722 State St, Petoskey, MI 49770 Property Records

Emmet County property record for 722 State St, Petoskey, MI 49770

Property Summary

Property Type	Single Family Home
Lot Size	0.127 acres (5,572 sqft)
Owner	2 Individual Names on Record
Last Sale	$250,000 (May 2016)
Tax Bill	$4,652 (2024)
Deeds & Mortgages	Jul 2018 Mortgage Jan 2018 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`52-19-05-179-021`

Property Details

APN / Parcel Number

Primary APN	`52-19-05-179-021`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Building Area	2,095 sqft Living Area
1st Floor Area	1,076 sqft
Basement Area	964 sqft
Unfinished Basement	964 sqft

Exterior

Lot Area	5,572 sqft (0.127 acres)
Garage Area	624 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	722 STATE ST
City	PETOSKEY
State	MI
Zip	49770-2755
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	COP R-2
Legal Description	CHARLES CARMICHAEL'S ADD. LOT 9 BLK 5 ALSO COM AT THE SW COR OF LOT 9, TH S 5', E 40.7', 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	9
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

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	2 Individual Names on Record
Mailing Address	722 STATE ST, PETOSKEY, MI 49770-2755
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 31, 2018	Deed of Trust, Mortgage LAKE MICHIGAN CREDIT UNION
Jan 4, 2018	Deed of Trust, Mortgage · Line of Credit CHEMICAL BANK
Jul 31, 2018	Warranty Deed, Transfer
Oct 6, 2017	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 3, 2016 · Amount on Record
Deed Sale	May 3, 2016 · Amount on Record
Deed Document Number	20165137919
Deed Book / Page	1185 / 66
Prior Transfer Date	Oct 1, 2009
Prior Transfer Doc	1117/322
Record Updated	Oct 29, 2026

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EMMET MI
Property Address	722 STATE ST, PETOSKEY, MI 49770-2755
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000001205/0000000450
Date	Jul 31, 2018
Book Page	0000001205/0000000450
Instrument	000005158345

Lender

Name	LAKE MICHIGAN CREDIT UNION
Type	Credit Union

Agreement

Amount	Amount Recorded
Term	354 Months
Due	Jan 1, 2048

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EMMET MI
Property Address	722 STATE ST, PETOSKEY, MI 49770-2755
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1200/0494
Date	Jan 4, 2018
Book Page	1200/0494
Instrument	5153393

Lender

Name	CHEMICAL BANK
Type	Bank
Address	MIDLAND, MI 48640

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EMMET MI
Recording Date	Jul 31, 2018
Property Address	722 STATE ST, PETOSKEY, MI 49770-2755
Document Number	1205/49
Book / Page	1205 / 49
Instrument Date	Jul 5, 2018
Instrument	000005158344
Transaction Type	Transfer
Record Updated	Jun 22, 2021

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	2232 ROSEWOOD LN, PETOSKEY, MI 49770-8322

October 2017: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	EMMET MI
Recording Date	Oct 6, 2017
Property Address	722 STATE ST, PETOSKEY, MI 49770-2755
Document Number	1198/0350
Book / Page	1198 / 0350
Instrument Date	Sep 22, 2017
Instrument	5151226
Transaction Type	Transfer
Record Updated	Jun 22, 2021

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	722 STATE ST, 722, PETOSKEY, MI 49770-2755

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	722 STATE ST, PETOSKEY, MI 49770-2755

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		$270,700 (+14.51%) Land $270,700	$541,400 (+14.51%) Land $541,400
2025		$236,400 (+39.22%) Land $236,400	$472,800 (+39.22%) Land $472,800
2024	$4,652.00
2023		$169,800 Land $169,800	$339,600 Land $339,600

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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