523 State St, Petoskey, MI 49770 Property Records

Emmet County property record for 523 State St, Petoskey, MI 49770 · Last verified July 2026

Property Summary

Property Type	Single Family Home
Lot Size	0.163 acres (7,103 sqft)
Owner	2 Individual Names on File
Tax Bill	$10,425 (2024)
Deeds & Mortgages	Oct 2025 Sale Sep 2022 Sale + 3 more
Flood Zone	Zone X (minimal risk)
APN	`52-19-05-100-067`

Property Details

APN / Parcel Number

Primary APN	`52-19-05-100-067`

Exterior

Lot Area	7,103 sqft (0.163 acres)

Location & Zoning

Street Address	523 STATE ST
City	PETOSKEY
State	MI
Zip	49770-2750
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	VILLAGE OF PETOSKEY CITY LOT 7 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	7
Jurisdiction	EMMET MI
Township / Civil Division	PETOSKEY
Census Block Group	2
Census Block	2013
Census Tract	970700

Owner

Source: Emmet County records · APN 52-19-05-100-067

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	2 Individual Names on File
Mailing Address	49707 COOKE AVE, PLYMOUTH, MI 48170-2888
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Oct 20, 2025	Warranty Deed, Transfer
Sep 13, 2022	Warranty Deed, Transfer
Sep 15, 2021	Deed of Trust, Mortgage · Conventional Mortgage HUNTINGTON NATIONAL BANK
Apr 29, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance CHEMICAL BANK
Mar 11, 2019	Warranty Deed, Transfer · ARM CHEMICAL BANK

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Sep 13, 2022
Deed Sale	Sep 13, 2022
Prior Sale	Mar 11, 2019 · Amount on Record
Deed Document Number	20225200018
Deed Book / Page	1247 / 49
Last Transfer Date	Aug 05, 2025
Transfer Doc	001270/709
Record Updated	Sep 20, 2026

October 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EMMET MI
Recording Date	Oct 20, 2025
Property Address	523 STATE ST, PETOSKEY, MI 49770-2750
Document Number	001270/709
Book / Page	1270 / 709
Instrument Date	Aug 05, 2025
Instrument	5223741
Transaction Type	Transfer
Record Updated	Nov 03, 2025

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	49707 COOKE AVE, PLYMOUTH, MI 48170-2888

September 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EMMET MI
Recording Date	Sep 13, 2022
Property Address	523 STATE ST, PETOSKEY, MI 49770-2750
Document Number	0001247/49
Book / Page	1247 / 49
Instrument Date	Sep 08, 2022
Instrument	5200018
Transaction Type	Transfer
Record Updated	Sep 23, 2022

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	49707 COOKE AVE, PLYMOUTH, MI 48170-2888

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EMMET MI
Property Address	523 STATE ST, PETOSKEY, MI 49770-2750
Transaction Type	Mortgage
Record Updated	Oct 04, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	523 STATE ST, PETOSKEY, MI 49770-2750

Mortgage

Document Number	0000001237/0000000106
Date	Sep 15, 2021
Book Page	0000001237/0000000106
Instrument	5190067

Lender

Name	HUNTINGTON NATIONAL BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 01, 2051

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EMMET MI
Property Address	523 STATE ST, PETOSKEY, MI 49770-2750
Transaction Type	Mortgage
Record Updated	Feb 05, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1211/816
Date	Apr 29, 2019
Book Page	1211/816
Instrument	5164737

Lender

Name	CHEMICAL BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded

March 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EMMET MI
Recording Date	Mar 11, 2019
Property Address	523 STATE ST, PETOSKEY, MI 49770-2750
Document Number	1210/431
Book / Page	1210 / 431
Instrument Date	Feb 22, 2019
Instrument	5163348
Transaction Type	Transfer
Record Updated	Jun 22, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV 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	820E E MITCHELL ST, PETOSKEY, MI 49770-2632

Mortgage

Document Number	001210/432
Date	Mar 11, 2019
Book Page	1210/432
Instrument	5163349

Lender

Name	CHEMICAL BANK
Type	Bank

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Apr 01, 2049

Interest

Rate Type	Adjustable Rate
Rate	4.25%
Type Change Date	Mar 01, 2026
Index	1-Year LIBOR

Tax Assessment & Valuation

Source: Emmet County records · Assessment roll updated July 21, 2026 · Last verified July 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

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		$301,700 (+15.24%) Land $301,700	$603,400 (+15.24%) Land $603,400
2025		$261,800 (+38.89%) Land $261,800	$523,600 (+38.89%) Land $523,600
2024	$10,425.00
2023		$188,500 Land $188,500	$377,000 Land $377,000

Flood & Wildfire

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

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No

Wildfire

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.

Historic Designation

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 508 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Spectrum	Cable	1,000 / 1,000
Verizon	Fixed Wireless	300 / 20
Starlink	Satellite (low-earth orbit)	280 / 30

May also be available at this address: AT&T, Spectrum. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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