437 State St, Petoskey, MI 49770 Property Records

Emmet County property record for 437 State St, Petoskey, MI 49770

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,925 sqft
Lot Size	0.166 acres (7,246 sqft)
Owner	Company Name on Record
Last Sale	$453,000 (Sep 2023)
Tax Bill	$8,512 (2024)
Deeds & Mortgages	Sep 2023 Sale Mar 2019 Refinance + 2 more
Flood Zone	Zone X (minimal risk)
APN	`52-19-05-152-004`

Property Details

APN / Parcel Number

Primary APN	`52-19-05-152-004`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Building Area	1,925 sqft Living Area
1st Floor Area	1,302 sqft
Basement Area	1,302 sqft
Unfinished Basement	1,302 sqft

Exterior

Lot Area	7,246 sqft (0.166 acres)
Garage Area	580 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	437 STATE ST
City	PETOSKEY
State	MI
Zip	49770-2748
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	COP RM-2
Legal Description	MITCHELL PETOSKEY'S ADD. LOT 3 BLK 1. SECTION 5, T34N, R5W
Legal Range	05W
Legal Township	34N
Legal Section	05
Legal Subdivision	MITCHELL PETOSKEYS ADDITION
Legal Block	1
Legal Lot Number	3
Jurisdiction	EMMET MI
Township / Civil Division	PETOSKEY
Census Block Group	2
Census Block	2007
Census Tract	970800

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the East Mitchell Street Historic District listed 1986 · 284 contributing resources · NRIS 86001983

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

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	202 N 9TH ST, 300, BOISE, ID 83702-5766
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Sep 19, 2023	Warranty Deed, Transfer TALON TITLE AGENCY
Mar 27, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance FIFTH THIRD BANK
Jul 7, 2021	Quit Claim Deed, Transfer Quitclaim
Oct 7, 2020	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 19, 2023 · Amount on Record
Deed Sale	Sep 19, 2023 · Amount on Record
Prior Sale	Oct 7, 2020 · Amount on Record
Deed Document Number	20235207840
Deed Book / Page	1254 / 849
Prior Transfer Date	Jul 1, 2021
Prior Transfer Doc	001234/894
Record Updated	Oct 29, 2026

September 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EMMET MI
Recording Date	Sep 19, 2023
Property Address	437 STATE ST, PETOSKEY, MI 49770-2748
Document Number	001254/849
Book / Page	1254 / 849
Instrument Date	Sep 11, 2023
Instrument	5207840
Transaction Type	Transfer
Record Updated	Oct 6, 2023
Title Company	TALON TITLE AGENCY

Transaction

Amount	Amount Recorded
Tax	$38.96
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	202 N 9TH ST, BOISE, ID 83702-5734

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EMMET MI
Property Address	437 STATE ST, PETOSKEY, MI 49770-2748
Transaction Type	Mortgage
Record Updated	Aug 12, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001210/779
Date	Mar 27, 2019
Book Page	1210/779
Instrument	5163699

Lender

Name	FIFTH THIRD BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2049

July 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	EMMET MI
Recording Date	Jul 7, 2021
Property Address	437 STATE ST, PETOSKEY, MI 49770-2748
Document Number	001234/894
Book / Page	1234 / 894
Instrument Date	Jul 1, 2021
Instrument	5187858
Transaction Type	Transfer
Record Updated	Aug 12, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3915 HIGHCREST DR, BRIGHTON, MI 48116-7706

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EMMET MI
Recording Date	Oct 7, 2020
Property Address	437 STATE ST, PETOSKEY, MI 49770-2748
Document Number	001225/883
Book / Page	1225 / 883
Instrument Date	Sep 24, 2020
Instrument	5178833
Transaction Type	Transfer
Record Updated	Aug 12, 2022

Transaction

Amount	Amount Recorded
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	3915 HIGHCREST DR, BRIGHTON, MI 48116-7706

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		$229,300 (+57.38%) Land $229,300	$458,600 (+57.38%) Land $458,600
2024	$8,512.00
2023		$145,700 Land $145,700	$291,400 Land $291,400

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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