5576 Howard Rd, Petoskey, MI 49770 Property Records

Emmet County property record for 5576 Howard Rd, Petoskey, MI 49770

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,336 sqft
Lot Size	0.7 acres (30,492 sqft)
Owner	Individual Name on Record
Last Sale	$174,900 (Mar 2018)
Deeds & Mortgages	Mar 2026 Mortgage Mar 2018 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`01-19-31-400-032`

Property Details

APN / Parcel Number

Primary APN	`01-19-31-400-032`

Interior

Full Baths	1 Bath
Building Area	1,336 sqft Living Area
1st Floor Area	1,336 sqft
Basement Area	1,240 sqft
Unfinished Basement	1,240 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Architectural Style	Ranch
Lot Area	30,492 sqft (0.7 acres)
Garage Area	480 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	5576 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	PT OF GOV?T LOT 3, SECTION 31, COM AT E ? COR OF SD SEC, TH ALG E LN OF SEC S00?59?26?W 176.57 FT TO POB, TH CONT ALG SD SEC LN, S00?59?26?W 220.13 FT, TH S89?11?54?W 19.74 FT TO W LN OF HOWARD RD, TH CONT S89?11?54?W 245.08 FT, TH N00?19?10?W 79.70
Legal Subdivision	S31 T34N R5W
Legal Lot Number	3
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	Individual Name on Record
Mailing Address	5576 HOWARD RD, PETOSKEY, MI 49770-8816
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 2, 2026	Deed of Trust, Mortgage · Conventional Mortgage AWAKON FEDERAL CREDIT UNION
Mar 2, 2018	Deed of Trust, Mortgage · VA Mortgage USAA FEDERAL SAVINGS BANK
Mar 2, 2018	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 2, 2018 · Amount on Record
Deed Sale	Mar 2, 2018 · Amount on Record
Prior Sale	Sep 7, 2011 · Amount on Record
Deed Document Number	20185154549
Deed Book / Page	1201 / 651
Prior Transfer Date	Nov 18, 2010
Prior Transfer Doc	001129/540
Record Updated	Oct 29, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EMMET MI
Property Address	5576 HOWARD RD, PETOSKEY, MI 49770-8816
Transaction Type	Mortgage
Record Updated	Mar 16, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5576 HOWARD RD, PETOSKEY, MI 49770-8816
Investor	Possibly a Property Investor

Mortgage

Document Number	0000001273/0000000434
Date	Mar 2, 2026
Book Page	0000001273/0000000434
Instrument	5226484

Lender

Name	AWAKON FEDERAL CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Jan 1, 2046

March 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EMMET MI
Property Address	5576 HOWARD RD, PETOSKEY, MI 49770-8816
Transaction Type	Mortgage
Record Updated	Aug 12, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000001201/0000000652
Date	Mar 2, 2018
Book Page	0000001201/0000000652
Instrument	000005154550

Lender

Name	USAA FEDERAL SAVINGS BANK
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	358 Months
Due	Jan 1, 2048

March 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EMMET MI
Recording Date	Mar 2, 2018
Property Address	5576 HOWARD RD, PETOSKEY, MI 49770-8816
Document Number	001201/651
Book / Page	1201 / 651
Instrument Date	Feb 26, 2018
Instrument	000005154549
Transaction Type	Transfer
Record Updated	Aug 12, 2022

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	2523 HOWARD RD, PETOSKEY, MI 49770-8812

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	Assessed Value	Assessed Market Value
2026	$141,400 (+8.1%) Land $4,800 Building $136,600	$282,800 (+8.1%) Land $9,600 Building $273,200
2025	$130,800 Land $3,900 Building $126,900	$261,600 Land $7,800 Building $253,800

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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