5037 Howard Rd, Petoskey, MI 49770 Property Records

Emmet County property record for 5037 Howard Rd, Petoskey, MI 49770

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 1,456 sqft
Lot Size	3 acres (130,680 sqft)
Owner	2 Individual Names on File
Last Sale	$440,000 (Aug 2023)
Tax Bill	$6,678 (2024)
Deeds & Mortgages	Jan 2026 Mortgage Aug 2023 Sale & Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`01-19-32-100-001`

Property Details

APN / Parcel Number

Primary APN	`01-19-32-100-001`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Building Area	1,456 sqft Living Area
1st Floor Area	1,456 sqft
Basement Area	1,456 sqft
Unfinished Basement	1,456 sqft

Exterior

Lot Area	130,680 sqft (3 acres)
Garage Area	576 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	5037 HOWARD RD
City	PETOSKEY
State	MI
Zip	49770-9508
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	EC FF-1
Legal Description	COM AT NW COR, TH E 418 FT, S 363.79 FT, W 190 FT, N 93.79 FT, W 228 FT TO W LN OF SEC, N 270 FT TO POB. 3 AC. SECTION 32, T34N, R5W.
Legal Range	05W
Legal Township	34N
Legal Section	32
Jurisdiction	EMMET MI
Township / Civil Division	BEAR CREEK
Census Block Group	1
Census Block	1051
Census Tract	970600

Owner

5037 Howard Rd is owned by two individuals who bought it in August 2023.

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

Owner of Record	2 Individual Names on File
Mailing Address	1965 WALDENWOOD TRL, HARBOR SPRINGS, MI 49740-9358
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Date	Document
Jan 5, 2026	Deed of Trust, Mortgage · Conventional Mortgage MERCANTILE BANK
Aug 11, 2023	Warranty Deed, Transfer · Conventional Mortgage UNION HOME MORTGAGE
Apr 9, 2021	Deed of Trust, Mortgage · Conventional Mortgage ST FRANCIS X FEDERAL CREDIT UNION
May 12, 2017	Deed of Trust, Mortgage ST FRANCIS X FCU
May 12, 2017	Deed of Trust, Mortgage · Line of Credit ST FRANCIS X FCU
Apr 8, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance ST FRANCIS X FEDERAL CREDIT UNION

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 11, 2023 · Amount on File
Deed Sale	Aug 11, 2023 · Amount on File
Deed Document Number	20235206998
Deed Book / Page	1254 / 7
Record Updated	Oct 29, 2026

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EMMET MI
Property Address	5037 HOWARD RD, PETOSKEY, MI 49770-9508
Transaction Type	Mortgage
Record Updated	Jan 20, 2026
Title Company	ARK TITLE GROUP LLC, AL TITLE GROUP LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1965 WALDENWOOD TRL, HARBOR SPRINGS, MI 49740-9358
Investor	Possibly a Property Investor

Mortgage

Document Number	0000001272/0000000304
Date	Jan 5, 2026
Book Page	0000001272/0000000304
Instrument	5225355

Lender

Name	MERCANTILE BANK

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2056

August 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EMMET MI
Recording Date	Aug 11, 2023
Property Address	5037 HOWARD RD, PETOSKEY, MI 49770-9508
Document Number	00001254/7
Book / Page	1254 / 7
Instrument Date	Aug 3, 2023
Instrument	5206998
Transaction Type	Transfer
Record Updated	Aug 18, 2023

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$37.84
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	5037 HOWARD RD, PETOSKEY, MI 49770-9508
Investor	Possibly a Property Investor

Mortgage

Document Number	0005206999
Date	Aug 11, 2023
Instrument	5206999

Lender

Name	UNION HOME MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	353 Months
Due	Jan 1, 2053

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EMMET MI
Property Address	5037 HOWARD RD, PETOSKEY, MI 49770-9508
Transaction Type	Mortgage
Record Updated	May 3, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5037 HOWARD RD, PETOSKEY, MI 49770-9508

Mortgage

Document Number	0000001232/0000000022
Date	Apr 9, 2021
Book Page	0000001232/0000000022
Instrument	5184987

Lender

Name	ST FRANCIS X FEDERAL CREDIT UNION

Agreement

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

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EMMET MI
Property Address	5037 HOWARD RD, PETOSKEY, MI 49770-9508
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1194/0734
Date	May 12, 2017
Book Page	1194/0734
Instrument	5147610

Lender

Name	ST FRANCIS X FCU
Address	PETOSKEY, MI 49770

Agreement

Amount	Amount on Record
Term	180 Months
Due	May 3, 2032

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EMMET MI
Property Address	5037 HOWARD RD, PETOSKEY, MI 49770-9508
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1194/0733
Date	May 12, 2017
Book Page	1194/0733
Instrument	5147609

Lender

Name	ST FRANCIS X FCU
Address	PETOSKEY, MI 49770

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	May 5, 2037

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EMMET MI
Property Address	5037 HOWARD RD, PETOSKEY, MI 49770-9508
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1211/353
Date	Apr 8, 2019
Book Page	1211/353
Instrument	5164273

Lender

Name	ST FRANCIS X FEDERAL CREDIT UNION

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	181 Months
Due	May 1, 2034

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		$217,000 Land $16,500 Building $200,500	$434,000 Land $33,000 Building $401,000
2024	$6,678.00
2023		$102,200 Land $102,200	$204,400 Land $204,400

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 5037 Howard Rd in Zone X, an area of minimal flood risk.

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

Wildfire risk around 5037 Howard Rd is low, with a 0.01% annual chance of 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	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.

Internet Providers

Source: FCC Broadband Data Collection, based on 36 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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