714 State St, Petoskey, MI 49770 Property Records

Emmet County property record for 714 State St, Petoskey, MI 49770

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 2,680 sqft
Lot Size	0.167 acres (7,300 sqft)
Owner	2 Individual Names on File
Tax Bill	$5,741 (2024)
Deeds & Mortgages	Feb 2026 Mortgage Feb 2026 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`52-19-05-179-019`

Property Details

APN / Parcel Number

Primary APN	`52-19-05-179-019`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Building Area	2,680 sqft Living Area
1st Floor Area	1,650 sqft
Basement Area	1,496 sqft
Unfinished Basement	1,496 sqft

Exterior

Lot Area	7,300 sqft (0.167 acres)
Garage Area	1,040 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	714 STATE ST
City	PETOSKEY
State	MI
Zip	49770-2723
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	COP R-2
Legal Description	CHARLES CARMICHAEL'S ADD. LOT 7 BLK 5 ALSO COM AT SW COR OF LOT 7, TH S 5', E 50', N 5', W TO POB. SECTION 5, T34N, R5W
Legal Range	05W
Legal Township	34N
Legal Section	05
Legal Subdivision	CHARLES CARMICHAELS ADDITION
Legal Block	5
Legal Lot Number	7
Jurisdiction	EMMET MI
Township / Civil Division	PETOSKEY
Census Block Group	2
Census Block	2015
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

714 State St is owned and occupied by two individuals who acquired it in June 2024.

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

Owner of Record	2 Individual Names on File
Mailing Address	714 STATE ST, PETOSKEY, MI 49770-2723
Occupancy	Owner Occupied
Owner Type	Individual

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
Feb 18, 2026	Deed of Trust, Mortgage · Conventional Mortgage MERCANTILE BANK
Feb 18, 2026	Deed of Trust, Mortgage · Conventional Mortgage MERCANTILE BANK
Oct 28, 2022	Quit Claim Deed, Transfer Quitclaim
Mar 21, 2022	Warranty Deed, Transfer · Conventional Mortgage MERCANTILE BANK
Aug 6, 2019	Warranty Deed, Transfer ATTORNEY'S TITLE, ATTORNEYS TITLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 11, 2024
Deed Sale	Jun 11, 2024
Prior Sale	Mar 21, 2022 · Amount on File
Deed Document Number	20245213165
Deed Book / Page	1260 / 152
Prior Transfer Date	Sep 30, 2022
Prior Transfer Doc	001248/172
Record Updated	Oct 29, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EMMET MI
Property Address	714 STATE ST, PETOSKEY, MI 49770-2755
Transaction Type	Mortgage
Record Updated	Mar 9, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	714 STATE ST, PETOSKEY, MI 49770-2723

Mortgage

Document Number	0000001273/0000000198
Date	Feb 18, 2026
Book Page	0000001273/0000000198
Instrument	5226248

Lender

Name	MERCANTILE BANK

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Jan 1, 2041

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EMMET MI
Property Address	714 STATE ST, PETOSKEY, MI 49770-2755
Transaction Type	Mortgage
Record Updated	Mar 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	714 STATE ST, PETOSKEY, MI 49770-2723

Mortgage

Document Number	0000001273/0000000198
Date	Feb 18, 2026
Book Page	0000001273/0000000198
Instrument	5226248

Lender

Name	MERCANTILE BANK

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Jan 1, 2041

October 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	EMMET MI
Recording Date	Oct 28, 2022
Property Address	714 STATE ST, PETOSKEY, MI 49770-2755
Document Number	001248/172
Book / Page	1248 / 172
Instrument Date	Sep 30, 2022
Instrument	5201140
Transaction Type	Transfer
Record Updated	Nov 14, 2022

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	714 STATE ST, PETOSKEY, MI 49770-2755

March 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EMMET MI
Recording Date	Mar 21, 2022
Property Address	714 STATE ST, PETOSKEY, MI 49770-2755
Document Number	001242/414
Book / Page	1242 / 414
Instrument Date	Mar 14, 2022
Instrument	5195387
Transaction Type	Transfer
Record Updated	Apr 18, 2022

Transaction

Amount	Amount on Record
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	714 STATE ST, PETOSKEY, MI 49770-2755

Mortgage

Document Number	0005195388
Date	Mar 21, 2022
Instrument	5195388

Lender

Name	MERCANTILE BANK

Agreement

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

August 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EMMET MI
Recording Date	Aug 6, 2019
Property Address	714 STATE ST, PETOSKEY, MI 49770-2755
Document Number	1213/995
Book / Page	1213 / 995
Instrument Date	Aug 1, 2019
Instrument	5166915
Transaction Type	Transfer
Record Updated	Jun 22, 2021
Title Company	ATTORNEY'S TITLE, ATTORNEYS TITLE

Transaction

Amount	Amount 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	701 ROSE ST, PETOSKEY, MI 49770-2535

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		$250,100 (+14.31%) Land $250,100	$500,200 (+14.31%) Land $500,200
2025		$218,800 Land $218,800	$437,600 Land $437,600
2024	$5,741.00
2023		$158,500 Land $158,500	$317,000 Land $317,000

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

Flood

FEMA maps place 714 State St in Zone X, an area of minimal flood risk.

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

Wildfire risk around 714 State St 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	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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