648 Franklin Ests, Petoskey, MI 49770 Property Records

Emmet County property record for 648 Franklin Ests, Petoskey, MI 49770

Property Summary

Property Type	Condominium
Details	3 bd · 2 ba · 1,428 sqft · built 2007
Lot Size	0.856 acres (37,316 sqft)
Owner	2 Individual Names on File
Tax Bill	$4,048 (2024)
Deeds & Mortgages	Jun 2026 Sale Jun 2026 Sale + 2 more
Flood Zone	Zone X (minimal risk)
APN	`14-17-33-451-111`

Property Details

APN / Parcel Number

Primary APN	`14-17-33-451-111`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,428 sqft Living Area
1st Floor Area	1,428 sqft
Basement Area	1,428 sqft
Unfinished Basement	1,428 sqft

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Architectural Style	Condo/Apartment
Lot Area	37,316 sqft
Garage Area	672 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	648 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 11. SECTION 33, T35N, R4W
Legal Range	04W
Legal Township	35N
Legal Section	33
Legal Subdivision	FRANKLIN ESTATES
Legal Unit	11
Jurisdiction	EMMET MI
Township / Civil Division	SPRINGVALE
Census Block Group	3
Census Block	3027
Census Tract	970500

Owner

648 Franklin Ests, a condominium, is owned and occupied by two individuals who acquired it in June 2026.

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

Owner of Record	2 Individual Names on File
Mailing Address	648 FRANKLIN ESTS, PETOSKEY, MI 49770-7623
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

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
Jun 29, 2026	Warranty Deed, Transfer
Jun 29, 2026	Warranty Deed, Transfer
Jul 5, 2022	Warranty Deed, Transfer
Oct 24, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance THE HUNTINGTON NATIONAL BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 5, 2022
Deed Sale	Jul 5, 2022
Prior Sale	Dec 13, 2006 · Amount on File
Deed Document Number	20225198237
Deed Book / Page	1245 / 267
Last Transfer Date	Jun 4, 2026
Transfer Doc	0005229124
Record Updated	Oct 29, 2026

June 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EMMET MI
Recording Date	Jun 29, 2026
Property Address	648 FRANKLIN ESTS, PETOSKEY, MI 49770-7623
Document Number	0005229124
Book / Page	1276 / 76
Instrument Date	Jun 4, 2026
Instrument	20265229124
Transaction Type	Transfer
Record Updated	Jul 13, 2026

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	648 FRANKLIN ESTS, PETOSKEY, MI 49770-7623

June 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EMMET MI
Recording Date	Jun 29, 2026
Property Address	648 FRANKLIN ESTS, PETOSKEY, MI 49770-7623
Document Number	0005229124
Book / Page	1276 / 76
Instrument Date	Jun 4, 2026
Instrument	20265229124
Transaction Type	Transfer
Record Updated	Aug 30, 2026

Transaction

Tax	$0.00

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	648 FRANKLIN ESTS, PETOSKEY, MI 49770-7623

July 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EMMET MI
Recording Date	Jul 5, 2022
Property Address	648 FRANKLIN ESTS, PETOSKEY, MI 49770-7623
Document Number	001245/267
Book / Page	1245 / 267
Instrument Date	Jun 30, 2022
Instrument	5198237
Transaction Type	Transfer
Record Updated	Jul 22, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 566, PETOSKEY, MI 49770-0566

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EMMET MI
Property Address	648 FRANKLIN ESTS, PETOSKEY, MI 49770-7623
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1216/333
Date	Oct 24, 2019
Book Page	1216/333
Instrument	5169254

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2049

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		$206,900 Land $206,900	$413,800 Land $413,800
2024	$4,048.00
2023		$146,800 Land $146,800	$293,600 Land $293,600

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

Flood

FEMA maps place 648 Franklin Ests 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	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

Wildfire risk around 648 Franklin Ests 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	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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