Emmet County property record for 4538 River Rd, Petoskey, MI 49770
| Property Type | Single Family Home |
|---|---|
| Lot Size | 4.69 acres (204,313 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $1,663 (2024) |
| Deeds & Mortgages | Mar 2026 Mortgage Mar 2026 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 01-19-28-300-010 |
| Primary APN | 01-19-28-300-010 |
|---|
| Full Baths | 1 Bath |
|---|---|
| Building Area | 1,564 sqft Living Area |
| 1st Floor Area | 1,564 sqft |
| Basement Area | 1,564 sqft |
| Unfinished Basement | 1,564 sqft |
| Year Built | Built 1965 |
|---|---|
| Effective Year Built | Effective 1965 |
| Lot Area | 204,313 sqft (4.69 acres) |
| Garage Area | 896 sqft |
| Heating System | Forced Air with A/C |
|---|
| Street Address | 4538 RIVER RD |
|---|---|
| City | PETOSKEY |
| State | MI |
| Zip | 49770-9516 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | EC FF-1 |
| Legal Description | PT OF S ? OF SECTION 28, COM AT E ? COR OF SD SEC, TH ALG E/W ? LN OF SD SEC, S89?52?30?W 1321.73 FT TO E 1/8 LN OF SD SEC, TH ALG SD E 1/8 LN, S00?01?36?W 64.069 FT TO POB, TH CONT ALG SD E 1/8 LN, S00?01?36?W 46 FT TO PT ON W?LY R/O/W LN OF RIVER R |
| Jurisdiction | EMMET MI |
| Township / Civil Division | BEAR CREEK |
| Census Block Group | 2 |
| Census Block | 2012 |
| Census Tract | 970600 |
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 | 4538 RIVER RD, PETOSKEY, MI 49770-9516 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Mar 25, 2026 | Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE |
| Mar 25, 2026 | Warranty Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE |
| Oct 28, 2021 | Warranty Deed, Transfer |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | Mar 24, 2026 |
| Transfer Doc | 001274/130 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | EMMET MI |
| Property Address | 4538 RIVER RD, PETOSKEY, MI 49770-9516 |
| Transaction Type | Mortgage |
| Record Updated | Apr 14, 2026 |
| Name | Verified Name |
|---|---|
| Address | 4538 RIVER RD, PETOSKEY, MI 49770-9516 |
| Document Number | 0005227180 |
|---|---|
| Date | Mar 25, 2026 |
| Instrument | 5227180 |
| Name | ROCKET MORTGAGE |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 358 Months |
| Due | Jan 1, 2056 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | EMMET MI |
| Recording Date | Mar 25, 2026 |
| Property Address | 4538 RIVER RD, PETOSKEY, MI 49770-9516 |
| Document Number | 001274/130 |
| Book / Page | 1274 / 130 |
| Instrument Date | Mar 24, 2026 |
| Instrument | 5227179 |
| Transaction Type | Transfer |
| Record Updated | Apr 6, 2026 |
| Title Company | ARK TITLE GROUP LLC, AL TITLE GROUP LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $34.40 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 4538 RIVER RD, PETOSKEY, MI 49770-9516 |
| Document Number | 0005227180 |
|---|---|
| Date | Mar 25, 2026 |
| Instrument | 5227180 |
| Name | ROCKET MORTGAGE |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 358 Months |
| Due | Jan 1, 2056 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | EMMET MI |
| Recording Date | Oct 28, 2021 |
| Property Address | 4538 RIVER RD, PETOSKEY, MI 49770-9516 |
| Document Number | 001238/415 |
| Book / Page | 1238 / 415 |
| Instrument Date | Oct 15, 2021 |
| Instrument | 5191377 |
| Transaction Type | Transfer |
| Record Updated | Mar 7, 2023 |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 2475 E GRULER RD, PETOSKEY, MI 49770-9507 |
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 | $174,400 (+6.6%) Land $174,400 | $348,800 (+6.6%) Land $348,800 | |
| 2025 | $163,600 (+46.59%) Land $163,600 | $327,200 (+46.59%) Land $327,200 | |
| 2024 | $1,663.00 | ||
| 2023 | $111,600 Land $111,600 | $223,200 Land $223,200 |
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.
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.
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 | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 8 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Truestream Fiber | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures