Emmet County property record for 442 State St, Petoskey, MI 49770
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,021 sqft · built 1910 |
| Lot Size | 0.119 acres (5,198 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $480,000 (Sep 2021) |
| Tax Bill | $5,606 (2024) |
| Deeds & Mortgages | Sep 2021 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 52-19-05-152-010 |
| Primary APN | 52-19-05-152-010 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 2,021 sqft Living Area |
| 1st Floor Area | 1,333 sqft |
| Basement Area | 1,037 sqft |
| Unfinished Basement | 1,037 sqft |
| Year Built | Built 1910 |
|---|---|
| Effective Year Built | Effective 1910 |
| Lot Area | 5,198 sqft (0.119 acres) |
| Garage Area | 400 sqft |
| Heating System | Forced Air with A/C |
|---|
| Street Address | 442 STATE ST |
|---|---|
| City | PETOSKEY |
| State | MI |
| Zip | 49770-2749 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | COP R-2 |
| Legal Description | MITCHELL PETOSKEY'S ADD. LOT 2 BLK 2 EXC S 45 FT THEREOF. SECTION 5, T34N, R5W |
| Legal Range | 05W |
| Legal Township | 34N |
| Legal Section | 05 |
| Legal Subdivision | MITCHELL PETOSKEYS ADDITION |
| Legal Block | 2 |
| Legal Lot Number | 2 |
| Jurisdiction | EMMET MI |
| Township / Civil Division | PETOSKEY |
| Census Block Group | 2 |
| Census Block | 2008 |
| Census Tract | 970800 |
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.
442 State St is owned and occupied by two individuals who bought it in September 2021.
Source: Emmet County records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 442 STATE ST, PETOSKEY, MI 49770-2749 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 23, 2021 · Amount on File |
| Deed Sale | Sep 23, 2021 · Amount on File |
| Prior Sale | May 20, 2014 · Amount on File |
| Deed Document Number | 20215190355 |
| Deed Book / Page | 1237 / 374 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | EMMET MI |
| Recording Date | Sep 23, 2021 |
| Property Address | 442 STATE ST, PETOSKEY, MI 49770-2749 |
| Document Number | 1237/374 |
| Book / Page | 1237 / 374 |
| Instrument Date | Sep 16, 2021 |
| Instrument | 5190355 |
| Transaction Type | Transfer |
| Record Updated | Oct 11, 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 | 442 STATE ST, PETOSKEY, MI 49770-2749 |
| Document Number | 0000001237/0000000376 |
|---|---|
| Date | Sep 23, 2021 |
| Book Page | 0000001237/0000000376 |
| Instrument | 5190337 |
| Name | INDEPENDENT BANK |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jan 1, 2051 |
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 | $267,000 Land $267,000 | $534,000 Land $534,000 | |
| 2024 | $5,606.00 | ||
| 2023 | $170,200 Land $170,200 | $340,400 Land $340,400 |
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 442 State St 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 442 State 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 | None beyond ember reach |
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 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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