Emmet County property record for 421 Howard St, Petoskey, MI 49770 · Last verified July 2026
| Property Type | Commercial |
|---|---|
| Details | 4,660 sqft |
| Lot Size | 0.04 acres (1,742 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $11,302 (2024) |
| Deeds & Mortgages | Sep 2019 Sale Mar 2017 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 52-19-05-151-012 |
| Primary APN | 52-19-05-151-012 |
|---|
| Stories | 3 Stories |
|---|---|
| Building Area | 4,660 sqft Total Area |
| 1st Floor Area | 1,553 sqft |
| Fire Resistance | Masonry Walls, Wood Interior |
|---|---|
| Lot Area | 1,742 sqft (0.04 acres) |
| Lot Dimensions | 20 ft deep x 87 ft wide |
| Street Address | 421 HOWARD ST |
|---|---|
| City | PETOSKEY |
| State | MI |
| Zip | 49770-2621 |
| Property Category | Commercial |
| Property Type | Commercial > Retail |
| Legal Description | PETOSKEY'S ADD. KNOWN AS MITCHELL & JOHN PETOSKEY'S ADD. N 20 FT OF S 70 FT OF LOT 11 BLK 1 SECTION 5, T34N, R5W |
| Legal Range | 05W |
| Legal Township | 34N |
| Legal Section | 05 |
| Legal Subdivision | PETOSKEYS ADD |
| Legal Block | 1 |
| Legal Lot Number | 11 |
| Jurisdiction | EMMET MI |
| Township / Civil Division | PETOSKEY |
| Census Block Group | 2 |
| Census Block | 2000 |
| Census Tract | 970800 |
Source: Emmet County records · APN 52-19-05-151-012
Assessment roll updated July 21, 2026 · Last verified July 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 File |
|---|---|
| Mailing Address | 2660 BROADWAY ST, SAN FRANCISCO, CA 94115-1147 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 13, 2019 | Warranty Deed, Transfer CROSSROADS TITLE |
| Mar 06, 2017 | Deed of Trust, Mortgage · Line of Credit CITIZENS NATIONAL BANK OF CHEBOYGAN |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Nov 30, 2004 |
| Deed Sale | Nov 30, 2004 |
| Prior Sale | Sep 24, 2004 |
| Deed Book / Page | 1059 / 656 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | EMMET MI |
| Recording Date | Sep 13, 2019 |
| Property Address | 421 HOWARD ST, PETOSKEY, MI 49770-2621 |
| Document Number | 1215/189 |
| Book / Page | 1215 / 189 |
| Instrument Date | Aug 29, 2019 |
| Instrument | 5168107 |
| Transaction Type | Transfer |
| Record Updated | Jun 22, 2021 |
| Title Company | CROSSROADS TITLE |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 2660 BROADWAY ST, SAN FRANCISCO, CA 94115-1147 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | EMMET MI |
| Property Address | 421 HOWARD ST, PETOSKEY, MI 49770-2621 |
| Transaction Type | Mortgage |
| Record Updated | Jan 25, 2019 |
| Name | Verified Name |
|---|
| Document Number | , 5145607 |
|---|---|
| Date | Mar 06, 2017 |
| Book Page | 1192/0729 |
| Instrument | 5145607 |
| Name | CITIZENS NATIONAL BANK OF CHEBOYGAN |
|---|---|
| Address | CHEBOYGAN, MI 49721 |
| Type | Line of Credit |
|---|
Source: Emmet County records · Assessment roll updated July 21, 2026 · Last verified July 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Emmet County |
| Municipality | Petoskey City |
| Unified School District | Public Schools of Petoskey (KG - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $383,500 (+16.32%) Land $43,500 Building $340,000 | $767,000 (+16.32%) Land $87,000 Building $680,000 | |
| 2024 | $11,302.00 | ||
| 2023 | $329,700 Land $19,600 Building $310,100 | $659,400 Land $39,200 Building $620,200 |
Source: FEMA National Flood Hazard Layer, Emmet County (26047C), updated May 31, 2022 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Wildfire Risk | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach |
Values are read at the parcel center point; lenders make the official flood determination.
Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 508 locations within about half a mile of this property
| Provider | Technology | Download / Upload (Mbps) |
|---|---|---|
| Spectrum | Cable | 1,000 / 1,000 |
| Verizon | Fixed Wireless | 300 / 20 |
| Starlink | Satellite (low-earth orbit) | 280 / 30 |
May also be available at this address: AT&T, Spectrum. Availability varies by address; speeds are provider-advertised maximums, not measured.
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