615 State St, Petoskey, MI 49770 Property Records

Emmet County property record for 615 State St, Petoskey, MI 49770

Property Summary

Property Type	Single Family Home
Lot Size	0.177 acres (7,743 sqft)
Owner	2 Individual Names on Record
Last Sale	$90,000 (May 2000)
Tax Bill	$1,903 (2024)
Deeds & Mortgages	Nov 2025 Sale Jan 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`52-19-05-100-071`

Property Details

APN / Parcel Number

Primary APN	`52-19-05-100-071`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Building Area	1,216 sqft Living Area
1st Floor Area	931 sqft
Basement Area	859 sqft
Unfinished Basement	859 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Lot Area	7,743 sqft (0.177 acres)
Garage Area	364 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	615 STATE ST
City	PETOSKEY
State	MI
Zip	49770-2752
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	COP R-2
Legal Description	VILLAGE OF PETOSKEY CITY LOT 7 BLK 5. SECTION 5, T34N, R5W
Legal Range	05W
Legal Township	34N
Legal Section	05
Legal Subdivision	VILLAGE OF PETOSKEY CITY
Legal Block	5
Legal Lot Number	7
Jurisdiction	EMMET MI
Township / Civil Division	PETOSKEY
Census Block Group	2
Census Block	2012
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 Individual Names on Record
Mailing Address	615 STATE ST, PETOSKEY, MI 49770-2752
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Nov 25, 2025	Warranty Deed, Transfer
Jan 7, 2021	Deed of Trust, Mortgage · Conventional Mortgage ST FRANCIS X FEDERAL CREDIT UNION
Jan 7, 2021	Deed of Trust, Mortgage · Conventional Mortgage ST FRANCIS X FEDERAL CREDIT UNION

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 31, 2000 · Amount on Record
Deed Sale	May 31, 2000 · Amount on Record
Prior Sale	Aug 1, 1995 · Amount on Record
Last Transfer Date	Nov 19, 2025
Transfer Doc	001271/527
Record Updated	Oct 29, 2026

November 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EMMET MI
Recording Date	Nov 25, 2025
Property Address	615 STATE ST, PETOSKEY, MI 49770-2752
Document Number	001271/527
Book / Page	1271 / 527
Instrument Date	Nov 19, 2025
Instrument	5224563
Transaction Type	Transfer
Record Updated	Dec 8, 2025

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	615 STATE ST, PETOSKEY, MI 49770-2752

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EMMET MI
Property Address	615 STATE ST, PETOSKEY, MI 49770-2752
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	615 STATE ST, PETOSKEY, MI 49770-2752

Mortgage

Document Number	0000001228/0000000780
Date	Jan 7, 2021
Book Page	0000001228/0000000780
Instrument	5181749

Lender

Name	ST FRANCIS X FEDERAL CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	348 Months
Due	Jan 1, 2050

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EMMET MI
Property Address	615 STATE ST, PETOSKEY, MI 49770-2752
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	615 STATE ST, PETOSKEY, MI 49770-2752

Mortgage

Document Number	0000001228/0000000779
Date	Jan 7, 2021
Book Page	0000001228/0000000779
Instrument	5181748

Lender

Name	ST FRANCIS X FEDERAL CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Jan 1, 2031

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		$139,300 (+9.08%) Land $139,300	$278,600 (+9.08%) Land $278,600
2025		$127,700 (+35.56%) Land $127,700	$255,400 (+35.56%) Land $255,400
2024	$1,903.00
2023		$94,200 Land $94,200	$188,400 Land $188,400

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

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	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 508 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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