520 Franklin Ests, Petoskey, MI 49770 Property Records

Emmet County property record for 520 Franklin Ests, Petoskey, MI 49770

Property Summary

Property Type	Condominium
Details	2 ba · 960 sqft · built 2023
Lot Size	2.36 acres (103,001 sqft)
Owner	Individual Name on File
Last Sale	$289,000 (Dec 2025)
Tax Bill	$1,221 (2024)
Deeds & Mortgages	Dec 2025 Mortgage Dec 2025 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`14-17-33-451-130`

Property Details

APN / Parcel Number

Primary APN	`14-17-33-451-130`

Interior

Full Baths	2 Baths
Building Area	960 sqft Living Area
1st Floor Area	960 sqft

Exterior

Year Built	Built 2023
Effective Year Built	Effective 2023
Architectural Style	Ranch
Lot Area	103,001 sqft (2.36 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	520 FRANKLIN ESTS
City	PETOSKEY
State	MI
Zip	49770-7615
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	EC FF-2
Legal Description	FRANKLIN ESTATES CONDO, PLAN #335, UNIT 30. SECTION 33, T35N, R4W
Legal Range	04W
Legal Township	35N
Legal Section	33
Legal Subdivision	FRANKLIN ESTATES
Legal Unit	30
Jurisdiction	EMMET MI
Township / Civil Division	SPRINGVALE
Census Block Group	3
Census Block	3027
Census Tract	970500

Owner

520 Franklin Ests, a condominium, is owned and occupied by an individual who bought it in December 2025.

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

Owner of Record	Individual Name on File
Mailing Address	4381 S COUNTY LINE RD, ONAWAY, MI 49765-7503
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Individual(s)

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
Dec 11, 2025	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE
Dec 11, 2025	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE
Aug 1, 2023	Warranty Deed, Transfer TITLE RESOURCE AGENCY
Mar 14, 2023	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 11, 2025 · Amount on File
Deed Sale	Dec 11, 2025 · Amount on File
Prior Sale	Sep 12, 2024 · Amount on File
Deed Document Number	20255224877
Deed Book / Page	1271 / 841
Record Updated	Oct 29, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EMMET MI
Property Address	520 FRANKLIN ESTS, PETOSKEY, MI 49770-7615
Transaction Type	Mortgage
Record Updated	Dec 29, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4381 S COUNTY LINE RD, ONAWAY, MI 49765-7503

Mortgage

Document Number	0005224878
Date	Dec 11, 2025
Instrument	5224878

Lender

Name	UNITED WHOLESALE

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	241 Months
Due	Jan 1, 2046

December 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EMMET MI
Recording Date	Dec 11, 2025
Property Address	520 FRANKLIN ESTS, PETOSKEY, MI 49770-7615
Document Number	001271/841
Book / Page	1271 / 841
Instrument Date	Dec 8, 2025
Instrument	5224877
Transaction Type	Transfer
Record Updated	Dec 22, 2025

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$24.86
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4381 S COUNTY LINE RD, ONAWAY, MI 49765-7503

Mortgage

Document Number	0005224878
Date	Dec 11, 2025
Instrument	5224878

Lender

Name	UNITED WHOLESALE

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	241 Months
Due	Jan 1, 2046

August 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EMMET MI
Recording Date	Aug 1, 2023
Property Address	PETOSKEY, MI 49770
Document Number	001253/764
Book / Page	1253 / 764
Instrument Date	Jul 27, 2023
Instrument	5206756
Transaction Type	Transfer
Record Updated	Aug 14, 2023
Title Company	TITLE RESOURCE AGENCY

Transaction

Amount	Amount on Record
Tax	$1.59
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	481 E CROZIER RD, BOYNE CITY, MI 49712-9730

March 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EMMET MI
Recording Date	Mar 14, 2023
Property Address	PETOSKEY, MI 49770
Document Number	001250/884
Book / Page	1250 / 884
Instrument Date	Mar 13, 2023
Instrument	5203871
Transaction Type	Transfer
Record Updated	Mar 31, 2023

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	PO BOX 667, INDIAN RIVER, MI 49749-0667

Tax Assessment & Valuation

Source: Emmet County assessment roll, as of July 21, 2026

Property Jurisdictions

Type	Name
State	Michigan
County	Emmet County
County Subdivision	Springvale Township
Unified School District	Public Schools of Petoskey (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$127,400 (+5.73%) Land $127,400	$254,800 (+5.73%) Land $254,800
2025		$120,500 Land $120,500	$241,000 Land $241,000
2024	$1,221.00
2023		$4,500 Land $4,500	$9,000 Land $9,000

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 520 Franklin Ests 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	1 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 520 Franklin Ests 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	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 71 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Truestream Fiber	1,000 / 1,000
Spectrum Cable	1,000 / 50

Cell Coverage

5G (outdoors only) and 4G LTE

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