603 Bay St, Petoskey, MI 49770 Property Records

Emmet County property record for 603 Bay St, Petoskey, MI 49770

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,248 sqft
Lot Size	0.13 acres (5,684 sqft)
Owner	Individual Name on File
Last Sale	$302 (Jul 2024)
Tax Bill	$5,455 (2024)
Deeds & Mortgages	Mar 2024 Foreclosure Oct 2022 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`52-19-05-102-013`

Property Details

APN / Parcel Number

Primary APN	`52-19-05-102-013`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Building Area	1,248 sqft Living Area
1st Floor Area	1,248 sqft
Basement Area	1,248 sqft
Unfinished Basement	1,248 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Lot Area	5,684 sqft (0.13 acres)
Garage Area	480 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	603 BAY ST
City	PETOSKEY
State	MI
Zip	49770-2504
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	COP R-1
Legal Description	FRANCIS PETOSKEY'S ADDITION W 1/2 OF LOTS 1 & 2 BLK 4 SECTION 5, T34N, R5W
Legal Range	05W
Legal Township	34N
Legal Section	05
Legal Subdivision	FRANCIS PETOSKEYS ADDITION
Legal Block	4
Legal Lot Number	1-2
Jurisdiction	EMMET MI
Township / Civil Division	PETOSKEY
Census Block Group	1
Census Block	1074
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

603 Bay St is owned and occupied by an individual who bought it in July 2024.

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

Owner of Record	Individual Name on File
Mailing Address	603 BAY ST, PETOSKEY, MI 49770-2504
Occupancy	Owner Occupied
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
Mar 1, 2024	Foreclosure
Oct 7, 2022	Deed of Trust, Mortgage · Conventional Mortgage BIRKMEIER AVIS C
Aug 5, 2022	Warranty Deed, Transfer
Nov 8, 2019	Deed of Trust, Mortgage CHEMICAL BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 8, 2024 · Amount on File
Deed Sale	Jul 8, 2024 · Amount on File
Prior Sale	Mar 1, 2024 · Amount on File
Deed Document Number	20245213798
Deed Book / Page	1260 / 784
Record Updated	Oct 29, 2026

March 2024: Foreclosure

Document Type	Foreclosure
Jurisdiction	EMMET MI
Recording Date	Mar 1, 2024
Property Address	603 BAY ST, PETOSKEY, MI 49770-2504
Document Number	001258/124
Book / Page	1258 / 124
Instrument Date	Mar 1, 2024
Instrument	5211131
Transaction Type	Foreclosure
Record Updated	Mar 8, 2024

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Tax Sale

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	200 DIVISION ST, PETOSKEY, MI 49770-2486

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EMMET MI
Property Address	603 BAY ST, PETOSKEY, MI 49770-2504
Transaction Type	Mortgage
Record Updated	Oct 14, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	603 BAY ST, PETOSKEY, MI 49770-2504

Mortgage

Document Number	0000001247/0000000689
Date	Oct 7, 2022
Book Page	0000001247/0000000689
Instrument	5200658

Lender

Name	BIRKMEIER AVIS C

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

August 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EMMET MI
Recording Date	Aug 5, 2022
Property Address	603 BAY ST, PETOSKEY, MI 49770-2504
Document Number	001246/182
Book / Page	1246 / 182
Instrument Date	Jul 28, 2022
Instrument	5199151
Transaction Type	Transfer
Record Updated	Aug 19, 2022

Transaction

Amount	Amount 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	603 BAY ST, PETOSKEY, MI 49770-2504

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EMMET MI
Property Address	603 BAY ST, PETOSKEY, MI 49770-2504
Transaction Type	Mortgage
Record Updated	May 26, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000001216/0000000762
Date	Nov 8, 2019
Book Page	0000001216/0000000762
Instrument	5169683

Lender

Name	CHEMICAL BANK

Agreement

Amount	Amount on Record

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		$240,600 (+28.87%) Land $240,600	$481,200 (+28.87%) Land $481,200
2025		$186,700 Land $186,700	$373,400 Land $373,400
2024	$5,455.00
2023		$150,600 Land $150,600	$301,200 Land $301,200

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

Flood

FEMA maps place 603 Bay St in Zone X, an area of minimal flood risk.

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

Wildfire risk around 603 Bay St is low, with 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 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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