509 State St, Petoskey, MI 49770 Property Records

Emmet County property record for 509 State St, Petoskey, MI 49770

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,892 sqft · built 1900
Lot Size	0.166 acres (7,248 sqft)
Owner	2 Individual Names on File
Last Sale	$326,000 (Jun 2019)
Tax Bill	$3,529 (2024)
Deeds & Mortgages	Jul 2020 Mortgage Jun 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`52-19-05-100-064`

Property Details

APN / Parcel Number

Primary APN	`52-19-05-100-064`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,892 sqft Living Area
1st Floor Area	1,004 sqft
Basement Area	976 sqft
Unfinished Basement	976 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Lot Area	7,248 sqft (0.166 acres)
Garage Area	650 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	509 STATE ST
City	PETOSKEY
State	MI
Zip	49770-2750
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	COP R-2
Legal Description	VILLAGE OF PETOSKEY CITY LOT 10 BLK 4 SECTION 5, T34N, R5W
Legal Range	05W
Legal Township	34N
Legal Section	05
Legal Subdivision	VILLAGE OF PETOSKEY CITY
Legal Block	4
Legal Lot Number	10
Jurisdiction	EMMET MI
Township / Civil Division	PETOSKEY
Census Block Group	2
Census Block	2013
Census Tract	970700

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the East Mitchell Street Historic District listed 1986 · 284 contributing resources · NRIS 86001983

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

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

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

Owner of Record	2 Individual Names on File
Mailing Address	509 STATE ST, PETOSKEY, MI 49770-2750
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 14, 2020	Deed of Trust, Mortgage · Conventional Mortgage JP MORGAN CHASE BANK
Jun 10, 2019	Warranty Deed, Transfer · Stand-Alone First Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 10, 2019 · Amount on File
Deed Sale	Jun 10, 2019 · Amount on File
Prior Sale	Jun 30, 2011 · Amount on File
Deed Document Number	20195165671
Deed Book / Page	1212 / 751
Prior Transfer Date	Apr 22, 1999
Prior Transfer Doc	0693000265
Record Updated	Oct 29, 2026

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EMMET MI
Property Address	509 STATE ST, PETOSKEY, MI 49770-2750
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	509 STATE ST, PETOSKEY, MI 49770-2750

Mortgage

Document Number	0000001223/0000000024
Date	Jul 14, 2020
Book Page	0000001223/0000000024
Instrument	5175965

Lender

Name	JP MORGAN CHASE BANK

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2050

Interest

Rate Type	Adjustable Rate

June 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EMMET MI
Recording Date	Jun 10, 2019
Property Address	509 STATE ST, PETOSKEY, MI 49770-2750
Document Number	1212/751
Book / Page	1212 / 751
Instrument Date	Jun 6, 2019
Instrument	5165671
Transaction Type	Transfer
Record Updated	Jun 22, 2021
Title Company	ATTORNEYS TITLE

Transaction

Amount	Amount 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	610 GROVE ST, PETOSKEY, MI 49770-2731

Mortgage

Document Number	5165672
Date	Jun 10, 2019
Instrument	5165672

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Mortgage

Document Number	001212/751
Date	Jun 10, 2019
Book Page	1212/751
Instrument	5165671

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record
Term	181 Months
Due	Jul 1, 2034

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		$218,200 (+54.75%) Land $218,200	$436,400 (+54.75%) Land $436,400
2024	$3,529.00
2023		$141,000 Land $141,000	$282,000 Land $282,000

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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	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 508 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

May also be available: AT&T.

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