0000001270/0000000619
Date	Oct 16, 2025
Book Page	0000001270/0000000619
Instrument	5223651

Lender

Name	THIRD FEDERAL SAVINGS AND LOAN

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2055

October 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EMMET MI
Recording Date	Oct 1, 2021
Property Address	421 EMMET ST, PETOSKEY, MI 49770-2603
Document Number	1237/564
Book / Page	1237 / 564
Instrument Date	Sep 20, 2021
Instrument	5190525
Transaction Type	Transfer
Record Updated	Oct 25, 2021

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	1901 REAL CT, FORT COLLINS, CO 80526-6961

Mortgage

Document Number	5190526
Date	Oct 1, 2021
Instrument	5190526

Lender

Name	CALIBER HOME LOANS

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	351 Months
Due	Jan 1, 2051

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EMMET MI
Property Address	421 EMMET ST, PETOSKEY, MI 49770-2603
Transaction Type	Mortgage
Record Updated	Jan 25, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000001207/0000000690
Date	Oct 30, 2018
Book Page	0000001207/0000000690
Instrument	000005160584

Lender

Name	FIRST COMMUNITY BANK
Type	Bank

Agreement

Amount	Amount Recorded

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		$200,000 (+41.24%) Land $200,000	$400,000 (+41.24%) Land $400,000
2024	$4,548.00
2023		$141,600 Land $141,600	$283,200 Land $283,200

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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	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 508 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: AT&T.

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