5397 Howard Rd, Petoskey, MI 49770 Property Records

Emmet County property record for 5397 Howard Rd, Petoskey, MI 49770

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,680 sqft
Lot Size	2.27 acres (98,881 sqft)
Owner	Individual Name on Record
Last Sale	$200,000 (Nov 2019)
Tax Bill	$2,708 (2024)
Deeds & Mortgages	Nov 2019 Mortgage Nov 2019 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`01-19-31-200-010`

Property Details

APN / Parcel Number

Primary APN	`01-19-31-200-010`

Interior

Full Baths	1 Bath
Stories	5 Stories
Building Area	1,680 sqft Living Area
1st Floor Area	912 sqft
Basement Area	912 sqft
Unfinished Basement	912 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Architectural Style	Other
Lot Area	98,881 sqft (2.27 acres)
Garage Area	280 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	5397 HOWARD RD
City	PETOSKEY
State	MI
Zip	49770-8815
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	EC FF-1
Legal Description	THAT PT OF SE 1/4 OF NE 1/4 LYING E OF HOWARD RD, SUBJ TO EASEMENT. SECTION 31 T34N, R5W
Legal Range	05W
Legal Township	34N
Legal Section	31
Jurisdiction	EMMET MI
Township / Civil Division	BEAR CREEK
Census Block Group	1
Census Block	1052
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	5397 HOWARD RD, PETOSKEY, MI 49770-8815
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 22, 2019	Deed of Trust, Mortgage · Stand-Alone First Mortgage PNC BANK
Nov 22, 2019	Warranty Deed, Transfer · Stand-Alone First Mortgage PNC BANK
Nov 22, 2019	Warranty Deed, Transfer
Sep 19, 2017	Warranty Deed, Transfer CHEMICAL BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 22, 2019 · Amount on Record
Deed Sale	Nov 22, 2019 · Amount on Record
Prior Sale	Feb 26, 2004 · Amount on Record
Deed Document Number	20195170111
Deed Book / Page	1217 / 191
Record Updated	Oct 29, 2026

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EMMET MI
Property Address	5397 HOWARD RD, PETOSKEY, MI 49770-8815
Transaction Type	Mortgage
Record Updated	Aug 14, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000001217/0000000191
Date	Nov 22, 2019
Book Page	0000001217/0000000191
Instrument	5170111

Lender

Name	PNC BANK

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	350 Months
Due	Jan 1, 2049

November 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EMMET MI
Recording Date	Nov 22, 2019
Property Address	5397 HOWARD RD, PETOSKEY, MI 49770-8815
Document Number	1217/191
Book / Page	1217 / 191
Instrument Date	Nov 19, 2019
Instrument	5170111
Transaction Type	Transfer
Record Updated	Jul 12, 2022
Title Company	TALON GROUP

Transaction

Amount	Amount Recorded
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	1114 VALLEY VIEW AVE, PETOSKEY, MI 49770-3119

Mortgage

Document Number	5170112
Date	Nov 22, 2019
Instrument	5170112

Lender

Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Mortgage

Document Number	0005170112
Date	Nov 22, 2019
Instrument	5170112

Lender

Name	PNC BANK

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

November 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EMMET MI
Recording Date	Nov 22, 2019
Property Address	5397 HOWARD RD, PETOSKEY, MI 49770-8815
Document Number	1217/191
Book / Page	1217 / 191
Instrument Date	Nov 19, 2019
Instrument	5170111
Transaction Type	Transfer
Record Updated	Jun 22, 2021

Transaction

Amount	Amount Recorded
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	1114 VALLEY VIEW AVE, PETOSKEY, MI 49770-3119

September 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EMMET MI
Recording Date	Sep 19, 2017
Property Address	5397 HOWARD RD, PETOSKEY, MI 49770-8815
Document Number	1197/0833
Book / Page	1197 / 0833
Instrument Date	Sep 11, 2017
Instrument	5150708
Transaction Type	Transfer
Record Updated	Jun 6, 2023
Title Company	CROSSROADS TITLE

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5397 HOWARD RD, 5397, PETOSKEY, MI 49770-8815

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4530 BARBER RD, BOYNE CITY, MI 49712-9723

Mortgage

Document Number	1197/0835
Date	Sep 19, 2017
Book Page	1197/0835
Instrument	5150710

Lender

Name	CHEMICAL BANK
Type	Bank
Address	WYOMING, MI 49519

Agreement

Amount	Amount Recorded
Term	181 Months
Due	Oct 1, 2032

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		$175,600 (+47.94%) Land $15,400 Building $160,200	$351,200 (+47.94%) Land $30,800 Building $320,400
2024	$2,708.00
2023		$118,700 Land $10,800 Building $107,900	$237,400 Land $21,600 Building $215,800

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	Indirect within ember reach
Adjoins Burnable Land	Yes

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 29 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: Truestream.

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