519 State St, Petoskey, MI 49770 Property Records

Emmet County property record for 519 State St, Petoskey, MI 49770

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,816 sqft
Lot Size	0.164 acres (7,172 sqft)
Owner	2 Individual Names on File
Last Sale	$35,000 (Jul 1982)
Tax Bill	$1,777 (2024)
Deeds & Mortgages	Sep 2020 Mortgage Sep 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`52-19-05-100-066`

Property Details

APN / Parcel Number

Primary APN	`52-19-05-100-066`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Building Area	1,816 sqft Living Area
1st Floor Area	1,129 sqft
Basement Area	933 sqft
Unfinished Basement	933 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Lot Area	7,172 sqft (0.164 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	519 STATE ST
City	PETOSKEY
State	MI
Zip	49770-2750
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	COP R-2
Legal Description	VILLAGE OF PETOSKEY CITY LOT 8 BLK 4. SECTION 5, T34N, R5W
Legal Range	05W
Legal Township	34N
Legal Section	05
Legal Subdivision	VILLAGE OF PETOSKEY CITY
Legal Block	4
Legal Lot Number	8
Jurisdiction	EMMET MI
Township / Civil Division	PETOSKEY
Census Block Group	2
Census Block	2013
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

519 State St is owned and occupied by two individuals who bought it in July 1982.

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

Owner of Record	2 Individual Names on File
Mailing Address	519 STATE ST, PETOSKEY, MI 49770-2750
Occupancy	Owner Occupied
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
Sep 16, 2020	Deed of Trust, Mortgage · Conventional Mortgage ST FRANCIS X FEDERAL CREDIT UNION
Sep 16, 2020	Deed of Trust, Mortgage · Conventional Mortgage ST FRANCIS X FEDERAL CREDIT UNION

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 1, 1982 · Amount on File
Deed Sale	Jul 1, 1982 · Amount on File
Record Updated	Oct 29, 2026

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EMMET MI
Property Address	519 STATE ST, PETOSKEY, MI 49770-2750
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	519 STATE ST, PETOSKEY, MI 49770-2750

Mortgage

Document Number	0000001225/0000000133
Date	Sep 16, 2020
Book Page	0000001225/0000000133
Instrument	5178083

Lender

Name	ST FRANCIS X FEDERAL CREDIT UNION

Agreement

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

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EMMET MI
Property Address	519 STATE ST, PETOSKEY, MI 49770-2750
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	519 STATE ST, PETOSKEY, MI 49770-2750

Mortgage

Document Number	0000001225/0000000132
Date	Sep 16, 2020
Book Page	0000001225/0000000132
Instrument	5178082

Lender

Name	ST FRANCIS X FEDERAL CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2050

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		$175,400 Land $175,400	$350,800 Land $350,800
2024	$1,777.00
2023		$114,300 Land $114,300	$228,600 Land $228,600

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 519 State St in Zone X, an area of minimal flood risk.

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

Wildfire risk around 519 State 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 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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