641 Franklin Ests, Petoskey, MI 49770 Property Records

Emmet County property record for 641 Franklin Ests, Petoskey, MI 49770

Property Summary

Property Type	Condominium
Details	2 ba · 2,280 sqft · built 2022
Lot Size	0.735 acres (32,058 sqft)
Owner	2 Individual Names on Record
Last Sale	$18,000 (Apr 2021)
Tax Bill	$4,649 (2024)
Deeds & Mortgages	May 2023 Mortgage Jun 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`14-17-33-451-123`

Property Details

APN / Parcel Number

Primary APN	`14-17-33-451-123`

Interior

Full Baths	2 Baths
Building Area	2,280 sqft Living Area
1st Floor Area	2,280 sqft

Exterior

Year Built	Built 2022
Effective Year Built	Effective 2022
Architectural Style	Condo/Apartment
Lot Area	32,058 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	641 FRANKLIN ESTS
City	PETOSKEY
State	MI
Zip	49770-7623
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	EC FF-2
Legal Description	FRANKLIN ESTATES CONDO, PLAN #335, UNIT 23. SECTION 33, T35N, R4W
Legal Range	04W
Legal Township	35N
Legal Section	33
Legal Subdivision	FRANKLIN ESTATES
Legal Unit	23
Jurisdiction	EMMET MI
Township / Civil Division	SPRINGVALE
Census Block Group	3
Census Block	3027
Census Tract	970500

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	641 FRANKLIN ESTS, PETOSKEY, MI 49770-7623
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 25, 2023	Deed of Trust, Mortgage · Conventional Mortgage CHARLEVOIX STATE BANK
Jun 13, 2022	Deed of Trust, Mortgage · Conventional Mortgage CHARLEVOIX STATE BANK
Apr 21, 2021	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 21, 2021 · Amount on Record
Deed Sale	Apr 21, 2021 · Amount on Record
Deed Document Number	20215185331
Deed Book / Page	1232 / 366
Record Updated	Oct 29, 2026

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EMMET MI
Property Address	641 FRANKLIN ESTS, PETOSKEY, MI 49770-7623
Transaction Type	Mortgage
Record Updated	Jul 11, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1665 BEAR CREEK LN S, PETOSKEY, MI 49770-8381

Mortgage

Document Number	0000001252/0000000382
Date	May 25, 2023
Book Page	0000001252/0000000382
Instrument	5205367

Lender

Name	CHARLEVOIX STATE BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2053

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EMMET MI
Property Address	641 FRANKLIN ESTS, PETOSKEY, MI 49770-7623
Transaction Type	Mortgage
Record Updated	Jul 11, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1665 BEAR CREEK LN, PETOSKEY, MI 49770-8381

Mortgage

Document Number	0000001244/0000000711
Date	Jun 13, 2022
Book Page	0000001244/0000000711
Instrument	5197682

Lender

Name	CHARLEVOIX STATE BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

April 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EMMET MI
Recording Date	Apr 21, 2021
Property Address	641 FRANKLIN ESTS, PETOSKEY, MI 49770-7623
Document Number	001232/366
Book / Page	1232 / 366
Instrument Date	Apr 19, 2021
Instrument	5185331
Transaction Type	Transfer
Record Updated	Jul 11, 2023

Transaction

Amount	Amount Recorded
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	1665 BEAR CREEK LN, PETOSKEY, MI 49770-8381

Tax Assessment & Valuation

Source: Emmet County assessment roll, as of July 21, 2026

Property Jurisdictions

Type	Name
State	Michigan
County	Emmet County
County Subdivision	Springvale Township
Unified School District	Public Schools of Petoskey (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$220,300 (+74.98%) Land $220,300	$440,600 (+74.98%) Land $440,600
2024	$4,649.00
2023		$125,900 Land $125,900	$251,800 Land $251,800

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 · 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	1 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

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	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 71 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Truestream Fiber	1,000 / 1,000
Spectrum Cable	1,000 / 50

Cell Coverage

5G and 4G LTE (outdoors only)

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