Emmet County property record for 782 Lears Rd, Petoskey, MI 49770 · Last verified July 2026
| Property Type | Single Family Home |
|---|---|
| Lot Size | 1.03 acres (45,235 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $4,015 (2024) |
| Deeds & Mortgages | Jun 2026 Mortgage Aug 2020 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 01-19-07-400-041 |
| Primary APN | 01-19-07-400-041 |
|---|
| Lot Area | 45,235 sqft (1.03 acres) |
|---|
| Street Address | 782 LEARS RD |
|---|---|
| City | PETOSKEY |
| State | MI |
| Zip | 49770-8391 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | PT OF NE ? OF SE ? OF SECTION 7, COM AT SE COR NE 1/4 OF SE 1/4 OF SD SEC, TH ALG S LN OF SD SEC, S88?55?29?W 571.40 FT TO |
| Jurisdiction | EMMET MI |
| Township / Civil Division | BEAR CREEK |
| Census Block Group | 5 |
| Census Block | 5012 |
| Census Tract | 970800 |
Source: Emmet County records · APN 01-19-07-400-041
Assessment roll updated July 21, 2026 · Last verified July 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 File |
|---|---|
| Mailing Address | 782 LEARS RD, PETOSKEY, MI 49770-8391 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 08, 2026 | Deed of Trust · Conventional Mortgage CITIZENS NATIONAL BANK/CHEBOYGAN |
| Aug 31, 2020 | Deed of Trust, Mortgage · Conventional Mortgage CITIZENS NATIONAL BANK OF CHEBOYGAN |
| Feb 23, 2021 | Deed of Trust, Mortgage · Conventional Mortgage CITIZENS NATIONAL BANK OF CHEBOYGAN |
| Jun 03, 2021 | Deed of Trust, Mortgage · Conventional Mortgage CITIZENS NATIONAL BANK OF CHEBOYGAN |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | EMMET MI |
| Recording Date | Jun 08, 2026 |
| Property Address | 782 LEARS RD, PETOSKEY, MI 49770-8391 |
| Document Number | 0000001275/0000000570 |
| Book / Page | 1275 / 570 |
| Instrument Date | May 28, 2026 |
| Instrument | 20265228619 |
| Record Updated | Jun 22, 2026 |
| Name | Verified Name |
|---|---|
| Address | 782 LEARS RD, PETOSKEY, MI 49770-8391 |
| Document Number | 0005228619, |
|---|---|
| Date | Jun 08, 2026 |
| Book Page | 1275/570 |
| Instrument | 20265228619 |
| Name | CITIZENS NATIONAL BANK/CHEBOYGAN |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | May 01, 2051 |
| Rate | 6.3% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | EMMET MI |
| Property Address | 782 LEARS RD, PETOSKEY, MI 49770-8391 |
| Transaction Type | Mortgage |
| Record Updated | Mar 07, 2023 |
| Name | Verified Name |
|---|---|
| Address | 1177 WOODLAND DR, PETOSKEY, MI 49770-9714 |
| Document Number | 0000001224/0000000501 |
|---|---|
| Date | Aug 31, 2020 |
| Book Page | 0000001224/0000000501 |
| Instrument | 5177447 |
| Name | CITIZENS NATIONAL BANK OF CHEBOYGAN |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 12 Months |
| Due | Jan 01, 2021 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | EMMET MI |
| Property Address | 782 LEARS RD, PETOSKEY, MI 49770-8391 |
| Transaction Type | Mortgage |
| Record Updated | Mar 07, 2023 |
| Name | Verified Name |
|---|---|
| Address | 782 LEARS RD, PETOSKEY, MI 49770-8391 |
| Document Number | 0000001230/0000000309 |
|---|---|
| Date | Feb 23, 2021 |
| Book Page | 0000001230/0000000309 |
| Instrument | 5183276 |
| Name | CITIZENS NATIONAL BANK OF CHEBOYGAN |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 01, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | EMMET MI |
| Property Address | 782 LEARS RD, PETOSKEY, MI 49770-8391 |
| Transaction Type | Mortgage |
| Record Updated | Mar 07, 2023 |
| Name | Verified Name |
|---|---|
| Address | 782 LEARS RD, PETOSKEY, MI 49770-8391 |
| Document Number | 0000001233/0000000753 |
|---|---|
| Date | Jun 03, 2021 |
| Book Page | 0000001233/0000000753 |
| Instrument | 5186718 |
| Name | CITIZENS NATIONAL BANK OF CHEBOYGAN |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Jan 01, 2041 |
Source: Emmet County records · Assessment roll updated July 21, 2026 · Last verified July 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Emmet County |
| County Subdivision | Bear Creek Township |
| Unified School District | Public Schools of Petoskey (KG - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $263,100 (+42.45%) Land $263,100 | $526,200 (+42.45%) Land $526,200 | |
| 2024 | $4,015.00 | ||
| 2023 | $184,700 Land $184,700 | $369,400 Land $369,400 |
Source: FEMA National Flood Hazard Layer, Emmet County (26047C), updated May 31, 2022 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Wildfire Risk | Low above 20% of the US · above 52% of Michigan |
|---|---|
| Wildfire Likelihood | About 1 in 10,000 per year |
| Exposure | Indirect within ember reach |
Values are read at the parcel center point; lenders make the official flood determination.
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