703 State St, Petoskey, MI 49770 Property Records

Emmet County property record for 703 State St, Petoskey, MI 49770

Property Summary

Property Type	Single Family Home
Lot Size	0.16 acres (6,973 sqft)
Owner	Individual Name on Record
Last Sale	$209,900 (Mar 2018)
Tax Bill	$3,489 (2024)
Deeds & Mortgages	Mar 2018 Mortgage Jan 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`52-19-05-179-014`

Property Details

APN / Parcel Number

Primary APN	`52-19-05-179-014`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,446 sqft Living Area
1st Floor Area	858 sqft
Basement Area	798 sqft
Unfinished Basement	798 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Lot Area	6,973 sqft (0.16 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	703 STATE ST
City	PETOSKEY
State	MI
Zip	49770-2754
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	COP R-2
Legal Description	CHARLES CARMICHAEL'S ADD. E 1/2 OF LOTS 1 & 2 BLK 4. SECTION 5, T34N, R5W
Legal Range	05W
Legal Township	34N
Legal Section	05
Legal Subdivision	CHARLES CARMICHAELS ADDITION
Legal Block	4
Legal Lot Number	1-2
Jurisdiction	EMMET MI
Township / Civil Division	PETOSKEY
Census Block Group	2
Census Block	2011
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	Individual Name on Record
Mailing Address	703 STATE ST, PETOSKEY, MI 49770-2754
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 29, 2018	Deed of Trust, Mortgage · ARM DART BANK
Jan 5, 2021	Deed of Trust, Mortgage · Conventional Mortgage DART BANK
Mar 29, 2018	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 29, 2018 · Amount on Record
Deed Sale	Mar 29, 2018 · Amount on Record
Prior Sale	Jul 30, 2013 · Amount on Record
Deed Document Number	20185155175
Deed Book / Page	1202 / 278
Record Updated	Oct 29, 2026

March 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EMMET MI
Property Address	703 STATE ST, PETOSKEY, MI 49770-2754
Transaction Type	Mortgage
Record Updated	Aug 12, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000001202/0000000279
Date	Mar 29, 2018
Book Page	0000001202/0000000279
Instrument	000005155176

Lender

Name	DART BANK
Type	Bank

Agreement

Type	ARM
Amount	Amount Recorded
Term	358 Months
Due	Jan 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	4.75%
Type Change Date	Apr 1, 2033
Index	1-Year LIBOR

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EMMET MI
Property Address	703 STATE ST, PETOSKEY, MI 49770-2754
Transaction Type	Mortgage
Record Updated	Aug 12, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	703 STATE ST, PETOSKEY, MI 49770-2754

Mortgage

Document Number	0000001228/0000000702
Date	Jan 5, 2021
Book Page	0000001228/0000000702
Instrument	5181671

Lender

Name	DART BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2051

March 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EMMET MI
Recording Date	Mar 29, 2018
Property Address	703 STATE ST, PETOSKEY, MI 49770-2754
Document Number	001202/278
Book / Page	1202 / 278
Instrument Date	Mar 16, 2018
Instrument	000005155175
Transaction Type	Transfer
Record Updated	Aug 12, 2022

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount from Assessment
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6139 MIDDALE DR NE, BELMONT, MI 49306-9225

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		$188,700 (+49.88%) Land $188,700	$377,400 (+49.88%) Land $377,400
2024	$3,489.00
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

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 416 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

May also be available: AT&T.

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