5554 Howard Rd, Petoskey, MI 49770 Property Records

Emmet County property record for 5554 Howard Rd, Petoskey, MI 49770

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,540 sqft
Lot Size	1.19 acres (51,836 sqft)
Owner	Company Name on Record
Last Sale	$350,000 (Oct 2020)
Tax Bill	$4,729 (2024)
Deeds & Mortgages	Nov 2018 Mortgage Nov 2021 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`01-19-31-400-027`

Property Details

APN / Parcel Number

Primary APN	`01-19-31-400-027`

Interior

Full Baths	2 Baths
Stories	2 Stories
Building Area	1,540 sqft Living Area
1st Floor Area	1,232 sqft
Basement Area	1,232 sqft
Unfinished Basement	1,204 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Architectural Style	Other
Lot Area	51,836 sqft (1.19 acres)
Garage Area	9,360 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	5554 HOWARD RD
City	PETOSKEY
State	MI
Zip	49770-8816
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	EC FF-1
Legal Description	COM 80 FT S OF E 1/4 POST OF SEC FOR POB, TH W 376.77 FT, S 158.44 FT, TH E 376.76 FT, TH N 157.85 FT TO POB, SECTION 31, T34N, R5W. 1.37 AC M/L.
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

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

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

Owner of Record	Company Name on Record
Mailing Address	5554 HOWARD RD, PETOSKEY, MI 49770-8816
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Family Trust

Deeds, Mortgages & Sale History

Date	Document
Nov 1, 2018	Deed of Trust, Mortgage ST FRANCIS X FEDERAL CREDIT UNION
Nov 29, 2021	Quit Claim Deed, Transfer Quitclaim
Jan 29, 2021	Quit Claim Deed, Transfer Quitclaim
Oct 21, 2020	Warranty Deed, Transfer · VA Mortgage LAKE MICHIGAN CREDIT UNION

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 21, 2020 · Amount on Record
Deed Sale	Oct 21, 2020 · Amount on Record
Deed Document Number	20205179277
Deed Book / Page	1226 / 328
Last Transfer Date	Jan 25, 2021
Transfer Doc	001229/555
Record Updated	Oct 29, 2026

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EMMET MI
Property Address	5554 HOWARD RD, PETOSKEY, MI 49770-8816
Transaction Type	Mortgage
Record Updated	Mar 9, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000001207/0000000751
Date	Nov 1, 2018
Book Page	0000001207/0000000751
Instrument	000005160645

Lender

Name	ST FRANCIS X FEDERAL CREDIT UNION
Type	Credit Union

Agreement

Amount	Amount Recorded
Term	170 Months
Due	Jan 1, 2033

November 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	EMMET MI
Recording Date	Nov 29, 2021
Property Address	5554 HOWARD RD, PETOSKEY, MI 49770-8816
Document Number	001239/406
Book / Page	1239 / 406
Instrument Date	Nov 23, 2021
Instrument	5192367
Transaction Type	Transfer
Record Updated	Mar 9, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5554 HOWARD RD, PETOSKEY, MI 49770-8816

January 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	EMMET MI
Recording Date	Jan 29, 2021
Property Address	5554 HOWARD RD, PETOSKEY, MI 49770-8816
Document Number	001229/555
Book / Page	1229 / 555
Instrument Date	Jan 25, 2021
Instrument	5182523
Transaction Type	Transfer
Record Updated	Mar 9, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5554 HOWARD RD, PETOSKEY, MI 49770-8816

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EMMET MI
Recording Date	Oct 21, 2020
Property Address	5554 HOWARD RD, PETOSKEY, MI 49770-8816
Document Number	001226/328
Book / Page	1226 / 328
Instrument Date	Oct 16, 2020
Instrument	5179277
Transaction Type	Transfer
Record Updated	Mar 9, 2023

Transaction

Amount	Amount Recorded
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	5554 HOWARD RD, PETOSKEY, MI 49770-8816

Mortgage

Document Number	0005179278
Date	Oct 21, 2020
Instrument	5179278

Lender

Name	LAKE MICHIGAN CREDIT UNION

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	351 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		$262,800 (+8.6%) Land $8,100 Building $254,700	$525,600 (+8.6%) Land $16,200 Building $509,400
2025		$242,000 (+26.77%) Land $6,500 Building $235,500	$484,000 (+26.77%) Land $13,000 Building $471,000
2024	$4,729.00
2023		$190,900 Land $5,600 Building $185,300	$381,800 Land $11,200 Building $370,600

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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