Emmet County property record for 520 Lawrence St, Petoskey, MI 49770
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,212 sqft |
| Lot Size | 0.424 acres (18,509 sqft) |
| Owner | Individual Name on File |
| Last Sale | $155,000 (Feb 2012) |
| Tax Bill | $2,878 (2024) |
| Deeds & Mortgages | Jul 2026 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 52-19-06-376-005 |
| Primary APN | 52-19-06-376-005 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Building Area | 1,212 sqft Living Area |
| 1st Floor Area | 1,212 sqft |
| Basement Area | 1,212 sqft |
| Unfinished Basement | 1,212 sqft |
| Lot Area | 18,509 sqft (0.424 acres) |
|---|---|
| Garage Area | 616 sqft |
| Heating System | Forced Air with A/C |
|---|
| Street Address | 520 LAWRENCE ST |
|---|---|
| City | PETOSKEY |
| State | MI |
| Zip | 49770-2805 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | COP R-1 |
| Legal Description | NATHAN JARMAN 2ND ADD. LOT 13 & 14 ALSO 12.4' OF VAC ALLEY BETWEEN LOTS 12 & 13. SECTION 6, T34N, R5W |
| Legal Range | 05W |
| Legal Township | 34N |
| Legal Section | 06 |
| Legal Subdivision | NATHAN JARMANS SECOND ADDITION |
| Legal Lot Number | 12-14 |
| Jurisdiction | EMMET MI |
| Township / Civil Division | PETOSKEY |
| Census Block Group | 3 |
| Census Block | 3026 |
| Census Tract | 970800 |
520 Lawrence St is owned and occupied by an individual who bought it in February 2012.
Source: Emmet County records, as of October 20, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 520 LAWRENCE ST, PETOSKEY, MI 49770-2805 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Feb 16, 2012 · Amount on File |
| Deed Sale | Feb 16, 2012 · Amount on File |
| Prior Sale | Nov 14, 2007 · Amount on File |
| Deed Book / Page | 1142 / 177 |
| Prior Transfer Date | May 31, 2001 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | EMMET MI |
| Recording Date | Jul 14, 2026 |
| Property Address | 520 LAWRENCE ST, PETOSKEY, MI 49770-2805 |
| Document Number | 0005229413 |
| Book / Page | 1276 / 365 |
| Instrument Date | Jul 8, 2026 |
| Instrument | 20265229413 |
| Transaction Type | Mortgage |
| Record Updated | Aug 5, 2026 |
| Name | Verified Name |
|---|---|
| Address | 520 LAWRENCE ST, PETOSKEY, MI 49770-2805 |
| Document Number | 0005229413, |
|---|---|
| Date | Jul 14, 2026 |
| Book Page | 1276/365 |
| Instrument | 20265229413 |
| Name | LOANDEPOT.COM LLC |
|---|
| Type | Line of Credit |
|---|---|
| Term | 360 Months |
| Due | Aug 3, 2056 |
| Rate | 6.52% |
|---|---|
| Max Rate | -1% |
Source: Emmet County assessment roll, as of July 21, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Emmet County |
| Municipality | Petoskey City |
| Unified School District | Public Schools of Petoskey (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $222,300 Land $222,300 | $444,600 Land $444,600 | |
| 2024 | $2,878.00 | ||
| 2023 | $121,900 Land $121,900 | $243,800 Land $243,800 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 520 Lawrence St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2012.
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 Claims | 1 (2012) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Jun 2012 · rainfall accumulation |
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 risk around 520 Lawrence 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 226 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 |
| Starlink Satellite | 280 / 30 |
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