5238 River Rd, Petoskey, MI 49770 Property Records

Emmet County property record for 5238 River Rd, Petoskey, MI 49770

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,326 sqft
Lot Size	15.3 acres (667,339 sqft)
Owner	Individual Name on Record
Last Sale	$160,000 (Jul 2004)
Tax Bill	$2,166 (2024)
Deeds & Mortgages	Oct 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`01-19-33-200-012`

Property Details

APN / Parcel Number

Primary APN	`01-19-33-200-012`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,326 sqft Living Area
1st Floor Area	1,326 sqft

Exterior

Year Built	Built 2009
Effective Year Built	Effective 2009
Architectural Style	Other
Lot Area	667,339 sqft (15.3 acres)
Garage Area	744 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	5238 RIVER RD
City	PETOSKEY
State	MI
Zip	49770-9515
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	EC FF-1
Legal Description	COM S-88-48-38-E 1321.03 FT FROM N 1/4 COR, TH S 633.45 FT ALG E 1/8 LN TO POB, CONT S 642.03 FT, TH E 210.63 FT ALG N 1/8 LN, TH N 190.02 FT, E 507.51 FT TO W LN OF RR (E LN OF RIVER RD), TH N-17-53-8-W 289.75 FT ALG SD RR, TH ALG ARC OF CURVE 183.3
Legal Range	05W
Legal Township	34N
Legal Section	33
Jurisdiction	EMMET MI
Township / Civil Division	BEAR CREEK
Census Block Group	1
Census Block	1049
Census Tract	970600

Owner

Source: Emmet County records, as of October 20, 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 Record
Mailing Address	5238 RIVER RD, PETOSKEY, MI 49770-9515
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 12, 2004 · Amount on Record
Deed Sale	Jul 12, 2004 · Amount on Record
Deed Book / Page	1054 / 612
Record Updated	Oct 29, 2026

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EMMET MI
Property Address	5238 RIVER RD, PETOSKEY, MI 49770-9515
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5238 RIVER RD, PETOSKEY, MI 49770-9515

Mortgage

Document Number	0000001225/0000000777
Date	Oct 6, 2020
Book Page	0000001225/0000000777
Instrument	5178727

Lender

Name	AMERIFIRST FINANCIAL

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
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
County Subdivision	Bear Creek Township
Unified School District	Public Schools of Petoskey (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$179,000 (+45.77%) Land $36,400 Building $142,600	$358,000 (+45.77%) Land $72,800 Building $285,200
2024	$2,166.00
2023		$122,800 Land $26,800 Building $96,000	$245,600 Land $53,600 Building $192,000

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

Flood

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

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 4 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 / 35
Verizon Fixed Wireless	300 / 20