Emmet County property record for 5840 Howard Rd, Petoskey, MI 49770
| Property Type | Single Family Home |
|---|---|
| Details | 3 ba · 3,012 sqft |
| Lot Size | 3.63 acres (158,258 sqft) |
| Owner | Trust Name on File |
| Tax Bill | $14,517 (2024) |
| Deeds & Mortgages | Jan 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 01-19-31-400-014 |
| Primary APN | 01-19-31-400-014 |
|---|
| Full Baths | 3 Baths |
|---|---|
| Building Area | 3,012 sqft Living Area |
| 1st Floor Area | 3,012 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Lot Area | 158,258 sqft (3.63 acres) |
|---|---|
| Garage Area | 1,064 sqft |
| Heating System | Forced Air with A/C |
|---|
| Street Address | 5840 HOWARD RD |
|---|---|
| City | PETOSKEY |
| State | MI |
| Zip | 49770-8870 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | EC FF-1 |
| Legal Description | COM AT A STAKE ON E SEC LN 505.6 FT N OF SE COR OF SEC, TH N-1-26 -E ALG SEC LN 188.55 FT TO POB, TH N-85-26-W 659.45 FT TO SHR OF WALLOON LAKE TH ALG SHR N-3-10-E 184.8 FT, TH ALG SHR N-12-24-W 36.45 TH S-88-18-E 661.65 FT TO E SEC LN, TH S 253.1 FT |
| Legal Range | 05W |
| Legal Township | 34N |
| Legal Section | 31 |
| Legal Lot Number | 3 |
| Jurisdiction | EMMET MI |
| Township / Civil Division | BEAR CREEK |
| Census Block Group | 2 |
| Census Block | 2029 |
| Census Tract | 970600 |
5840 Howard Rd is held in a trust since July 1980.
Source: Emmet County records, as of October 20, 2026
| Owner of Record | Trust Name on File |
|---|---|
| Mailing Address | 22 SUNSET LN, GROSSE POINTE FARMS, MI 48236-3730 |
| Owner Type | Company |
| Vesting | Trust |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 1, 1980 |
| Deed Sale | Jul 1, 1980 |
| Prior Sale | Jun 1, 1980 · Amount on File |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | EMMET MI |
| Property Address | 5840 HOWARD RD, PETOSKEY, MI 49770-8870 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|---|
| Address | 5840 HOWARD RD, PETOSKEY, MI 49770-8870 |
| Document Number | 0000001218/0000000156 |
|---|---|
| Date | Jan 6, 2020 |
| Book Page | 0000001218/0000000156 |
| Instrument | 5171100 |
| Name | FIRST STATE BANK |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 108 Months |
| Due | Jan 1, 2029 |
Source: Emmet County assessment roll, as of July 21, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Emmet County |
| County Subdivision | Bear Creek Township |
| Unified School District | Public Schools of Petoskey (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $1,468,900 Land $1,468,900 | $2,937,800 Land $2,937,800 | |
| 2024 | $14,517.00 | ||
| 2023 | $819,500 Land $819,500 | $1,639,000 Land $1,639,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 5840 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 risk around 5840 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 95% of the US · lower than 89% of Michigan |
|---|---|
| Wildfire Likelihood | Under 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.
Source: FCC Broadband Data Collection, based on 21 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 |
| Starlink Satellite | 280 / 30 |
May also be available: T-Mobile.
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