Emmet County property record for 4408 Howard Rd, Petoskey, MI 49770
| Property Type | Single Family Home |
|---|---|
| Details | 1 ba · 2,172 sqft |
| Lot Size | 1 acres (43,560 sqft) |
| Owner | Individual Name on File |
| Last Sale | $235,000 (Mar 2021) |
| Tax Bill | $2,702 (2024) |
| Deeds & Mortgages | Mar 2021 Sale & Mortgage Mar 2021 Transfer |
| Flood Zone | Zone X (minimal risk) |
| APN | 01-19-30-200-023 |
| Primary APN | 01-19-30-200-023 |
|---|
| Full Baths | 1 Bath |
|---|---|
| Stories | 5 Stories |
| Building Area | 2,172 sqft Living Area |
| 1st Floor Area | 1,652 sqft |
| Basement Area | 1,508 sqft |
| Unfinished Basement | 988 sqft |
| Architectural Style | Other |
|---|---|
| Lot Area | 43,560 sqft (1 acres) |
| Garage Area | 900 sqft |
| Heating System | Forced Air with A/C |
|---|
| Street Address | 4408 HOWARD RD |
|---|---|
| City | PETOSKEY |
| State | MI |
| Zip | 49770-9505 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | EC FF-1 |
| Legal Description | COM 490 FT N OF E 1/4 COR FOR POB, TH N 208.71 FT, W 208.71 FT, S 208.71 FT, E 208.71 FT TO POB. 1 AC M/L. SECTION 30, T34N, R5W. |
| Legal Range | 05W |
| Legal Township | 34N |
| Legal Section | 30 |
| Legal Subdivision | S30 T34N R5W |
| Jurisdiction | EMMET MI |
| Township / Civil Division | BEAR CREEK |
| Census Block Group | 2 |
| Census Block | 2014 |
| Census Tract | 970600 |
4408 Howard Rd is owned and occupied by an individual who bought it in March 2021.
Source: Emmet County records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 4408 HOWARD RD, PETOSKEY, MI 49770-9505 |
| 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 |
|---|---|
| Mar 26, 2021 | Warranty Deed, Transfer · Conventional Mortgage CALIBER HOME LOANS |
| Mar 26, 2021 | Quit Claim Deed, Transfer Quitclaim |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 26, 2021 · Amount on File |
| Deed Sale | Mar 26, 2021 · Amount on File |
| Prior Sale | Apr 2, 2004 · Amount on File |
| Deed Document Number | 20215184328 |
| Deed Book / Page | 1231 / 362 |
| Prior Transfer Date | Mar 24, 2021 |
| Prior Transfer Doc | 1231/364 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | EMMET MI |
| Recording Date | Mar 26, 2021 |
| Property Address | 4408 HOWARD RD, PETOSKEY, MI 49770-9505 |
| Document Number | 1231/362 |
| Book / Page | 1231 / 362 |
| Instrument Date | Mar 24, 2021 |
| Instrument | 5184328 |
| Transaction Type | Transfer |
| Record Updated | Jun 22, 2021 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 4408 HOWARD RD, PETOSKEY, MI 49770-9505 |
| Document Number | 5184329 |
|---|---|
| Date | Mar 26, 2021 |
| Instrument | 5184329 |
| Name | CALIBER HOME LOANS |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 358 Months |
| Due | Jan 1, 2051 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | EMMET MI |
| Recording Date | Mar 26, 2021 |
| Property Address | 4408 HOWARD RD, PETOSKEY, MI 49770-9505 |
| Document Number | 1231/364 |
| Book / Page | 1231 / 364 |
| Instrument Date | Mar 24, 2021 |
| Instrument | 5184330 |
| Transaction Type | Transfer |
| Record Updated | Jun 22, 2021 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 4408 HOWARD RD, PETOSKEY, MI 49770-9505 |
Source: Emmet County assessment roll, as of July 21, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Emmet County |
| County Subdivision | Bear Creek Township |
| Unified School District | Public Schools of Petoskey (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $158,400 (+8.87%) Land $6,800 Building $151,600 | $316,800 (+8.87%) Land $13,600 Building $303,200 | |
| 2025 | $145,500 Land $5,500 Building $140,000 | $291,000 Land $11,000 Building $280,000 | |
| 2024 | $2,702.00 | ||
| 2023 | $115,000 Land $4,800 Building $110,200 | $230,000 Land $9,600 Building $220,400 |
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.
FEMA maps place 4408 Howard Rd 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 risk around 4408 Howard Rd 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.
Source: FCC Broadband Data Collection, based on 28 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 / 1,000 |
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