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4465 Upper Balcony, Petoskey, MI 49770 Property Records

Emmet County property record for 4465 Upper Balcony, Petoskey, MI 49770

Property Summary

Property TypeCondominium
Details3 bd · 2.5 ba · 2,421 sqft · built 2007
Lot Size1.53 acres (66,947 sqft)
Owner2 Individual Names on Record
Last Sale$510,000 (Aug 2020)
Tax Bill$6,837 (2024)
Deeds & MortgagesJun 2026 Mortgage
May 2024 Mortgage
+ 1 more
Flood ZoneZone X (minimal risk)
APN01-19-28-150-140

Property Details

APN / Parcel Number

Primary APN01-19-28-150-140

Interior

Bedrooms3 Beds
Full Baths2.5 Baths
Half Baths1 Half Bath
Building Area2,421 sqft Living Area
1st Floor Area1,614 sqft
Basement Area1,614 sqft
Unfinished Basement1,614 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 2007
Effective Year BuiltEffective 2007
Architectural StyleCondo/Apartment
Lot Area66,947 sqft
Garage Area1,344 sqft

Utilities, Heating & Cooling

Heating SystemForced Air with A/C

Location & Zoning

Street Address4465 UPPER BALCONY
CityPETOSKEY
StateMI
Zip49770-8222
Property CategoryResidential
Property TypeResidential > Condominium / Townhouse > Condominium
Local Zoning CodeEC FF-1
Legal DescriptionCHAPEL HILL CONDO, PLAN #315, UNIT 40, SECTION 28, T34N, R5W
Legal Range05W
Legal Township34N
Legal Section28
Legal SubdivisionCHAPEL HILL CONDOMINIUM
Legal Unit40
JurisdictionEMMET MI
Township / Civil DivisionBEAR CREEK
Census Block Group2
Census Block2002
Census Tract970600

Owner

Source: Emmet County records, as of October 20, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record2 Individual Names on Record
Mailing Address4465 UPPER BALCONY, PETOSKEY, MI 49770-8222
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Jun 5, 2026Deed of Trust · Conventional Mortgage
MICHIGAN SCHOOLS AND GOV'T CREDIT UNION
May 6, 2024Deed of Trust, Mortgage · Conventional Mortgage
SMALL BUSINESS ADMINISTRATION
Aug 14, 2020Deed, Transfer · Conventional Mortgage
HOME POINT FINANCIAL

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleAug 14, 2020 · Amount on Record
Deed SaleAug 14, 2020 · Amount on Record
Prior SaleJun 7, 2007 · Amount on Record
Deed Document Number20205176987
Deed Book / Page1224 / 41
Prior Transfer DateSep 4, 2013
Prior Transfer Doc1160/159
Record UpdatedOct 29, 2026

June 2026: Deed of Trust

Document TypeDeed of Trust
JurisdictionEMMET MI
Recording DateJun 5, 2026
Property Address4465 UPPER BALCONY, PETOSKEY, MI 49770-8222
Document Number0000001275/0000000516
Book / Page1275 / 516
Instrument DateMay 29, 2026
Instrument20265228565
Record UpdatedJun 22, 2026

Transferred To (Grantee/Buyer)

NameVerified Name
Address4465 UPPER BALCONY, PETOSKEY, MI 49770-8222

Mortgage

Document Number0005228565,
DateJun 5, 2026
Book Page1275/516
Instrument20265228565
Lender
NameMICHIGAN SCHOOLS AND GOV'T CREDIT UNION
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term300 Months
DueMay 1, 2051
Interest
Rate6.3%
Max Rate-1%

May 2024: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionEMMET MI
Property Address4465 UPPER BALCONY, PETOSKEY, MI 49770-8222
Transaction TypeMortgage
Record UpdatedMay 17, 2024

Transferred To (Grantee/Buyer)

NameVerified Name
Address4465 UPPER BALCONY, PETOSKEY, MI 49770-8222

Mortgage

Document Number0000001259/0000000444
DateMay 6, 2024
Book Page0000001259/0000000444
Instrument5212453
Lender
NameSMALL BUSINESS ADMINISTRATION
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueJan 1, 2054

August 2020: Deed, Transfer

Document TypeDeed
JurisdictionEMMET MI
Recording DateAug 14, 2020
Property Address4465 UPPER BALCONY, PETOSKEY, MI 49770-8222
Document Number1224/41
Book / Page1224 / 41
Instrument DateAug 7, 2020
Instrument5176987
Transaction TypeTransfer
Record UpdatedJun 22, 2021

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$0.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address1230 KALAMAZOO AVE, PETOSKEY, MI 49770-3227

Mortgage

Document Number5176988
DateAug 14, 2020
Instrument5176988
Lender
NameHOME POINT FINANCIAL
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term353 Months
DueJan 1, 2050

Tax Assessment & Valuation

Source: Emmet County assessment roll, as of July 21, 2026

Property Jurisdictions

TypeName
StateMichigan
CountyEmmet County
County SubdivisionBear Creek Township
Unified School DistrictPublic Schools of Petoskey (KG - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$381,100 (+8.58%) Land $381,100$762,200 (+8.58%) Land $762,200
2025$351,000 (+20.29%) Land $351,000$702,000 (+20.29%) Land $702,000
2024$6,837.00
2023$291,800 Land $291,800$583,600 Land $583,600

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 ZoneZone X
minimal risk
Flood Insurance RequirementNot 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 RiskLow
lower than 80% of the US · above 51% of Michigan
Wildfire Likelihood0.01% annual chance
ExposureDirect
burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 8 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Truestream
Fiber		1,000 / 1,000
Spectrum
Cable		1,000 / 1,000

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