5426 Howard Rd, Petoskey, MI 49770 Property Records

Emmet County property record for 5426 Howard Rd, Petoskey, MI 49770

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,314 sqft · built 1980
Lot Size	12.6 acres (552,776 sqft)
Owner	Individual Name on File
Last Sale	$18,500 (Nov 2011)
Tax Bill	$5,588 (2024)
Deeds & Mortgages	Jun 2026 Mortgage Jun 2026 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`01-19-31-200-013`

Property Details

APN / Parcel Number

Primary APN	`01-19-31-200-013`

Interior

Full Baths	2 Baths
Building Area	1,314 sqft Living Area
1st Floor Area	876 sqft

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1980
Lot Area	552,776 sqft (12.6 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	5426 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	S 1/2 OF SE 1/4 OF NE 1/4 EXC THAT PT LYING E OF HOWARD RD. 12.69 AC M/L. SECTION 31, T34N, R5W
Legal Range	05W
Legal Township	34N
Legal Section	31
Jurisdiction	EMMET MI
Township / Civil Division	BEAR CREEK
Census Block Group	2
Census Block	2020
Census Tract	970600

Owner

5426 Howard Rd is owned by an individual who bought it in November 2011.

Source: Emmet County records, as of October 20, 2026

Owner of Record	Individual Name on File
Mailing Address	PO BOX 10131, TALLAHASSEE, FL 32302-2131
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jun 25, 2026	Deed of Trust, Mortgage · Conventional Mortgage HUNTINGTON NATIONAL BANK
Jun 25, 2026	Deed of Trust · Line of Credit HUNTINGTON NATIONAL BANK
Aug 5, 2022	Deed of Trust, Mortgage · Conventional Mortgage HUNTINGTON NATIONAL BANK
Aug 3, 2021	Deed of Trust, Mortgage · Conventional Mortgage HUNTINGTON NATIONAL BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 3, 2011 · Amount on File
Deed Sale	Nov 3, 2011 · Amount on File
Prior Sale	Oct 11, 2007 · Amount on File
Deed Book / Page	1139 / 258
Prior Transfer Date	Oct 26, 2011
Prior Transfer Doc	1139/259
Record Updated	Oct 29, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EMMET MI
Recording Date	Jun 25, 2026
Property Address	5426 HOWARD RD, PETOSKEY, MI 49770-8815
Document Number	0005229051
Book / Page	1276 / 3
Instrument Date	Jun 15, 2026
Instrument	20265229051
Transaction Type	Mortgage
Record Updated	Jul 13, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5426 HOWARD RD, PETOSKEY, MI 49770-8815

Mortgage

Document Number	0005229051,
Date	Jun 25, 2026
Book Page	1276/3
Instrument	20265229051

Lender

Name	HUNTINGTON NATIONAL BANK

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2056

Interest

Rate	6.36%
Max Rate	-1%

June 2026: Deed of Trust

Document Type	Deed of Trust
Jurisdiction	EMMET MI
Recording Date	Jun 25, 2026
Property Address	5426 HOWARD RD, PETOSKEY, MI 49770-8815
Document Number	0005229051
Book / Page	1276 / 3
Instrument Date	Jun 15, 2026
Instrument	20265229051
Record Updated	Oct 7, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5426 HOWARD RD, PETOSKEY, MI 49770-8815

Mortgage

Document Number	0005229051,
Date	Jun 25, 2026
Book Page	1276/3
Instrument	20265229051

Lender

Name	HUNTINGTON NATIONAL BANK

Agreement

Type	Line of Credit
Term	360 Months
Due	Jun 15, 2056

Interest

Max Rate	-1%

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EMMET MI
Property Address	5426 HOWARD RD, PETOSKEY, MI 49770-8815
Transaction Type	Mortgage
Record Updated	Aug 19, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5426 HOWARD RD, PETOSKEY, MI 49770-8815

Mortgage

Document Number	0000001246/0000000189
Date	Aug 5, 2022
Book Page	0000001246/0000000189
Instrument	5199158

Lender

Name	HUNTINGTON NATIONAL BANK

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2052

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EMMET MI
Property Address	5426 HOWARD RD, PETOSKEY, MI 49770-8815
Transaction Type	Mortgage
Record Updated	Aug 30, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5426 HOWARD RD, PETOSKEY, MI 49770-8815

Mortgage

Document Number	0000001235/0000000743
Date	Aug 3, 2021
Book Page	0000001235/0000000743
Instrument	5188706

Lender

Name	HUNTINGTON NATIONAL BANK

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Jan 1, 2036

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		$368,100 Land $368,100	$736,200 Land $736,200
2024	$5,588.00
2023		$265,200 Land $265,200	$530,400 Land $530,400

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

Flood

FEMA maps place 5426 Howard Rd in Zone X, an area of minimal flood risk.

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

Wildfire risk around 5426 Howard Rd is low, with less than 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 93% of the US · lower than 83% of Michigan
Wildfire Likelihood	Under 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 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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