509 Charlevoix Ave, Petoskey, MI 49770 Property Records

Emmet County property record for 509 Charlevoix Ave, Petoskey, MI 49770

Property Summary

Property Type	Single Family Home
Lot Size	0.185 acres (8,059 sqft)
Owner	2 Company Names on Record
Last Sale	$152,000 (Nov 2002)
Tax Bill	$2,483 (2024)
Deeds & Mortgages	Aug 2023 Transfer Apr 2017 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`52-19-06-326-004`

Property Details

APN / Parcel Number

Primary APN	`52-19-06-326-004`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,702 sqft Living Area
1st Floor Area	1,162 sqft
Basement Area	1,162 sqft
Unfinished Basement	1,162 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1940
Lot Area	8,059 sqft (0.185 acres)
Garage Area	540 sqft

Location & Zoning

Street Address	509 CHARLEVOIX AVE
City	PETOSKEY
State	MI
Zip	49770-2205
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	COP RM-2
Legal Description	JARMAN'S ADDITION LOT 7 & W 33 FT OF LOT 8. SECTION 6, T34N, R5W
Legal Range	05W
Legal Township	34N
Legal Section	06
Legal Subdivision	JARMANS ADD
Legal Lot Number	7-8
Jurisdiction	EMMET MI
Township / Civil Division	PETOSKEY
Census Block Group	1
Census Block	1048
Census Tract	970800

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	2 Company Names on Record
Mailing Address	509 CHARLEVOIX AVE, PETOSKEY, MI 49770-2205
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Life Estate

Deeds, Mortgages & Sale History

Date	Document
Aug 9, 2023	Quit Claim Deed, Transfer Quitclaim
Apr 12, 2017	Deed of Trust, Mortgage · Line of Credit JPMORGAN CHASE BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 22, 2002 · Amount on Record
Deed Sale	Nov 22, 2002 · Amount on Record
Deed Book / Page	917 / 269
Last Transfer Date	Aug 3, 2023
Transfer Doc	001253/947
Record Updated	Oct 29, 2026

August 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	EMMET MI
Recording Date	Aug 9, 2023
Property Address	509 CHARLEVOIX AVE, PETOSKEY, MI 49770-2205
Document Number	001253/947
Book / Page	1253 / 947
Instrument Date	Aug 3, 2023
Instrument	5206939
Transaction Type	Transfer
Record Updated	Aug 18, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	509 CHARLEVOIX AVE, PETOSKEY, MI 49770-2205

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EMMET MI
Property Address	509 CHARLEVOIX AVE, PETOSKEY, MI 49770-2205
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1194/0070
Date	Apr 12, 2017
Book Page	1194/0070
Instrument	5146946

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	420 Months
Due	Mar 31, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Michigan
County	Emmet County
Municipality	Petoskey City
Unified School District	Public Schools of Petoskey (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$243,000 (+19.82%) Land $243,000	$486,000 (+19.82%) Land $486,000
2025		$202,800 (+54.81%) Land $202,800	$405,600 (+54.81%) Land $405,600
2024	$2,483.00
2023		$131,000 Land $131,000	$262,000 Land $262,000

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 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
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.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 94% of the US · lower than 85% of Michigan
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CITY OF PETOSKEY serves 8,979 people · EPA ID MI0005300
Water Source	Groundwater
Last State Inspection	Aug 2023
Lead	2 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 240 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

May also be available: AT&T.

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