438 Grove St, Petoskey, MI 49770 Property Records

Emmet County property record for 438 Grove St, Petoskey, MI 49770

Property Summary

Property Type	Single Family Home
Lot Size	0.171 acres (7,447 sqft)
Owner	2 Individual Names on Record
Last Sale	$675,000 (Jul 2024)
Tax Bill	$3,356 (2024)
Deeds & Mortgages	Jan 2026 Mortgage Aug 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`52-19-05-153-018`

Property Details

APN / Parcel Number

Primary APN	`52-19-05-153-018`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Building Area	1,578 sqft Living Area
1st Floor Area	1,326 sqft
Basement Area	714 sqft
Unfinished Basement	714 sqft

Exterior

Year Built	Built 1890
Effective Year Built	Effective 1890
Lot Area	7,447 sqft (0.171 acres)
Garage Area	572 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	438 GROVE ST
City	PETOSKEY
State	MI
Zip	49770-2727
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	COP R-3
Legal Description	MITCHELL PETOSKEY'S 2ND ADD, LOT 3 BLK 2, INC THAT PT OF S 14 FT OF VACATED GROVE ST. SECTION 5, T34N, R5W
Legal Range	05W
Legal Township	34N
Legal Section	05
Legal Subdivision	MITCHELL PETOSKEYS 2ND ADD
Legal Block	2
Legal Lot Number	3
Jurisdiction	EMMET MI
Township / Civil Division	PETOSKEY
Census Block Group	2
Census Block	2013
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	2 Individual Names on Record
Mailing Address	438 GROVE ST, PETOSKEY, MI 49770-2727
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 9, 2026	Deed of Trust, Mortgage · Conventional Mortgage MERCANTILE BANK
Aug 20, 2021	Deed of Trust, Mortgage · Conventional Mortgage ST FRANCIS X FEDERAL CREDIT UNION
May 12, 2021	Deed of Trust, Mortgage · Conventional Mortgage ST FRANCIS X FEDERAL CREDIT UNION

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 5, 2024 · Amount on Record
Deed Sale	Jul 5, 2024 · Amount on Record
Prior Sale	Jul 5, 2024 · Amount on Record
Deed Document Number	20245213732
Deed Book / Page	1620 / 718
Record Updated	Oct 29, 2026

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EMMET MI
Property Address	438 GROVE ST, PETOSKEY, MI 49770-2727
Transaction Type	Mortgage
Record Updated	Jan 20, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	774 RED OAK WAY, PETOSKEY, MI 49770-2979

Mortgage

Document Number	0000001272/0000000404
Date	Jan 9, 2026
Book Page	0000001272/0000000404
Instrument	5225455

Lender

Name	MERCANTILE BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2056

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EMMET MI
Property Address	438 GROVE ST, PETOSKEY, MI 49770-2727
Transaction Type	Mortgage
Record Updated	Sep 14, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	438 GROVE ST, PETOSKEY, MI 49770-2727

Mortgage

Document Number	0000001236/0000000383
Date	Aug 20, 2021
Book Page	0000001236/0000000383
Instrument	5189345

Lender

Name	ST FRANCIS X FEDERAL CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Jan 1, 2031

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EMMET MI
Property Address	438 GROVE ST, PETOSKEY, MI 49770-2727
Transaction Type	Mortgage
Record Updated	May 31, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	438 GROVE ST, PETOSKEY, MI 49770-2727

Mortgage

Document Number	0000001233/0000000033
Date	May 12, 2021
Book Page	0000001233/0000000033
Instrument	5185997

Lender

Name	ST FRANCIS X FEDERAL CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	60 Months
Due	Jan 1, 2026

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		$239,700 (+48.51%) Land $239,700	$479,400 (+48.51%) Land $479,400
2024	$3,356.00
2023		$161,400 Land $161,400	$322,800 Land $322,800

Assessed value is set for property tax purposes, not a market price estimate; it is 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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