512 Monroe St, Petoskey, MI 49770 Property Records

Emmet County property record for 512 Monroe St, Petoskey, MI 49770

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 919 sqft · built 1950
Lot Size	0.184 acres (8,035 sqft)
Owner	Individual Name on Record
Last Sale	$3,948 (Sep 2026)
Tax Bill	$2,620 (2024)
Deeds & Mortgages	Sep 2026 Foreclosure Mar 2026 Foreclosure + 2 more
Flood Zone	Zone X (minimal risk)
APN	`52-19-06-126-025`

Property Details

APN / Parcel Number

Primary APN	`52-19-06-126-025`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Building Area	919 sqft Living Area
1st Floor Area	919 sqft

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1950
Lot Area	8,035 sqft (0.184 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	512 MONROE ST
City	PETOSKEY
State	MI
Zip	49770-2265
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	COP RM-2
Legal Description	WEST PARK ADDITION LOT 12 BLK 5. SECTION 6, T34N, R5W
Legal Range	05W
Legal Township	34N
Legal Section	06
Legal Subdivision	WEST PARK ADDITION
Legal Block	5
Legal Lot Number	12
Jurisdiction	EMMET MI
Township / Civil Division	PETOSKEY
Census Block Group	1
Census Block	1005
Census Tract	970800

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	Individual Name on Record
Mailing Address	512 MONROE ST, PETOSKEY, MI 49770-2265
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 23, 2026	Foreclosure Foreclosure Auction
Mar 3, 2026	Foreclosure
Jan 16, 2024	Deed of Trust, Mortgage · Conventional Mortgage 4FRONT CREDIT UNION
Jan 14, 2021	Warranty Deed, Transfer · Conventional Mortgage WHITAKER STEPHEN J AND KAREN S

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 23, 2026 · Amount on Record
Deed Sale	Sep 23, 2026 · Amount on Record
Prior Sale	Mar 3, 2026 · Amount on Record
Deed Document Number	20265231208
Deed Book / Page	1278 / 154
Record Updated	Oct 29, 2026

September 2026: Foreclosure

Document Type	Foreclosure
Jurisdiction	EMMET MI
Recording Date	Sep 23, 2026
Property Address	512 MONROE ST, PETOSKEY, MI 49770-2265
Document Number	0005231208
Book / Page	1278 / 154
Instrument Date	Sep 23, 2026
Instrument	20265231208
Transaction Type	Foreclosure
Record Updated	Oct 5, 2026

Transaction

Amount	Amount Recorded
Tax	$0.00
Additional	Foreclosure Auction

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	512 MONROE ST, PETOSKEY, MI 49770-2265

March 2026: Foreclosure

Document Type	Foreclosure
Jurisdiction	EMMET MI
Recording Date	Mar 3, 2026
Property Address	512 MONROE ST, PETOSKEY, MI 49770-2265
Document Number	001273/656
Book / Page	1273 / 656
Instrument Date	Mar 3, 2026
Instrument	5226706
Transaction Type	Foreclosure
Record Updated	Mar 16, 2026

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Tax Sale

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	200 DIVISION ST, PETOSKEY, MI 49770-2486

January 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EMMET MI
Property Address	512 MONROE ST, PETOSKEY, MI 49770-2265
Transaction Type	Mortgage
Record Updated	Jan 30, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	512 MONROE ST, PETOSKEY, MI 49770-2265

Mortgage

Document Number	0000001257/0000000072
Date	Jan 16, 2024
Book Page	0000001257/0000000072
Instrument	5210080

Lender

Name	4FRONT CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2054

January 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EMMET MI
Recording Date	Jan 14, 2021
Property Address	512 MONROE ST, PETOSKEY, MI 49770-2265
Document Number	0001229/55
Book / Page	1229 / 55
Instrument Date	Jan 7, 2021
Instrument	5182023
Transaction Type	Transfer
Record Updated	Aug 12, 2022

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	512 MONROE ST, PETOSKEY, MI 49770-2265

Mortgage

Document Number	0000001229/0000000056
Date	Jan 14, 2021
Book Page	0000001229/0000000056
Instrument	5182024

Lender

Name	WHITAKER STEPHEN J AND KAREN S

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

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		$141,600 (+19.09%) Land $141,600	$283,200 (+19.09%) Land $283,200
2025		$118,900 (+62.21%) Land $118,900	$237,800 (+62.21%) Land $237,800
2024	$2,620.00
2023		$73,300 Land $73,300	$146,600 Land $146,600

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
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	Not rated no burnable land within 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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