Emmet County property record for 604 Bay St, Petoskey, MI 49770
| Property Type | Single Family Home |
|---|---|
| Lot Size | 0.288 acres (12,543 sqft) |
| Owner | Company Name on File |
| Tax Bill | $21,691 (2024) |
| Deeds & Mortgages | Aug 2023 Sale Sep 2021 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 52-19-05-102-020 |
| Primary APN | 52-19-05-102-020 |
|---|
| Lot Area | 12,543 sqft (0.288 acres) |
|---|
| Street Address | 604 BAY ST |
|---|---|
| City | PETOSKEY |
| State | MI |
| Zip | 49770-2505 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | COP R-1 |
| Legal Description | FRANCIS PETOSKEY'S ADDITION LOT 5 & 6. SECTION 5, T34N, R5W |
| Legal Range | 05W |
| Legal Township | 34N |
| Legal Section | 05 |
| Legal Subdivision | FRANCIS PETOSKEYS ADDITION |
| Legal Block | 5 |
| Legal Lot Number | 5-6 |
| Jurisdiction | EMMET MI |
| Township / Civil Division | PETOSKEY |
| Census Block Group | 1 |
| Census Block | 1075 |
| Census Tract | 970700 |
Source: Emmet County records · APN 52-19-05-102-020
Assessment roll updated July 21, 2026 · Last verified July 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 1480 SEAWAY DR, 5, FORT PIERCE, FL 34949-3152 |
| Owner Type | Company |
| Vesting | Trust, Family Trust |
| Date | Document |
|---|---|
| Aug 15, 2023 | Warranty Deed, Transfer CRISLO TITLE COMPANY, CISLO TITLE COMPANY |
| Sep 29, 2021 | Deed of Trust, Mortgage · Conventional Mortgage FIRST COMMUNITY BANK |
| Aug 12, 2021 | Deed of Trust, Mortgage · Conventional Mortgage FIRST COMMUNITY BANK |
| Jun 08, 2020 | Deed of Trust, Mortgage · Conventional Mortgage AMERIFIRST FINANCIAL |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Aug 15, 2023 |
| Deed Sale | Aug 15, 2023 |
| Prior Sale | Jan 06, 2015 · Amount on Record |
| Deed Document Number | 20235207051 |
| Deed Book / Page | 1254 / 60 |
| Prior Transfer Date | Jan 02, 2015 |
| Prior Transfer Doc | 1172/702 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | EMMET MI |
| Recording Date | Aug 15, 2023 |
| Property Address | 604 BAY ST, PETOSKEY, MI 49770-2505 |
| Document Number | 0001254/60 |
| Book / Page | 1254 / 60 |
| Instrument Date | Aug 11, 2023 |
| Instrument | 5207051 |
| Transaction Type | Transfer |
| Record Updated | Aug 25, 2023 |
| Title Company | CRISLO TITLE COMPANY, CISLO TITLE COMPANY |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Family Trust |
| Address | 6707 LAKE PISGAH DR, TALLAHASSEE, FL 32309-2087 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | EMMET MI |
| Property Address | 604 BAY ST, PETOSKEY, MI 49770-2505 |
| Transaction Type | Mortgage |
| Record Updated | Oct 25, 2021 |
| Name | Verified Name |
|---|---|
| Address | 604 BAY ST, PETOSKEY, MI 49770-2505 |
| Document Number | 0000001237/0000000523 |
|---|---|
| Date | Sep 29, 2021 |
| Book Page | 0000001237/0000000523 |
| Instrument | 5190484 |
| Name | FIRST COMMUNITY BANK |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | EMMET MI |
| Property Address | 604 BAY ST, PETOSKEY, MI 49770-2505 |
| Transaction Type | Mortgage |
| Record Updated | Sep 06, 2021 |
| Name | Verified Name |
|---|---|
| Address | 604 BAY ST, PETOSKEY, MI 49770-2505 |
| Document Number | 0000001236/0000000033 |
|---|---|
| Date | Aug 12, 2021 |
| Book Page | 0000001236/0000000033 |
| Instrument | 5188995 |
| Name | FIRST COMMUNITY BANK |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 01, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | EMMET MI |
| Property Address | 604 BAY ST, PETOSKEY, MI 49770-2505 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|---|
| Address | 604 BAY ST, PETOSKEY, MI 49770-2505 |
| Document Number | 0000001221/0000000958 |
|---|---|
| Date | Jun 08, 2020 |
| Book Page | 0000001221/0000000958 |
| Instrument | 5174901 |
| Name | AMERIFIRST FINANCIAL |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 01, 2050 |
Source: Emmet County records · Assessment roll updated July 21, 2026 · Last verified July 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Emmet County |
| Municipality | Petoskey City |
| Unified School District | Public Schools of Petoskey (KG - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $597,000 (+30.95%) Land $597,000 | $1,194,000 (+30.95%) Land $1,194,000 | |
| 2025 | $455,900 (+25.14%) Land $455,900 | $911,800 (+25.14%) Land $911,800 | |
| 2024 | $21,691.00 | ||
| 2023 | $364,300 Land $364,300 | $728,600 Land $728,600 |
Source: FEMA National Flood Hazard Layer as of May 31, 2022 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 4 in force |
| 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 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.
Source: NPS National Register of Historic Places as of August 1, 2026 · Last verified October 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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| 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.
Based on FCC filings for 172 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | CITY OF PETOSKEY serves 8,979 people |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Aug 2023 |
| Lead | 2 ppb (2022–2024) action level 15 ppb |
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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