628 State St, Petoskey, MI 49770 Property Records

Emmet County property record for 628 State St, Petoskey, MI 49770

Property Summary

Property Type	Single Family Home
Lot Size	0.169 acres (7,377 sqft)
Owner	Individual Name on File
Last Sale	$400,000 (Oct 2021)
Tax Bill	$8,612 (2024)
Deeds & Mortgages	Oct 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`52-19-05-179-017`

Property Details

APN / Parcel Number

Primary APN	`52-19-05-179-017`

Exterior

Lot Area	7,377 sqft (0.169 acres)

Location & Zoning

Street Address	628 STATE ST
City	PETOSKEY
State	MI
Zip	49770-2753
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	COP R-2
Legal Description	CHARLES CARMICHAEL'S ADD. LOT 3 BLK 2. SECTION 5, T34N, R5W
Legal Range	05W
Legal Township	34N
Legal Section	05
Legal Subdivision	CHARLES CARMICHAELS ADDITION
Legal Block	2
Legal Lot Number	3
Jurisdiction	EMMET MI
Township / Civil Division	PETOSKEY
Census Block Group	2
Census Block	2016
Census Tract	970700

Owner

Source: Emmet County records · APN 52-19-05-179-017

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	Individual Name on File
Mailing Address	628 STATE ST, PETOSKEY, MI 49770-2753
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Oct 19, 2021 · Amount on Record
Deed Sale	Oct 19, 2021 · Amount on Record
Prior Sale	Sep 25, 2013 · Amount on Record
Deed Document Number	20215191051
Deed Book / Page	1238 / 89
Prior Transfer Date	Nov 18, 2005
Prior Transfer Doc	1073000018
Record Updated	Sep 20, 2026

October 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EMMET MI
Recording Date	Oct 19, 2021
Property Address	628 STATE ST, PETOSKEY, MI 49770-2753
Document Number	1238/89
Book / Page	1238 / 89
Instrument Date	Oct 12, 2021
Instrument	5191051
Transaction Type	Transfer
Record Updated	Nov 15, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
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	1432 AUSTON LN, CHELSEA, MI 48118-2103
Investor	Possibly a Property Investor

Mortgage

Document Number	5191052
Date	Oct 19, 2021
Instrument	5191052

Lender

Name	UNITED WHOLESALE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	351 Months
Due	Jan 01, 2051

Tax Assessment & Valuation

Source: Emmet County records · Assessment roll updated July 21, 2026 · Last verified July 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

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$250,900 (+58.4%) Land $250,900	$501,800 (+58.4%) Land $501,800
2024	$8,612.00
2023		$158,400 Land $158,400	$316,800 Land $316,800

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of May 31, 2022 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Wildfire

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; lenders make the official flood determination.

Historic Designation

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: AT&T.

Based on FCC filings for 416 locations within half a mile of this property.

Drinking Water

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

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 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.