511 Bay St, Petoskey, MI 49770 Property Records

Emmet County property record for 511 Bay St, Petoskey, MI 49770

Property Summary

Property Type	Single Family Home
Lot Size	0.034 acres (1,494 sqft)
Owner	Individual Name on Record
Last Sale	$323,500 (Sep 2021)
Tax Bill	$5,046 (2024)
Deeds & Mortgages	Sep 2021 Sale & Mortgage Jul 2017 Transfer
Flood Zone	Zone X (minimal risk)
APN	`52-19-05-102-016`

Property Details

APN / Parcel Number

Primary APN	`52-19-05-102-016`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,440 sqft Living Area
1st Floor Area	720 sqft

Exterior

Lot Area	1,494 sqft (0.034 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	511 BAY ST
City	PETOSKEY
State	MI
Zip	49770-2502
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	COP RM-2
Legal Description	FRANCIS PETOSKEY'S ADDITION E 31 FT OF LOT 1 BLK 3 SECTION 5, T34N, R5W
Legal Range	05W
Legal Township	34N
Legal Section	05
Legal Subdivision	FRANCIS PETOSKEYS ADDITION
Legal Block	3
Legal Lot Number	1
Jurisdiction	EMMET MI
Township / Civil Division	PETOSKEY
Census Block Group	1
Census Block	1073
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 shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	511 BAY ST, PETOSKEY, MI 49770-2502
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 23, 2021	Warranty Deed, Transfer · Conventional Mortgage MERCANTILE BANK OF MICHIGAN
Jul 3, 2017	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 23, 2021 · Amount on Record
Deed Sale	Sep 23, 2021 · Amount on Record
Prior Sale	Dec 30, 2004 · Amount on Record
Deed Document Number	20215190351
Deed Book / Page	1237 / 390
Prior Transfer Date	Mar 30, 2017
Prior Transfer Doc	1195/0973
Record Updated	Oct 29, 2026

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EMMET MI
Recording Date	Sep 23, 2021
Property Address	511 BAY ST, PETOSKEY, MI 49770-2502
Document Number	1237/390
Book / Page	1237 / 390
Instrument Date	Sep 8, 2021
Instrument	5190351
Transaction Type	Transfer
Record Updated	Oct 11, 2021

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	3583 CANAL ST, INDIAN RIVER, MI 49749-9409

Mortgage

Document Number	0000001237/0000000391
Date	Sep 23, 2021
Book Page	0000001237/0000000391
Instrument	5190352

Lender

Name	MERCANTILE BANK OF MICHIGAN

Agreement

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

July 2017: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	EMMET MI
Recording Date	Jul 3, 2017
Property Address	511 BAY ST, PETOSKEY, MI 49770-2502
Document Number	1195/0973
Book / Page	1195 / 0973
Instrument Date	Mar 30, 2017
Instrument	5148848
Transaction Type	Transfer
Record Updated	Jun 6, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	29920 ARDMORE DR, 29920, FARMINGTON HILLS, MI 48334-2114

Transferred To (Grantee/Buyer)

Name	Verified Name

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		$158,000 (+30.36%) Land $158,000	$316,000 (+30.36%) Land $316,000
2025		$121,200 (+22.18%) Land $121,200	$242,400 (+22.18%) Land $242,400
2024	$5,046.00
2023		$99,200 Land $99,200	$198,400 Land $198,400

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 · 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
Nearby Flood Policies	4 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 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 172 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.

Nearby Properties on Bay St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures