Emmet County property record for 512 E Lake St, Petoskey, MI 49770 · Last verified August 2026
| Property Type | Single Family Home |
|---|---|
| Lot Size | 0.078 acres (3,425 sqft) |
| Owner | Company Name on File |
| Tax Bill | $4,629 (2024) |
| Deeds & Mortgages | Jan 2022 Mortgage Sep 2019 Refinance + 10 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 52-19-05-102-030 |
| Primary APN | 52-19-05-102-030 |
|---|
| Lot Area | 3,425 sqft (0.078 acres) |
|---|
| Street Address | 512 E LAKE ST |
|---|---|
| City | PETOSKEY |
| State | MI |
| Zip | 49770-2521 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | FRANCIS PETOSKEY'S ADDITION E 37 FT OF LOTS 5 & 6 BLK 1 SECTION 5, T34N, R5W |
| Legal Range | 05W |
| Legal Township | 34N |
| Legal Section | 05 |
| Legal Subdivision | FRANCIS PETOSKEYS ADDITION |
| Legal Block | 1 |
| Legal Lot Number | 5-6 |
| Jurisdiction | EMMET MI |
| Township / Civil Division | PETOSKEY |
| Census Block Group | 2 |
| Census Block | 2004 |
| Census Tract | 970700 |
Source: Emmet County records · APN 52-19-05-102-030
Assessment roll updated July 21, 2026 · Last verified August 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 512 E LAKE ST, PETOSKEY, MI 49770-2521 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust |
| Date | Document |
|---|---|
| Jan 12, 2022 | Deed of Trust, Mortgage · Commercial Mortgage FIRST COMMUNITY BANK |
| Sep 04, 2019 | Deed of Trust, Mortgage · Stand-Alone Refinance CASON HOME LOANS |
| Oct 01, 2018 | Deed of Trust, Mortgage CASON HOME LOANS |
| Sep 04, 2019 | Deed of Trust, Mortgage · Stand-Alone Refinance CASON HOME LOANS |
| May 27, 2020 | Deed of Trust, Mortgage · Conventional Mortgage CASON HOME LOANS |
| May 20, 2021 | Deed of Trust, Mortgage · Conventional Mortgage HOME POINT FINANCIAL |
| Feb 18, 2025 | Deed of Trust, Mortgage · Conventional Mortgage FIRST COMMUNITY BANK |
| Nov 27, 2024 | Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE |
| Dec 15, 2025 | Quit Claim Deed, Transfer Quitclaim |
| Oct 26, 2023 | Quit Claim Deed, Transfer Quitclaim |
| Jan 12, 2022 | Warranty Deed, Transfer · Commercial Mortgage FIRST COMMUNITY BANK |
| Aug 04, 2017 | Warranty Deed, Transfer · ARM CHEMICAL BANK |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Oct 26, 2023 |
| Deed Sale | Oct 26, 2023 |
| Prior Sale | Jan 12, 2022 · Amount on Record |
| Deed Document Number | 20235208680 |
| Deed Book / Page | 1255 / 690 |
| Prior Transfer Date | Oct 25, 2023 |
| Prior Transfer Doc | 001255/690 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | EMMET MI |
| Property Address | 512 E LAKE ST, PETOSKEY, MI 49770-2521 |
| Transaction Type | Mortgage |
| Record Updated | Jan 26, 2026 |
| Name | Verified Name |
|---|---|
| Address | PO BOX 367, PETOSKEY, MI 49770-0367 |
| Document Number | 0005193736 |
|---|---|
| Date | Jan 12, 2022 |
| Instrument | 5193736 |
| Name | FIRST COMMUNITY BANK |
|---|
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | EMMET MI |
| Property Address | 512 E LAKE ST, PETOSKEY, MI 49770-2521 |
| Transaction Type | Mortgage |
| Record Updated | Jan 26, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0000001214/0000000860 |
|---|---|
| Date | Sep 04, 2019 |
| Book Page | 0000001214/0000000860 |
| Instrument | 5167779 |
| Name | CASON HOME LOANS |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 352 Months |
| Due | Jan 01, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | EMMET MI |
| Property Address | 512 E LAKE ST, PETOSKEY, MI 49770-2521 |
| Transaction Type | Mortgage |
| Record Updated | Jan 20, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0000001206/0000000903 |
|---|---|
| Date | Oct 01, 2018 |
| Book Page | 0000001206/0000000903 |
| Instrument | 000005159797 |
| Name | CASON HOME LOANS |
|---|---|
| Type | Mortgage Company |
| Amount | Amount Recorded |
|---|---|
| Term | 351 Months |
| Due | Jan 01, 2048 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | EMMET MI |
| Property Address | 512 E LAKE ST, PETOSKEY, MI 49770-2521 |
| Transaction Type | Mortgage |
| Record Updated | Jan 20, 2026 |
| Name | Verified Name |
|---|
| Document Number | 001214/860 |
|---|---|
| Date | Sep 04, 2019 |
| Book Page | 1214/860 |
| Instrument | 5167779 |
| Name | CASON HOME LOANS |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 01, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | EMMET MI |
| Property Address | 512 E LAKE ST, PETOSKEY, MI 49770-2521 |
| Transaction Type | Mortgage |
| Record Updated | Jan 20, 2026 |
| Name | Verified Name |
|---|---|
| Address | 512 E LAKE ST, PETOSKEY, MI 49770-2521 |
| Document Number | 0000001221/0000000685 |
|---|---|
| Date | May 27, 2020 |
| Book Page | 0000001221/0000000685 |
| Instrument | 5174628 |
| Name | CASON HOME LOANS |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Jan 01, 2035 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | EMMET MI |
| Property Address | 512 E LAKE ST, PETOSKEY, MI 49770-2521 |
| Transaction Type | Mortgage |
| Record Updated | Jan 20, 2026 |
| Name | Verified Name |
|---|---|
| Address | 512 E LAKE ST, PETOSKEY, MI 49770-2521 |
| Document Number | 0000001233/0000000302 |
|---|---|
| Date | May 20, 2021 |
| Book Page | 0000001233/0000000302 |
| Instrument | 5186267 |
| Name | HOME POINT FINANCIAL |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 01, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | EMMET MI |
| Property Address | 512 E LAKE ST, PETOSKEY, MI 49770-2521 |
| Transaction Type | Mortgage |
| Record Updated | Jan 20, 2026 |
| Name | Verified Name |
|---|---|
| Address | 512 E LAKE ST, PETOSKEY, MI 49770-2521 |
| Document Number | 0000001265/0000000125 |
|---|---|
| Date | Feb 18, 2025 |
| Book Page | 0000001265/0000000125 |
| Instrument | 5218154 |
| Name | FIRST COMMUNITY BANK |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | EMMET MI |
| Property Address | 512 E LAKE ST, PETOSKEY, MI 49770-2521 |
| Transaction Type | Mortgage |
| Record Updated | Jan 20, 2026 |
| Name | Verified Name |
|---|---|
| Address | 512 E LAKE ST, PETOSKEY, MI 49770-2521 |
| Document Number | 0000001263/0000000795 |
|---|---|
| Date | Nov 27, 2024 |
| Book Page | 0000001263/0000000795 |
| Instrument | 5216810 |
| Name | UNITED WHOLESALE |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Jan 01, 2039 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | EMMET MI |
| Recording Date | Dec 15, 2025 |
| Property Address | 512 E LAKE ST, PETOSKEY, MI 49770-2521 |
| Document Number | 001271/923 |
| Book / Page | 1271 / 923 |
| Instrument Date | Dec 09, 2025 |
| Instrument | 5224959 |
| Transaction Type | Transfer |
| Record Updated | Jan 20, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 512 E LAKE ST, PETOSKEY, MI 49770-2521 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | EMMET MI |
| Recording Date | Oct 26, 2023 |
| Property Address | 512 E LAKE ST, PETOSKEY, MI 49770-2521 |
| Document Number | 001255/690 |
| Book / Page | 1255 / 690 |
| Instrument Date | Oct 25, 2023 |
| Instrument | 5208680 |
| Transaction Type | Transfer |
| Record Updated | Jan 20, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 512 E LAKE ST, PETOSKEY, MI 49770-2521 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | EMMET MI |
| Recording Date | Jan 12, 2022 |
| Property Address | 512 E LAKE ST, PETOSKEY, MI 49770-2521 |
| Document Number | 001240/760 |
| Book / Page | 1240 / 760 |
| Instrument Date | Jan 07, 2022 |
| Instrument | 5193735 |
| Transaction Type | Transfer |
| Record Updated | Jan 20, 2026 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | PO BOX 367, PETOSKEY, MI 49770-0367 |
| Document Number | 0005193736 |
|---|---|
| Date | Jan 12, 2022 |
| Instrument | 5193736 |
| Name | FIRST COMMUNITY BANK |
|---|
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | EMMET MI |
| Recording Date | Aug 04, 2017 |
| Property Address | 512 E LAKE ST, PETOSKEY, MI 49770-2521 |
| Document Number | 01196/0768 |
| Book / Page | 1196 / 0768 |
| Instrument Date | Aug 03, 2017 |
| Instrument | 5149644 |
| Transaction Type | Transfer |
| Record Updated | Jan 20, 2026 |
| Title Company | TALON TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,150.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 9713 MANITOU LN, LEVERING, MI 49755-9547 |
| Name | Verified Name |
|---|---|
| Address | 4441 BRIGHTON DR, GRAND BLANC, MI 48439-8086 |
| Investor | Possibly a Property Investor |
| Document Number | 01196/0769 |
|---|---|
| Date | Aug 04, 2017 |
| Book Page | 1196/0769 |
| Instrument | 5149645 |
| Name | CHEMICAL BANK |
|---|---|
| Type | Bank |
| Address | WYOMING, MI 49519 |
| Type | ARM |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 01, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.87% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Sep 01, 2027 |
| Min Rate At Change | 2.75% |
| Max Rate At Change | 9.87% |
| Max Rate | 9.87% |
Source: Emmet County records · Assessment roll updated July 21, 2026 · Last verified August 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Emmet County |
| Municipality | Petoskey City |
| Unified School District | Public Schools of Petoskey (KG - 12) |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $186,000 (+28.28%) Land $186,000 | $372,000 (+28.28%) Land $372,000 | |
| 2025 | $145,000 (+22.05%) Land $145,000 | $290,000 (+22.05%) Land $290,000 | |
| 2024 | $4,629.00 | ||
| 2023 | $118,800 Land $118,800 | $237,600 Land $237,600 |
Source: FEMA National Flood Hazard Layer, Emmet County (26047C), updated May 31, 2022 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Wildfire Risk | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach |
Values are read at the parcel center point; lenders make the official flood determination.
Source: NPS National Register of Historic Places · August 1, 2026 release · Last verified October 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.
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