421 Monroe St, Petoskey, MI 49770 Property Records

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

Property Summary

Property Type	Single Family Home
Lot Size	0.157 acres (6,861 sqft)
Owner	Company Name on Record
Last Sale	$160,000 (Jan 2023)
Tax Bill	$5,705 (2024)
Deeds & Mortgages	Nov 2017 Mortgage Jan 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`52-19-06-127-096`

Property Details

APN / Parcel Number

Primary APN	`52-19-06-127-096`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Building Area	1,512 sqft Living Area
1st Floor Area	1,008 sqft
Basement Area	1,008 sqft
Unfinished Basement	1,008 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Lot Area	6,861 sqft (0.157 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	421 MONROE ST
City	PETOSKEY
State	MI
Zip	49770-2282
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	COP RM-2
Legal Description	EMMET CITY LOT 6 BLK 10 ALSO INC ADJ 1/2 OF VACATED ALLEY. SECTION 6, T34N, R5W
Legal Range	05W
Legal Township	34N
Legal Section	06
Legal Block	10
Legal Lot Number	6
Jurisdiction	EMMET MI
Township / Civil Division	PETOSKEY
Census Block Group	1
Census Block	1015
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	Company Name on Record
Mailing Address	PO BOX 697, BOYNE CITY, MI 49712-0697
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Nov 29, 2017	Deed of Trust, Mortgage ST FRANCIS X FCU
Jan 26, 2023	Warranty Deed, Transfer · Conventional Mortgage 4FRONT CREDIT UNION

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 26, 2023 · Amount on Record
Deed Sale	Jan 26, 2023 · Amount on Record
Prior Sale	Apr 5, 2022 · Amount on Record
Deed Document Number	20235202774
Deed Book / Page	1249 / 788
Prior Transfer Date	Mar 29, 2022
Prior Transfer Doc	0005195976
Record Updated	Oct 29, 2026

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EMMET MI
Property Address	421 MONROE ST, PETOSKEY, MI 49770-2282
Transaction Type	Mortgage
Record Updated	May 5, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	01199/0699
Date	Nov 29, 2017
Book Page	1199/0699
Instrument	5152582

Lender

Name	ST FRANCIS X FCU
Type	Credit Union
Address	PETOSKEY, MI 49770

Agreement

Amount	Amount Recorded
Term	120 Months
Due	Nov 3, 2027

January 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EMMET MI
Recording Date	Jan 26, 2023
Property Address	421 MONROE ST, PETOSKEY, MI 49770-2282
Document Number	001249/788
Book / Page	1249 / 788
Instrument Date	Jan 23, 2023
Instrument	5202774
Transaction Type	Transfer
Record Updated	May 5, 2023

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	PO BOX 697, BOYNE CITY, MI 49712-0697

Mortgage

Document Number	0005202775
Date	Jan 26, 2023
Instrument	5202775

Lender

Name	4FRONT CREDIT UNION

Agreement

Type	Conventional Mortgage
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		$153,000 (+89.83%) Land $153,000	$306,000 (+89.83%) Land $306,000
2024	$5,705.00
2023		$80,600 Land $80,600	$161,200 Land $161,200

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

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	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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