Emmet County property record for 435 Myrtle St, Petoskey, MI 49770
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,404 sqft |
| Lot Size | 0.148 acres (6,454 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $121,000 (Nov 2002) |
| Tax Bill | $2,221 (2024) |
| Deeds & Mortgages | Apr 2026 Mortgage Aug 2019 Refinance |
| Flood Zone | Zone X (minimal risk) |
| APN | 52-19-05-300-122 |
| Primary APN | 52-19-05-300-122 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 1,404 sqft Living Area |
| 1st Floor Area | 1,032 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Lot Area | 6,454 sqft (0.148 acres) |
|---|---|
| Garage Area | 420 sqft |
| Heating System | Forced Air with A/C |
|---|
| Street Address | 435 MYRTLE ST |
|---|---|
| City | PETOSKEY |
| State | MI |
| Zip | 49770-3037 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | COP R-2 |
| Legal Description | COM 693' N & 470' E OF SW COR SW 1/4 OF SW 1/4, TH N 133', E 50', S 133', W 50' TO BEG. SECTION 5, T34N, R5W |
| Legal Range | 05W |
| Legal Township | 34N |
| Legal Section | 05 |
| Jurisdiction | EMMET MI |
| Township / Civil Division | PETOSKEY |
| Census Block Group | 3 |
| Census Block | 3016 |
| Census Tract | 970700 |
435 Myrtle St is owned and occupied by two individuals who bought it in November 2002.
Source: Emmet County records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 435 MYRTLE ST, PETOSKEY, MI 49770-3037 |
| 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.
| Date | Document |
|---|---|
| Apr 2, 2026 | Deed of Trust · Conventional Mortgage JPMORGAN CHASE BANK |
| Aug 21, 2019 | Deed of Trust, Mortgage · Stand-Alone Refinance JPMORGAN CHASE BANK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 22, 2002 · Amount on File |
| Deed Sale | Nov 22, 2002 · Amount on File |
| Prior Sale | Nov 11, 2002 |
| Deed Book / Page | 917 / 251 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | EMMET MI |
| Recording Date | Apr 2, 2026 |
| Property Address | 435 MYRTLE ST, PETOSKEY, MI 49770-3037 |
| Document Number | 0000001274/0000000255 |
| Book / Page | 1274 / 255 |
| Instrument Date | Mar 26, 2026 |
| Instrument | 20265227304 |
| Record Updated | Apr 21, 2026 |
| Name | Verified Name |
|---|---|
| Address | 435 MYRTLE ST, PETOSKEY, MI 49770-3037 |
| Document Number | 0005227304, |
|---|---|
| Date | Apr 2, 2026 |
| Book Page | 1274/255 |
| Instrument | 20265227304 |
| Name | JPMORGAN CHASE BANK |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Mar 1, 2056 |
| Rate | 5.98% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | EMMET MI |
| Property Address | 435 MYRTLE ST, PETOSKEY, MI 49770-3037 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 1214/483 |
|---|---|
| Date | Aug 21, 2019 |
| Book Page | 1214/483 |
| Instrument | 5167402 |
| Name | JPMORGAN CHASE BANK NA |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Sep 1, 2034 |
Source: Emmet County assessment roll, as of July 21, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Emmet County |
| Municipality | Petoskey City |
| Unified School District | Public Schools of Petoskey (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $165,100 (+10.36%) Land $165,100 | $330,200 (+10.36%) Land $330,200 | |
| 2025 | $149,600 Land $149,600 | $299,200 Land $299,200 | |
| 2024 | $2,221.00 | ||
| 2023 | $109,500 Land $109,500 | $219,000 Land $219,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 435 Myrtle St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2014.
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 |
| Nearby Flood Policies | 1 in force |
| Nearby Flood Claims | 1 (2014) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Apr 2014 · rainfall accumulation |
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 risk around 435 Myrtle St 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 | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 237 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 |
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