7858 Thunder Trl, Petoskey, MI 49770 Property Records

Emmet County property record for 7858 Thunder Trl, Petoskey, MI 49770

Property Summary

Property Type	Single Family Home
Lot Size	4.5 acres (196,020 sqft)
Owner	2 Individual Names on File
Last Sale	$775,000 (Nov 2025)
Tax Bill	$9,675 (2024)
Deeds & Mortgages	Jun 2015 Mortgage Jun 2025 Mortgage + 8 more
Flood Zone	Zone X (minimal risk)
APN	`14-20-09-100-018`

Property Details

APN / Parcel Number

Primary APN	`14-20-09-100-018`

Exterior

Lot Area	196,020 sqft (4.5 acres)

Location & Zoning

Street Address	7858 THUNDER TRL
City	PETOSKEY
State	MI
Zip	49770-7802
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	EC FF-2
Legal Description	COM 1094.44 FT S OF NW COR OF SEC FOR POB, TH CONT S 218.88 FT, E 874.34 FT, N 327.59 FT TO CTR OF 100 FT RAD TURNAROUND, TH
Legal Range	04W
Legal Township	34N
Legal Section	09
Jurisdiction	EMMET MI
Township / Civil Division	SPRINGVALE
Census Block Group	4
Census Block	4008
Census Tract	970500

Owner

Source: Emmet County assessment roll, 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	2 Individual Names on File
Mailing Address	514 AMERICAS WAY, BOX ELDER, SD 57719-7600
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Jun 24, 2015	Deed of Trust, Mortgage QUICKEN LOANS INC
Jun 24, 2025	Deed of Trust, Mortgage NEIGHBORHOOD MORTGAGE SOLUTION
Nov 11, 2016	Deed of Trust, Mortgage QUICKEN LOANS INC
Mar 10, 2025	Deed of Trust, Mortgage · Conventional Mortgage INTANDEM CREDIT UNION
Mar 13, 2013	Deed of Trust, Mortgage QUICKEN LOANS INC
Nov 11, 2025	Deed of Trust, Mortgage · Conventional Mortgage CREDIT UNION ONE
Mar 10, 2025	Deed of Trust, Mortgage · Conventional Mortgage INTANDEM CREDIT UNION
Mar 10, 2025	Deed of Trust, Mortgage · Conventional Mortgage INTANDEM CREDIT UNION
Nov 11, 2025	Warranty Deed, Transfer · Conventional Mortgage CREDIT UNION ONE
Jun 26, 2023	Warranty Deed, Transfer · Conventional Mortgage FIRST COMMUNITY MORTGAGE

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Nov 11, 2025 · Amount on Record
Deed Sale	Nov 11, 2025 · Amount on Record
Prior Sale	Jun 26, 2023 · Amount on Record
Deed Document Number	20255224261
Deed Book / Page	1271 / 225
Prior Transfer Date	Jun 24, 2015
Prior Transfer Doc	1177/0229
Record Updated	Sep 20, 2026

June 2015: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EMMET MI
Property Address	7858 THUNDER TRL, PETOSKEY, MI 49770-7802
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	01177/0223
Date	Jun 24, 2015
Book Page	1177/0223
Instrument	5130026

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution
Address	DETROIT, MI 48226

Agreement

Amount	Amount Recorded
Term	217 Months
Due	Jul 1, 2033

June 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EMMET MI
Property Address	7858 THUNDER TRL, PETOSKEY, MI 49770-7802
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7858 THUNDER TRL, PETOSKEY, MI 49770-7802

Mortgage

Document Number	0000001267/0000000868
Date	Jun 24, 2025
Book Page	0000001267/0000000868
Instrument	5220895

Lender

Name	NEIGHBORHOOD MORTGAGE SOLUTION

Agreement

Amount	Amount Recorded
Term	180 Months
Due	Jan 1, 2040

November 2016: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EMMET MI
Property Address	7858 THUNDER TRL, PETOSKEY, MI 49770-7802
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	01190/0035
Date	Nov 11, 2016
Book Page	1190/0035
Instrument	5142904

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution
Address	DETROIT, MI 48226

Agreement

Amount	Amount Recorded
Term	217 Months
Due	Dec 1, 2034

March 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EMMET MI
Property Address	7858 THUNDER TRL, PETOSKEY, MI 49770-7802
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7858 THUNDER TRL, PETOSKEY, MI 49770-7802

Mortgage

Document Number	0000001265/0000000733
Date	Mar 10, 2025
Book Page	0000001265/0000000733
Instrument	5218762

Lender

Name	INTANDEM CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

March 2013: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EMMET MI
Property Address	7858 THUNDER TRL, PETOSKEY, MI 49770-7802
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7858 THUNDER TRL, PETOSKEY, MI 49770-7802

Mortgage

Document Number	001154/404
Date	Mar 13, 2013
Book Page	1154/404
Instrument	5107078

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution
Address	1050 WOODWARD AVE, DETROIT, MI 48226

Agreement

Amount	Amount Recorded
Term	240 Months
Due	Mar 1, 2033

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EMMET MI
Property Address	7858 THUNDER TRL, PETOSKEY, MI 49770-7802
Transaction Type	Mortgage
Record Updated	Dec 1, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	514 AMERICAS WAY, BOX ELDER, SD 57719-7600

Mortgage

Document Number	0005224262
Date	Nov 11, 2025
Instrument	5224262

Lender

Name	CREDIT UNION ONE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	350 Months
Due	Jan 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	5.37%
Type Change Date	Dec 1, 2020

March 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EMMET MI
Property Address	7858 THUNDER TRL, PETOSKEY, MI 49770-7802
Transaction Type	Mortgage
Record Updated	Dec 1, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7858 THUNDER TRL, PETOSKEY, MI 49770-7802

Mortgage

Document Number	0000001265/0000000733
Date	Mar 10, 2025
Book Page	0000001265/0000000733
Instrument	5218762

Lender

Name	INTANDEM CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

March 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EMMET MI
Property Address	7858 THUNDER TRL, PETOSKEY, MI 49770-7802
Transaction Type	Mortgage
Record Updated	Nov 24, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7858 THUNDER TRL, PETOSKEY, MI 49770-7802

Mortgage

Document Number	0000001265/0000000733
Date	Mar 10, 2025
Book Page	0000001265/0000000733
Instrument	5218762

Lender

Name	INTANDEM CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

November 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EMMET MI
Recording Date	Nov 11, 2025
Property Address	7858 THUNDER TRL, PETOSKEY, MI 49770-7802
Document Number	001271/225
Book / Page	1271 / 225
Instrument Date	Jul 7, 2025
Instrument	5224261
Transaction Type	Transfer
Record Updated	Apr 3, 2026
Title Company	CRISLO TITLE COMPANY, CISLO TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$66.65
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	514 AMERICAS WAY, BOX ELDER, SD 57719-7600

Mortgage

Document Number	0005224262
Date	Nov 11, 2025
Instrument	5224262

Lender

Name	CREDIT UNION ONE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	350 Months
Due	Jan 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	5.37%
Type Change Date	Dec 1, 2020

June 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EMMET MI
Recording Date	Jun 26, 2023
Property Address	7858 THUNDER TRL, PETOSKEY, MI 49770-7802
Document Number	0001253/27
Book / Page	1253 / 27
Instrument Date	Jun 21, 2023
Instrument	5206018
Transaction Type	Transfer
Record Updated	Jul 14, 2023

Transaction

Amount	Amount Recorded
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	7858 THUNDER TRL, PETOSKEY, MI 49770-7802

Mortgage

Document Number	0005206019
Date	Jun 26, 2023
Instrument	5206019

Lender

Name	FIRST COMMUNITY MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	355 Months
Due	Jan 1, 2053

Tax Assessment & Valuation

Source: Emmet County assessment roll, as of July 21, 2026

Property Jurisdictions

Type	Name
State	Michigan
County	Emmet County
County Subdivision	Springvale Township
Unified School District	Public Schools of Petoskey (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$386,200 (+13.66%) Land $19,400 Building $366,800	$772,400 (+13.66%) Land $38,800 Building $733,600
2025		$339,800 (+11.7%) Land $17,800 Building $322,000	$679,600 (+11.7%) Land $35,600 Building $644,000
2024	$9,675.00
2023		$304,200 Land $304,200	$608,400 Land $608,400

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 5 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Truestream Fiber	1,000 / 1,000
Spectrum Cable	1,000 / 35

Cell Coverage

4G LTE (outdoors only), no 5G reported

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