565 E Lake St, Apt 9, Petoskey, MI 49770 Property Records

Emmet County property record for 565 E Lake St, Apt 9, Petoskey, MI 49770

Property Summary

Property Type	Condominium
Lot Size	0.022 acres (995 sqft)
Owner	2 Company Names on Record
Tax Bill	$2,645 (2024)
Deeds & Mortgages	Oct 2020 Sale Aug 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`52-19-05-103-109`

Property Details

APN / Parcel Number

Primary APN	`52-19-05-103-109`

Interior

Bedrooms	1 Bed
Full Baths	1 Bath
Units	5 Units
Building Area	641 sqft Living Area
1st Floor Area	641 sqft

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1940
Architectural Style	Condo/Apartment
Lot Area	995 sqft

Location & Zoning

Street Address	565 E LAKE ST, 9
City	PETOSKEY
State	MI
Zip	49770-2588
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	COP RM-2
Legal Description	LAKE TERRACE CONDOMINIUM PLAN 32, UNIT 9. SECTION 5, T34N, R5W
Legal Range	05W
Legal Township	34N
Legal Section	05
Legal Subdivision	LAKE TERRACE CONDOMINIUM
Jurisdiction	EMMET MI
Township / Civil Division	PETOSKEY
Census Block Group	1
Census Block	1076
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	2 Company Names on Record
Mailing Address	890 BREN DEL DR, PETOSKEY, MI 49770-9681
Owner Type	Company
Vesting	Life Estate

Deeds, Mortgages & Sale History

Date	Document
Oct 16, 2020	Warranty Deed, Transfer
Aug 13, 2019	Warranty Deed, Transfer · Stand-Alone First Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 16, 2020
Deed Sale	Oct 16, 2020
Prior Sale	Aug 13, 2019 · Amount on Record
Deed Document Number	20205179113
Deed Book / Page	1226 / 164
Prior Transfer Date	Oct 14, 2020
Prior Transfer Doc	001226/164
Record Updated	Oct 29, 2026

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EMMET MI
Recording Date	Oct 16, 2020
Property Address	565 E LAKE ST APT 9, 9, PETOSKEY, MI 49770-2588
Document Number	001226/164
Book / Page	1226 / 164
Instrument Date	Oct 14, 2020
Instrument	5179113
Transaction Type	Transfer
Record Updated	Nov 16, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	890 BREN DEL DR, PETOSKEY, MI 49770-9681

August 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EMMET MI
Recording Date	Aug 13, 2019
Property Address	565 E LAKE ST APT 9, 9, PETOSKEY, MI 49770-2588
Document Number	001214/194
Book / Page	1214 / 194
Instrument Date	Aug 9, 2019
Instrument	5167113
Transaction Type	Transfer
Record Updated	Aug 12, 2022
Title Company	TALON GROUP

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	890 BREN DEL DR, PETOSKEY, MI 49770-9681

Mortgage

Document Number	0005167114
Date	Aug 13, 2019
Instrument	5167114

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Mortgage

Document Number	001214/194
Date	Aug 13, 2019
Book Page	1214/194
Instrument	5167113

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	97 Months
Due	Sep 1, 2027

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		$67,400 (+3.69%) Land $67,400	$134,800 (+3.69%) Land $134,800
2025		$65,000 (+30.78%) Land $65,000	$130,000 (+30.78%) Land $130,000
2024	$2,645.00
2023		$49,700 Land $49,700	$99,400 Land $99,400

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 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	4 in force

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; 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 172 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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