Emmet County property record for 481 Overbay Dr, Petoskey, MI 49770
| Property Type | Single Family Home |
|---|---|
| Lot Size | 0.361 acres (15,740 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $197,500 (Aug 2017) |
| Tax Bill | $2,639 (2024) |
| Deeds & Mortgages | Jan 2021 Mortgage Aug 2017 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 13-18-01-351-017 |
| Primary APN | 13-18-01-351-017 |
|---|
| Lot Area | 15,740 sqft (0.361 acres) |
|---|
| Street Address | 481 OVERBAY DR |
|---|---|
| City | PETOSKEY |
| State | MI |
| Zip | 49770-9704 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RT R-1 |
| Legal Description | PLAT OF BALDWIN HEIGHTS, LOT 14. SECTION 1, T34N, R6W |
| Legal Range | 06W |
| Legal Township | 34N |
| Legal Section | 01 |
| Legal Subdivision | BALDWIN HEIGHTS |
| Legal Lot Number | 14 |
| Jurisdiction | EMMET MI |
| Township / Civil Division | RESORT |
| Census Block Group | 1 |
| Census Block | 1049 |
| Census Tract | 970800 |
Source: Emmet County records, as of July 21, 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 | 481 OVERBAY DR, PETOSKEY, MI 49770-9704 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 21, 2021 | Deed of Trust, Mortgage · Conventional Mortgage TCF NATIONAL BANK |
| Aug 3, 2017 | Warranty Deed, Transfer |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 3, 2017 · Amount on Record |
| Deed Sale | Aug 3, 2017 · Amount on Record |
| Prior Sale | Jan 14, 1998 |
| Deed Document Number | 20175149608 |
| Deed Book / Page | 1196 / 732 |
| Prior Transfer Date | Oct 20, 2015 |
| Prior Transfer Doc | 1181/0055 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | EMMET MI |
| Property Address | 481 OVERBAY DR, PETOSKEY, MI 49770-9704 |
| Transaction Type | Mortgage |
| Record Updated | Feb 15, 2021 |
| Name | Verified Name |
|---|---|
| Address | 481 OVERBAY DR, PETOSKEY, MI 49770-9704 |
| Document Number | 0000001229/0000000281 |
|---|---|
| Date | Jan 21, 2021 |
| Book Page | 0000001229/0000000281 |
| Instrument | 5182249 |
| Name | TCF NATIONAL BANK |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | EMMET MI |
| Recording Date | Aug 3, 2017 |
| Property Address | 481 OVERBAY DR, PETOSKEY, MI 49770-9704 |
| Document Number | 1196/0732 |
| Book / Page | 1196 / 0732 |
| Instrument Date | Jul 6, 2017 |
| Instrument | 5149608 |
| Transaction Type | Transfer |
| Record Updated | Jun 22, 2021 |
| Amount | Amount Recorded |
|---|---|
| Tax | $1,698.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2436 CAMDEN LAKE VW NW, 2436, ACWORTH, GA 30101-8086 |
| Name | Verified Name |
|---|---|
| Address | 928 FRANKLIN ST, PETOSKEY, MI 49770-2960 |
Source: Emmet County assessment roll, as of July 21, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Emmet County |
| County Subdivision | Resort Township |
| Unified School District | Public Schools of Petoskey (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $165,500 (+16.47%) Land $165,500 | $331,000 (+16.47%) Land $331,000 | |
| 2025 | $142,100 (-0.98%) Land $142,100 | $284,200 (-0.98%) Land $284,200 | |
| 2024 | $2,639.00 | ||
| 2023 | $143,500 Land $143,500 | $287,000 Land $287,000 |
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 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 13 policies |
| Nearby Flood Policies | 13 in force |
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; 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 46 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 |
| Starlink Satellite | 280 / 30 |
| T-Mobile Fixed Wireless | 100 / 20 |
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