524 State St, Petoskey, MI 49770 Property Records

Emmet County property record for 524 State St, Petoskey, MI 49770

Property Summary

Property Type	Commercial
Lot Size	0.163 acres (7,120 sqft)
Owner	Company Name on Record
Tax Bill	$7,411 (2024)
Deeds & Mortgages	Apr 2024 Mortgage Jan 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`52-19-05-100-090`

Property Details

APN / Parcel Number

Primary APN	`52-19-05-100-090`

Interior

Bedrooms	6 Beds
Full Baths	6 Baths
Units	6 Units
Building Area	2,553 sqft Building Perimeter
1st Floor Area	1,387 sqft
Basement Area	1,283 sqft
Unfinished Basement	1,283 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Fire Resistance	Fireproof Steel Frame
Lot Area	7,120 sqft (0.163 acres)

Location & Zoning

Street Address	524 STATE ST
City	PETOSKEY
State	MI
Zip	49770-2769
Property Category	Commercial
Property Type	Commercial > Retail
Local Zoning Code	COP R-2
Legal Description	VILLAGE OF PETOSKEY CITY LOT 6 BLK 6. SECTION 5, T34N, R5W
Legal Range	05W
Legal Township	34N
Legal Section	05
Legal Subdivision	VILLAGE OF PETOSKEY CITY
Legal Block	6
Legal Lot Number	6
Jurisdiction	EMMET MI
Township / Civil Division	PETOSKEY
Census Block Group	2
Census Block	2017
Census Tract	970700

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 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.

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	Company Name on Record
Mailing Address	2225 SENTINEL CIR, GERING, NE 69341-1585
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Apr 23, 2024	Warranty Deed, Transfer · Conventional Mortgage CITIZENS NATIONAL BANK OF CHEBOYGAN
Jan 4, 2022	Warranty Deed, Transfer · Conventional Mortgage MERCANTILE BANK OF MICHIGAN

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 23, 2024
Deed Sale	Apr 23, 2024
Prior Sale	Jan 4, 2022 · Amount on Record
Deed Document Number	20245212204
Deed Book / Page	1259 / 195
Record Updated	Oct 29, 2026

April 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EMMET MI
Recording Date	Apr 23, 2024
Property Address	524 STATE ST, PETOSKEY, MI 49770-2769
Document Number	001259/195
Book / Page	1259 / 195
Instrument Date	Apr 19, 2024
Instrument	5212204
Transaction Type	Transfer
Record Updated	May 3, 2024

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2225 SENTINEL CIR, GERING, NE 69341-1585

Mortgage

Document Number	0005212205
Date	Apr 23, 2024
Instrument	5212205

Lender

Name	CITIZENS NATIONAL BANK OF CHEBOYGAN

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

January 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EMMET MI
Recording Date	Jan 4, 2022
Property Address	524 STATE ST, PETOSKEY, MI 49770-2769
Document Number	001240/499
Book / Page	1240 / 499
Instrument Date	Dec 31, 2021
Instrument	5193474
Transaction Type	Transfer
Record Updated	Aug 12, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1003 LOCKWOOD AVE, PETOSKEY, MI 49770-3155

Mortgage

Document Number	0000001240/0000000501
Date	Jan 4, 2022
Book Page	0000001240/0000000501
Instrument	5193476

Lender

Name	MERCANTILE BANK OF MICHIGAN

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$143,800 (-13.94%) Land $143,800	$287,600 (-13.94%) Land $287,600
2025		$167,100 (+24.7%) Land $167,100	$334,200 (+24.7%) Land $334,200
2024	$7,411.00
2023		$134,000 Land $134,000	$268,000 Land $268,000

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	None beyond ember reach

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

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 508 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

May also be available: AT&T.

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