700 S Division Rd, Petoskey, MI 49770 Property Records

Emmet County property record for 700 S Division Rd, Petoskey, MI 49770

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,344 sqft · built 2019
Lot Size	5 acres (217,800 sqft)
Owner	Individual Name on Record
Last Sale	$244,399 (Mar 2022)
Tax Bill	$3,736 (2024)
Deeds & Mortgages	Mar 2022 Sale & Mortgage Feb 2017 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`01-19-04-300-017`

Property Details

APN / Parcel Number

Primary APN	`01-19-04-300-017`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,344 sqft Living Area
1st Floor Area	1,344 sqft
Basement Area	1,344 sqft
Unfinished Basement	1,344 sqft

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Architectural Style	Ranch
Lot Area	217,800 sqft (5 acres)
Garage Area	576 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	700 S DIVISION RD
City	PETOSKEY
State	MI
Zip	49770-8212
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	EC R-1
Legal Description	COM AT S 1/4 COR OF SEC, TH N 1332.7 FT TO S 1/8 LN FOR POB, TH CONT N 333.17 FT, TH N-89-53-54-W 1319.04 FT TO W 1/8 LN, TH S 332.08 FT TO S 1/8 LN, TH E TO POB, EXC COM AT S 1/4 COR OF SEC, TH N 1333.43 FT TO S 1/8 LN FOR POB, TH W 33 FT TO W LN OF
Legal Range	05W
Legal Township	34N
Legal Section	04
Legal Subdivision	NE4SW4S4 T34N R5W
Jurisdiction	EMMET MI
Township / Civil Division	BEAR CREEK
Census Block Group	3
Census Block	3000
Census Tract	970700

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	700 S DIVISION RD, PETOSKEY, MI 49770-8212
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 21, 2022	Warranty Deed, Transfer · Conventional Mortgage CALIBER HOME LOANS
Feb 10, 2017	Deed of Trust, Mortgage · Line of Credit ST FRANCIS X FEDERAL CREDIT UNION
Nov 20, 2020	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 21, 2022 · Amount on Record
Deed Sale	Mar 21, 2022 · Amount on Record
Prior Sale	Mar 5, 2010 · Amount on Record
Deed Document Number	20225195358
Deed Book / Page	1242 / 385
Prior Transfer Date	Oct 20, 2020
Prior Transfer Doc	1227/371
Record Updated	Oct 29, 2026

March 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EMMET MI
Recording Date	Mar 21, 2022
Property Address	700 S DIVISION RD, PETOSKEY, MI 49770-8212
Document Number	001242/385
Book / Page	1242 / 385
Instrument Date	Mar 3, 2022
Instrument	5195358
Transaction Type	Transfer
Record Updated	Apr 18, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
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	700 S DIVISION RD, PETOSKEY, MI 49770-8212

Mortgage

Document Number	0005195359
Date	Mar 21, 2022
Instrument	5195359

Lender

Name	CALIBER HOME LOANS

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	358 Months
Due	Jan 1, 2052

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EMMET MI
Property Address	700 S DIVISION RD, PETOSKEY, MI 49770-8212
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1192/0098
Date	Feb 10, 2017
Book Page	1192/0098
Instrument	5144976

Lender

Name	ST FRANCIS X FEDERAL CREDIT UNION
Address	PETOSKEY, MI 49770

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	238 Months
Due	Dec 16, 2036

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	EMMET MI
Recording Date	Nov 20, 2020
Property Address	700 S DIVISION RD, PETOSKEY, MI 49770-8212
Document Number	1227/371
Book / Page	1227 / 371
Instrument Date	Oct 20, 2020
Instrument	5180320
Transaction Type	Transfer
Record Updated	Jun 22, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	700 S DIVISION RD, PETOSKEY, MI 49770-8212

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$218,900 (+8.8%) Land $34,000 Building $184,900	$437,800 (+8.8%) Land $68,000 Building $369,800
2025		$201,200 (+39.72%) Land $27,500 Building $173,700	$402,400 (+39.72%) Land $55,000 Building $347,400
2024	$3,736.00
2023		$144,000 Land $23,800 Building $120,200	$288,000 Land $47,600 Building $240,400

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 · 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
Nearby Flood Claims	1 (2014)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Apr 2014 · rainfall accumulation

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	Indirect within ember reach
Adjoins Burnable Land	Yes

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	BAY VIEW ASSOCIATION private · serves 831 people · EPA ID MI0000490
Water Source	Purchased groundwater from CITY OF PETOSKEY
Last State Inspection	Nov 2025
Lead	5 ppb (2020–2022) 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 38 locations within half a mile, as of December 31, 2025

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

Cell Coverage

5G (outdoors only) and 4G LTE

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