434 Mason Dr, Petoskey, MI 49770 Property Records

Emmet County property record for 434 Mason Dr, Petoskey, MI 49770

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,534 sqft · built 2018
Lot Size	3.67 acres (160,292 sqft)
Owner	Individual Name on File
Tax Bill	$3,873 (2024)
Deeds & Mortgages	Aug 2018 Mortgage Apr 2018 Sale
Flood Zone	Zone X (minimal risk)
APN	`14-20-04-100-036`

Property Details

APN / Parcel Number

Primary APN	`14-20-04-100-036`

Interior

Full Baths	2 Baths
Building Area	1,534 sqft Living Area
1st Floor Area	1,500 sqft
Basement Area	1,500 sqft
Unfinished Basement	1,500 sqft

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Architectural Style	Ranch
Lot Area	160,292 sqft
Garage Area	780 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	434 MASON DR
City	PETOSKEY
State	MI
Zip	49770-9630
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	EC FF-1
Legal Description	PT OF W ? OF NW ? OF SECTION 4, S 260 FT OF FOLLOWING DESC PARCEL: COM AT NW COR OF SD SEC, TH N89?26?31?E 735 FT ALG N LN OF SD SEC, TH S01?02?32?E 746.18 FT TO POB, TH S01?02?32?E 461.93 FT, TH N89?56?38?E 587.14 FT TO W 1/8 LN OF SD SEC, TH N01?02
Jurisdiction	EMMET MI
Township / Civil Division	SPRINGVALE
Census Block Group	4
Census Block	4005
Census Tract	970500

Owner

434 Mason Dr is owned and occupied by an individual who acquired it in March 2018.

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

Owner of Record	Individual Name on File
Mailing Address	434 MASON DR, PETOSKEY, MI 49770-9630
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
Aug 1, 2018	Deed of Trust, Mortgage · ARM CHEMICAL BANK
Apr 6, 2018	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Mar 20, 2018
Transfer Doc	1202/409
Record Updated	Oct 29, 2026

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EMMET MI
Property Address	434 MASON DR, PETOSKEY, MI 49770-9630
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000001205/0000000502
Date	Aug 1, 2018
Book Page	0000001205/0000000502
Instrument	000005158397

Lender

Name	CHEMICAL BANK
Type	Bank

Agreement

Type	ARM
Amount	Amount on Record
Term	353 Months
Due	Jan 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	3.74%
Type Change Date	Aug 1, 2026
Index	1-Year LIBOR

April 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EMMET MI
Recording Date	Apr 6, 2018
Property Address	434 MASON DR, PETOSKEY, MI 49770-9630
Document Number	1202/409
Book / Page	1202 / 409
Instrument Date	Mar 20, 2018
Instrument	000005155306
Transaction Type	Transfer
Record Updated	Jun 22, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2138 RIVER RD, PETOSKEY, MI 49770-9023

Tax Assessment & Valuation

Source: Emmet County assessment roll, as of July 21, 2026

Property Jurisdictions

Type	Name
State	Michigan
County	Emmet County
County Subdivision	Springvale Township
Unified School District	Public Schools of Petoskey (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$239,900 (+6.53%) Land $239,900	$479,800 (+6.53%) Land $479,800
2025		$225,200 Land $225,200	$450,400 Land $450,400
2024	$3,873.00
2023		$170,400 Land $170,400	$340,800 Land $340,800

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

Flood

FEMA maps place 434 Mason Dr in Zone X, an area of minimal flood risk.

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

Wildfire risk around 434 Mason Dr is low, with 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 80% of the US · above 51% of Michigan
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 10 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Truestream Fiber	1,000 / 1,000
Spectrum Cable	1,000 / 35

Cell Coverage

5G (outdoors only) and 4G LTE

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