Emmet County property record for 520 E Lake St, Petoskey, MI 49770 · Last verified July 2026
| Property Type | Single Family Home |
|---|---|
| Lot Size | 0.114 acres (4,973 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $7,781 (2024) |
| Deeds & Mortgages | Apr 2009 Mortgage Jul 2021 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 52-19-05-102-032 |
| Primary APN | 52-19-05-102-032 |
|---|
| Lot Area | 4,973 sqft (0.114 acres) |
|---|
| Street Address | 520 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, LOT 8, BLK 1. EXC THEREFROM THE S 32.2 FT THEREOF. SECTION 5, T34N, R5W |
| Legal Range | 05W |
| Legal Township | 34N |
| Legal Section | 05 |
| Legal Subdivision | FRANCIS PETOSKEYS ADD |
| Legal Block | 1 |
| Legal Lot Number | 8 |
| Jurisdiction | EMMET MI |
| Township / Civil Division | PETOSKEY |
| Census Block Group | 2 |
| Census Block | 2004 |
| Census Tract | 970700 |
Source: Emmet County records · APN 52-19-05-102-032
Assessment roll updated July 21, 2026 · Last verified July 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 520 E LAKE ST, PETOSKEY, MI 49770-2521 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Individual(s) |
| Date | Document |
|---|---|
| Apr 13, 2009 | Deed of Trust, Mortgage NORTHWESTERN MORTGAGE COMPANY |
| Jul 02, 2021 | Deed of Trust, Mortgage · Conventional Mortgage MERCANTILE BANK OF MICHIGAN |
| Jun 27, 2025 | Deed of Trust, Mortgage · Conventional Mortgage MERCANTILE BANK |
| Jul 02, 2021 | Warranty Deed, Transfer · Conventional Mortgage MERCANTILE BANK OF MICHIGAN |
| Jul 02, 2021 | Warranty Deed, Transfer · Conventional Mortgage MERCANTILE BANK OF MICHIGAN |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Jun 27, 2025 |
| Deed Sale | Jun 27, 2025 |
| Prior Sale | Oct 19, 1999 · Amount on Record |
| Deed Document Number | 20255220981 |
| Deed Book / Page | 1267 / 954 |
| Prior Transfer Date | Jun 17, 2025 |
| Prior Transfer Doc | 001267/954 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | EMMET MI |
| Property Address | 520 E LAKE ST, PETOSKEY, MI 49770-2521 |
| Transaction Type | Mortgage |
| Record Updated | Jun 09, 2026 |
| Name | Verified Name |
|---|---|
| Address | 520 E LAKE ST, PETOSKEY, MI 49770-2521 |
| Document Number | 001111/877 |
|---|---|
| Date | Apr 13, 2009 |
| Book Page | 1111/877 |
| Instrument | 5064323 |
| Name | NORTHWESTERN MORTGAGE COMPANY |
|---|---|
| Address | PO BOX 809, TRAVERSE CITY, MI 49685 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | May 01, 2039 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | EMMET MI |
| Property Address | 520 E LAKE ST, PETOSKEY, MI 49770-2521 |
| Transaction Type | Mortgage |
| Record Updated | Jun 09, 2026 |
| Name | Verified Name |
|---|---|
| Address | 520 E LAKE ST, PETOSKEY, MI 49770-2521 |
| Document Number | 0005187747 |
|---|---|
| Date | Jul 02, 2021 |
| Instrument | 5187747 |
| Name | MERCANTILE BANK OF MICHIGAN |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 354 Months |
| Due | Jan 01, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 2.75% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | EMMET MI |
| Property Address | 520 E LAKE ST, PETOSKEY, MI 49770-2521 |
| Transaction Type | Mortgage |
| Record Updated | Jun 09, 2026 |
| Name | Verified Name |
|---|---|
| Address | 520 E LAKE ST, PETOSKEY, MI 49770-2521 |
| Document Number | 0000001267/0000000955 |
|---|---|
| Date | Jun 27, 2025 |
| Book Page | 0000001267/0000000955 |
| Instrument | 5220982 |
| Name | MERCANTILE BANK |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 01, 2055 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | EMMET MI |
| Recording Date | Jul 02, 2021 |
| Property Address | 520 E LAKE ST, PETOSKEY, MI 49770-2521 |
| Document Number | 1234/78 |
| Book / Page | 1234 / 78 |
| Instrument Date | Jun 18, 2021 |
| Instrument | 5187746 |
| Transaction Type | Transfer |
| Record Updated | Jul 27, 2021 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 520 E LAKE ST, PETOSKEY, MI 49770-2521 |
| Document Number | 5187747 |
|---|---|
| Date | Jul 02, 2021 |
| Instrument | 5187747 |
| Name | MERCANTILE BANK OF MICHIGAN |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 354 Months |
| Due | Jan 01, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 2.75% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | EMMET MI |
| Recording Date | Jul 02, 2021 |
| Property Address | 520 E LAKE ST, PETOSKEY, MI 49770-2521 |
| Document Number | 0001234/78 |
| Book / Page | 1234 / 78 |
| Instrument Date | Jun 18, 2021 |
| Instrument | 5187746 |
| Transaction Type | Transfer |
| Record Updated | Jun 09, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 520 E LAKE ST, PETOSKEY, MI 49770-2521 |
| Document Number | 0005187747 |
|---|---|
| Date | Jul 02, 2021 |
| Instrument | 5187747 |
| Name | MERCANTILE BANK OF MICHIGAN |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 354 Months |
| Due | Jan 01, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 2.75% |
Source: Emmet County records · Assessment roll updated July 21, 2026 · Last verified July 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Emmet County |
| Municipality | Petoskey City |
| Unified School District | Public Schools of Petoskey (KG - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $215,000 (-9.36%) Land $215,000 | $430,000 (-9.36%) Land $430,000 | |
| 2024 | $7,781.00 | ||
| 2023 | $237,200 Land $237,200 | $474,400 Land $474,400 |
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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