517 Bay St, Petoskey, MI 49770 Property Records

Emmet County property record for 517 Bay St, Petoskey, MI 49770

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,945 sqft · built 1900
Lot Size	0.177 acres (7,716 sqft)
Owner	2 Individual Names on File
Last Sale	$795,000 (Oct 2023)
Tax Bill	$7,996 (2024)
Deeds & Mortgages	Oct 2023 Sale & Mortgage Apr 2020 Mortgage + 5 more
Flood Zone	Zone X (minimal risk)
APN	`52-19-05-102-011`

Property Details

APN / Parcel Number

Primary APN	`52-19-05-102-011`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Building Area	1,945 sqft Living Area
1st Floor Area	1,273 sqft
Basement Area	1,273 sqft
Unfinished Basement	1,273 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Lot Area	7,716 sqft (0.177 acres)
Garage Area	400 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	517 BAY ST
City	PETOSKEY
State	MI
Zip	49770-2502
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	COP R-1
Legal Description	FRANCIS PETOSKEY'S ADDITION LOT 9 BLK 3 & S 5 FT OF ADJ ABAN ALLEY. SECTION 5, T34N, R5W
Legal Range	05W
Legal Township	34N
Legal Section	05
Legal Subdivision	FRANCIS PETOSKEYS ADD
Legal Block	3
Legal Lot Number	9
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

517 Bay St is owned by two individuals who bought it in October 2023.

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

Owner of Record	2 Individual Names on File
Mailing Address	1511 KEARNEY WAY, DELAWARE, OH 43015-3623
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Date	Document
Oct 13, 2023	Warranty Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE
Apr 21, 2020	Deed of Trust, Mortgage · Conventional Mortgage CITIZENS NATIONAL BANK OF CHEBOYGAN
Feb 21, 2017	Deed of Trust, Mortgage · Line of Credit CITIZENS NATIONAL BANK OF CHEBOYGAN
Mar 8, 2019	Deed of Trust, Mortgage · Balloon Mortgage CITIZENS NATIONAL BANK
Apr 21, 2020	Deed of Trust, Mortgage · Conventional Mortgage CITIZENS NATIONAL BANK OF CHEBOYGAN
Sep 9, 2020	Deed, Transfer
Aug 7, 2020	Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 13, 2023 · Amount on File
Deed Sale	Oct 13, 2023 · Amount on File
Prior Sale	Aug 7, 2020 · Amount on File
Deed Document Number	20235208391
Deed Book / Page	1255 / 401
Prior Transfer Date	Sep 4, 2020
Prior Transfer Doc	1224/790
Record Updated	Oct 29, 2026

October 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EMMET MI
Recording Date	Oct 13, 2023
Property Address	517 BAY ST, PETOSKEY, MI 49770-2502
Document Number	001255/401
Book / Page	1255 / 401
Instrument Date	Sep 29, 2023
Instrument	5208391
Transaction Type	Transfer
Record Updated	Oct 20, 2023

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$68.37
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	1511 KEARNEY WAY, DELAWARE, OH 43015-3623

Mortgage

Document Number	0005208392
Date	Oct 13, 2023
Instrument	5208392

Lender

Name	ROCKET MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	351 Months
Due	Jan 1, 2053

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EMMET MI
Property Address	517 BAY ST, PETOSKEY, MI 49770-2502
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	517 BAY ST, PETOSKEY, MI 49770-2502

Mortgage

Document Number	0000001220/0000000712
Date	Apr 21, 2020
Book Page	0000001220/0000000712
Instrument	5173656

Lender

Name	CITIZENS NATIONAL BANK OF CHEBOYGAN

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Apr 20, 2040

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EMMET MI
Property Address	517 BAY ST, PETOSKEY, MI 49770-2502
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1192/0322
Date	Feb 21, 2017
Book Page	1192/0322
Instrument	5145200

Lender

Name	CITIZENS NATIONAL BANK OF CHEBOYGAN
Address	CHEBOYGAN, MI 49721

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	61 Months
Due	Feb 28, 2022

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EMMET MI
Property Address	517 BAY ST, PETOSKEY, MI 49770-2502
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1210/386
Date	Mar 8, 2019
Book Page	1210/386
Instrument	5163303

Lender

Name	CITIZENS NATIONAL BANK
Type	Bank

Agreement

Type	Balloon Mortgage
Amount	Amount on Record
Term	241 Months
Due	Apr 1, 2039

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EMMET MI
Property Address	517 BAY ST, PETOSKEY, MI 49770-2502
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	517 BAY ST, PETOSKEY, MI 49770-2502

Mortgage

Document Number	0000001220/0000000711
Date	Apr 21, 2020
Book Page	0000001220/0000000711
Instrument	5173655

Lender

Name	CITIZENS NATIONAL BANK OF CHEBOYGAN

Agreement

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

September 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	EMMET MI
Recording Date	Sep 9, 2020
Property Address	517 BAY ST, PETOSKEY, MI 49770-2502
Document Number	1224/790
Book / Page	1224 / 790
Instrument Date	Sep 4, 2020
Instrument	5177736
Transaction Type	Transfer
Record Updated	Jun 22, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	748 PINERY BLVD, LAKE ORION, MI 48362-1157

August 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	EMMET MI
Recording Date	Aug 7, 2020
Property Address	517 BAY ST, PETOSKEY, MI 49770-2502
Document Number	1223/850
Book / Page	1223 / 850
Instrument Date	Jul 29, 2020
Instrument	5176793
Transaction Type	Transfer
Record Updated	Jun 22, 2021

Transaction

Amount	Amount 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	748 PINERY BLVD, LAKE ORION, MI 48362-1157

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		$323,700 (+29.27%) Land $323,700	$647,400 (+29.27%) Land $647,400
2025		$250,400 Land $250,400	$500,800 Land $500,800
2024	$7,996.00
2023		$205,200 Land $205,200	$410,400 Land $410,400

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

FEMA maps place 517 Bay St in Zone X, an area of minimal flood risk.

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

Wildfire risk around 517 Bay St is low, with a 0.01% annual chance of 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.

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