4748 Howard Rd, Petoskey, MI 49770 Property Records

Emmet County property record for 4748 Howard Rd, Petoskey, MI 49770

Property Summary

Property Type	Single Family Home
Details	1.5 ba · 1,430 sqft
Lot Size	1.84 acres (80,150 sqft)
Owner	Individual Name on Record
Last Sale	$154,000 (Mar 2022)
Tax Bill	$2,260 (2024)
Deeds & Mortgages	Mar 2022 Sale & Mortgage Jun 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`01-19-30-400-028`

Property Details

APN / Parcel Number

Primary APN	`01-19-30-400-028`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Building Area	1,430 sqft Living Area
1st Floor Area	1,430 sqft
Basement Area	1,430 sqft

Exterior

Architectural Style	Ranch
Lot Area	80,150 sqft (1.84 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	4748 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	PT OF N ? OF SE ? OF SECTION 30, COM AT STK AT SE COR OF SD SEC, TH ALG E LN OF SD SEC N00?44?30?E 1320.37 FT TO S 1/8 LN OF SD SEC, TH CONT ALG SD SEC LN N00?44?30?E 200.03 FT TO POB, TH S89?59?29?W 33 FT TO W LN OF HOWARD RD, TH CONT S89?59?29?W 36
Legal Range	05W
Legal Township	34N
Legal Section	30
Jurisdiction	EMMET MI
Township / Civil Division	BEAR CREEK
Census Block Group	2
Census Block	2014
Census Tract	970600

Owner

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	Individual Name on Record
Mailing Address	4748 HOWARD RD, PETOSKEY, MI 49770-8813
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 14, 2022	Warranty Deed, Transfer · Conventional Mortgage UNION HOME MORTGAGE
Jun 29, 2021	Warranty Deed, Transfer · Conventional Mortgage 4FRONT CREDIT UNION

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 14, 2022 · Amount on Record
Deed Sale	Mar 14, 2022 · Amount on Record
Prior Sale	Jun 29, 2021 · Amount on Record
Deed Document Number	20225195216
Deed Book / Page	1242 / 243
Prior Transfer Date	Jun 25, 2021
Prior Transfer Doc	001234/598
Record Updated	Oct 29, 2026

March 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EMMET MI
Recording Date	Mar 14, 2022
Property Address	4748 HOWARD RD, PETOSKEY, MI 49770-8813
Document Number	001242/243
Book / Page	1242 / 243
Instrument Date	Mar 11, 2022
Instrument	5195216
Transaction Type	Transfer
Record Updated	Aug 12, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4748 HOWARD RD, PETOSKEY, MI 49770-8813
Investor	Possibly a Property Investor

Mortgage

Document Number	0005195217
Date	Mar 14, 2022
Instrument	5195217

Lender

Name	UNION HOME MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	358 Months
Due	Jan 1, 2052

June 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EMMET MI
Recording Date	Jun 29, 2021
Property Address	4748 HOWARD RD, PETOSKEY, MI 49770-8813
Document Number	001234/598
Book / Page	1234 / 598
Instrument Date	Jun 25, 2021
Instrument	5187562
Transaction Type	Transfer
Record Updated	Aug 12, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4748 HOWARD RD, PETOSKEY, MI 49770-8813

Mortgage

Document Number	0000001234/0000000599
Date	Jun 29, 2021
Book Page	0000001234/0000000599
Instrument	5187563

Lender

Name	4FRONT CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2051

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Michigan
County	Emmet County
County Subdivision	Bear Creek Township
Unified School District	Public Schools of Petoskey (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$124,100 (+8.57%) Land $12,500 Building $111,600	$248,200 (+8.57%) Land $25,000 Building $223,200
2025		$114,300 (+31.23%) Land $10,100 Building $104,200	$228,600 (+31.23%) Land $20,200 Building $208,400
2024	$2,260.00
2023		$87,100 Land $8,700 Building $78,400	$174,200 Land $17,400 Building $156,800

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 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

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.

Internet Providers

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

Cell Coverage

5G (outdoors only) and 4G LTE

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