704 E Lake St, Petoskey, MI 49770 Property Records

Emmet County property record for 704 E Lake St, Petoskey, MI 49770

Property Summary

Property Type	Single Family Home
Lot Size	0.214 acres (9,341 sqft)
Owner	Individual Name on Record
Tax Bill	$7,448 (2024)
Deeds & Mortgages	Nov 2025 Mortgage Apr 2024 Mortgage + 5 more
Flood Zone	Zone X (minimal risk)
APN	`52-19-05-126-045`

Property Details

APN / Parcel Number

Primary APN	`52-19-05-126-045`

Exterior

Lot Area	9,341 sqft (0.214 acres)

Location & Zoning

Street Address	704 E LAKE ST
City	PETOSKEY
State	MI
Zip	49770-2525
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	COP R-2
Legal Description	SHAW & MCMILLAN'S 3RD ADD. W 1/2 OF LOTS 4, & 5 & 6 BLK 4 SECTION 5, T34N, R5W
Legal Range	05W
Legal Township	34N
Legal Section	05
Legal Subdivision	SHAW AND MCMILLANS THIRD ADDITION
Legal Block	4
Legal Lot Number	4-6
Jurisdiction	EMMET MI
Township / Civil Division	PETOSKEY
Census Block Group	2
Census Block	2002
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 July 21, 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	704 E LAKE ST, PETOSKEY, MI 49770-2525
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 17, 2025	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE
Apr 24, 2024	Warranty Deed, Transfer · Conventional Mortgage FIRST COMMUNITY BANK
Mar 8, 2024	Quit Claim Deed, Transfer Quitclaim
Oct 17, 2023	Quit Claim Deed, Transfer Quitclaim
Oct 4, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance CHEMICAL BANK
Aug 7, 2020	Deed, Transfer
Aug 15, 2018	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 24, 2024
Deed Sale	Apr 24, 2024
Prior Sale	Aug 15, 2018 · Amount on Record
Deed Document Number	20245212218
Deed Book / Page	1259 / 209
Prior Transfer Date	Mar 7, 2024
Prior Transfer Doc	001258/274
Record Updated	Sep 20, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EMMET MI
Property Address	704 E LAKE ST, PETOSKEY, MI 49770-2525
Transaction Type	Mortgage
Record Updated	Dec 1, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	704 E LAKE ST, PETOSKEY, MI 49770-2525

Mortgage

Document Number	0000001271/0000000307
Date	Nov 17, 2025
Book Page	0000001271/0000000307
Instrument	5224343

Lender

Name	UNITED WHOLESALE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Jan 1, 2035

April 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EMMET MI
Recording Date	Apr 24, 2024
Property Address	704 E LAKE ST, PETOSKEY, MI 49770-2525
Document Number	001259/209
Book / Page	1259 / 209
Instrument Date	Apr 18, 2024
Instrument	5212218
Transaction Type	Transfer
Record Updated	May 3, 2024

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	971 MASON RD, PETOSKEY, MI 49770-9781

Mortgage

Document Number	0005212219
Date	Apr 24, 2024
Instrument	5212219

Lender

Name	FIRST COMMUNITY BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	357 Months
Due	Jan 1, 2054

March 2024: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	EMMET MI
Recording Date	Mar 8, 2024
Property Address	704 E LAKE ST, PETOSKEY, MI 49770-2525
Document Number	001258/274
Book / Page	1258 / 274
Instrument Date	Mar 7, 2024
Instrument	5211284
Transaction Type	Transfer
Record Updated	Mar 21, 2024

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9040 CEDAR LN, ALANSON, MI 49706-9740

October 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	EMMET MI
Recording Date	Oct 17, 2023
Property Address	704 E LAKE ST, PETOSKEY, MI 49770-2525
Document Number	001255/489
Book / Page	1255 / 489
Instrument Date	Oct 16, 2023
Instrument	5208479
Transaction Type	Transfer
Record Updated	Oct 27, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9040 CEDAR LN, ALANSON, MI 49706-9740

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EMMET MI
Property Address	704 E LAKE ST, PETOSKEY, MI 49770-2525
Transaction Type	Mortgage
Record Updated	Aug 12, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001215/721
Date	Oct 4, 2019
Book Page	1215/721
Instrument	5168643

Lender

Name	CHEMICAL BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded

August 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	EMMET MI
Recording Date	Aug 7, 2020
Property Address	704 E LAKE ST, PETOSKEY, MI 49770-2525
Document Number	001223/840
Book / Page	1223 / 840
Instrument Date	Jul 30, 2020
Instrument	5176783
Transaction Type	Transfer
Record Updated	Aug 12, 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	32960 BINGHAM RD, BINGHAM FARMS, MI 48025-2436

August 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EMMET MI
Recording Date	Aug 15, 2018
Property Address	704 E LAKE ST, PETOSKEY, MI 49770-2525
Document Number	001205/826
Book / Page	1205 / 826
Instrument Date	Aug 10, 2018
Instrument	000005158721
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	810 E LAKE ST, PETOSKEY, MI 49770-2527

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		$456,600 (+30.27%) Land $456,600	$913,200 (+30.27%) Land $913,200
2025		$350,500 (+22.17%) Land $350,500	$701,000 (+22.17%) Land $701,000
2024	$7,448.00
2023		$286,900 Land $286,900	$573,800 Land $573,800

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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