514 State St, Petoskey, MI 49770 Property Records

Emmet County property record for 514 State St, Petoskey, MI 49770

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,634 sqft · built 1940
Lot Size	0.166 acres (7,241 sqft)
Owner	2 Individual Names on Record
Last Sale	$200,000 (Jul 2017)
Tax Bill	$3,620 (2024)
Deeds & Mortgages	Nov 2020 Mortgage Jul 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`52-19-05-100-088`

Property Details

APN / Parcel Number

Primary APN	`52-19-05-100-088`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Building Area	1,634 sqft Living Area
1st Floor Area	1,062 sqft
Basement Area	572 sqft
Unfinished Basement	572 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1940
Lot Area	7,241 sqft (0.166 acres)
Garage Area	200 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	514 STATE ST
City	PETOSKEY
State	MI
Zip	49770-2751
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	COP R-2
Legal Description	VILLAGE OF PETOSKEY CITY LOT 4 BLK 6. SECTION 5, T34N, R5W
Legal Range	05W
Legal Township	34N
Legal Section	05
Legal Subdivision	WILLAGE OF PETOSKEY CITY PLAT
Legal Block	6
Legal Lot Number	4
Jurisdiction	EMMET MI
Township / Civil Division	PETOSKEY
Census Block Group	2
Census Block	2017
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	2 Individual Names on Record
Mailing Address	514 STATE ST, PETOSKEY, MI 49770-2751
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 13, 2020	Deed of Trust, Mortgage · Conventional Mortgage TCF NATIONAL BANK
Jul 25, 2017	Warranty Deed, Transfer CHEMICAL BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 25, 2017 · Amount on Record
Deed Sale	Jul 25, 2017 · Amount on Record
Prior Sale	Nov 26, 2013 · Amount on Record
Deed Document Number	20175149364
Deed Book / Page	1196 / 488
Record Updated	Oct 29, 2026

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EMMET MI
Property Address	514 STATE ST, PETOSKEY, MI 49770-2751
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	514 STATE ST, PETOSKEY, MI 49770-2751

Mortgage

Document Number	0000001227/0000000121
Date	Nov 13, 2020
Book Page	0000001227/0000000121
Instrument	5180070

Lender

Name	TCF NATIONAL BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jan 1, 2035

July 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EMMET MI
Recording Date	Jul 25, 2017
Property Address	514 STATE ST, PETOSKEY, MI 49770-2751
Document Number	1196/0488
Book / Page	1196 / 0488
Instrument Date	Jul 24, 2017
Instrument	5149364
Transaction Type	Transfer
Record Updated	Jun 22, 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	1717 CHIPPEWA BEACH RD, INDIAN RIVER, MI 49749-9728

Mortgage

Document Number	1196/0489
Date	Jul 25, 2017
Book Page	1196/0489
Instrument	5149365

Lender

Name	CHEMICAL BANK
Type	Bank
Address	WYOMING, MI 49519

Agreement

Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2047

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		$226,300 (+57.92%) Land $226,300	$452,600 (+57.92%) Land $452,600
2024	$3,620.00
2023		$143,300 Land $143,300	$286,600 Land $286,600

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

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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