438 E Lake St, Petoskey, MI 49770 Property Records

Emmet County property record for 438 E Lake St, Petoskey, MI 49770

Property Summary

Property Type	Commercial
Lot Size	0.08 acres (3,526 sqft)
Owner	Company Name on Record
Tax Bill	$14,136 (2024)
Deeds & Mortgages	Jan 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`52-19-05-101-042`

Property Details

APN / Parcel Number

Primary APN	`52-19-05-101-042`

Interior

Units	109 Units

Exterior

Fire Resistance	Fireproof Steel Frame
Lot Area	3,526 sqft (0.08 acres)

Location & Zoning

Street Address	438 E LAKE ST
City	PETOSKEY
State	MI
Zip	49770-2467
Property Category	Commercial
Property Type	Commercial > Retail
Local Zoning Code	COP B-2
Legal Description	SHAW & MCMILLAN'S ADDITION E 1/2 OF LOT 7 BLK 1 SECTION 5, T34N, R5W
Legal Range	05W
Legal Township	34N
Legal Section	05
Legal Subdivision	SHAW & MCMILLANS ADD
Legal Block	1
Legal Lot Number	7
Jurisdiction	EMMET MI
Township / Civil Division	PETOSKEY
Census Block Group	2
Census Block	2005
Census Tract	970700

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 July 21, 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 163, BLOOMFIELD HILLS, MI 48303-0163
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 20, 2002
Deed Sale	Mar 20, 2002
Prior Sale	Sep 1, 1985
Deed Book / Page	859 / 795
Record Updated	Sep 20, 2026

January 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	EMMET MI
Recording Date	Jan 3, 2017
Property Address	438 E LAKE ST, PETOSKEY, MI 49770-2467
Document Number	1191/0167
Book / Page	1191 / 0167
Instrument Date	Dec 16, 2016
Instrument	5144046
Transaction Type	Transfer
Record Updated	Jun 22, 2021

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 163, BLOOMFIELD HILLS, MI 48303-0163

Mortgage

Document Number	1191/0174
Date	Jan 3, 2017
Book Page	1191/0174
Instrument	5144053

Lender

Name	INDEPENDENT BANK
Type	Bank
Address	TROY, MI 48084

Agreement

Type	Commercial 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		$466,300 (+11.13%) Land $466,300	$932,600 (+11.13%) Land $932,600
2024	$14,136.00
2023		$419,600 Land $419,600	$839,200 Land $839,200

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

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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