Emmet County property record for 4645 Howard Rd, Petoskey, MI 49770
| Property Type | Single Family Home |
|---|---|
| Lot Size | 10 acres (435,600 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $277,000 (Aug 2017) |
| Tax Bill | $4,240 (2024) |
| Deeds & Mortgages | Apr 2020 Mortgage Aug 2017 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 01-19-29-300-018 |
| Primary APN | 01-19-29-300-018 |
|---|
| Full Baths | 3 Baths |
|---|---|
| Building Area | 2,128 sqft Living Area |
| 1st Floor Area | 1,540 sqft |
| Basement Area | 1,176 sqft |
| Unfinished Basement | 1,176 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Lot Area | 435,600 sqft (10 acres) |
| Garage Area | 884 sqft |
| Street Address | 4645 HOWARD RD |
|---|---|
| City | PETOSKEY |
| State | MI |
| Zip | 49770-8813 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | EC FF-1 |
| Legal Description | W 1/2 OF N 1/2 OF S 1/2 OF N 1/2 OF SW 1/4. 10 AC M/L, SECTION 29, T34N, R5W |
| Legal Range | 05W |
| Legal Township | 34N |
| Legal Section | 29 |
| Legal Subdivision | S29 T34N R5W |
| Jurisdiction | EMMET MI |
| Township / Civil Division | BEAR CREEK |
| Census Block Group | 2 |
| Census Block | 2002 |
| 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 | 4645 HOWARD RD, PETOSKEY, MI 49770-8813 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 21, 2020 | Deed of Trust, Mortgage · Conventional Mortgage TCF NATIONAL BANK |
| Aug 24, 2017 | Warranty Deed, Transfer CHEMICAL BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 24, 2017 · Amount on Record |
| Deed Sale | Aug 24, 2017 · Amount on Record |
| Prior Sale | Oct 7, 2011 · Amount on Record |
| Deed Document Number | 20175150153 |
| Deed Book / Page | 1197 / 278 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | EMMET MI |
| Property Address | 4645 HOWARD RD, PETOSKEY, MI 49770-8813 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|---|
| Address | 4645 HOWARD RD, PETOSKEY, MI 49770-8813 |
| Document Number | 0000001220/0000000715 |
|---|---|
| Date | Apr 21, 2020 |
| Book Page | 0000001220/0000000715 |
| Instrument | 5173659 |
| Name | TCF NATIONAL BANK |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Jan 1, 2035 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | EMMET MI |
| Recording Date | Aug 24, 2017 |
| Property Address | 4645 HOWARD RD, PETOSKEY, MI 49770-8813 |
| Document Number | 1197/0278 |
| Book / Page | 1197 / 0278 |
| Instrument Date | Aug 18, 2017 |
| Instrument | 5150153 |
| Transaction Type | Transfer |
| Record Updated | Jun 22, 2021 |
| Title Company | DEVON TITLE COMPANY, DEVON TITLE AGENCY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | PO BOX 634, PETOSKEY, MI 49770-0634 |
| Name | Verified Name |
|---|---|
| Address | 1031 HOFFMAN ST, PETOSKEY, MI 49770-3212 |
| Investor | Possibly a Property Investor |
| Document Number | 1197/0279 |
|---|---|
| Date | Aug 24, 2017 |
| Book Page | 1197/0279 |
| Instrument | 5150154 |
| Name | CHEMICAL BANK |
|---|---|
| Type | Bank |
| Address | WYOMING, MI 49519 |
| Amount | Amount Recorded |
|---|---|
| Term | 361 Months |
| Due | Sep 1, 2047 |
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 | $290,000 (+42.79%) Land $290,000 | $580,000 (+42.79%) Land $580,000 | |
| 2024 | $4,240.00 | ||
| 2023 | $203,100 Land $203,100 | $406,200 Land $406,200 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 | 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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