804 E Lake St, Petoskey, MI 49770 Property Records

Emmet County property record for 804 E Lake St, Petoskey, MI 49770

Property Summary

Property Type	Single Family Home
Lot Size	0.309 acres (13,486 sqft)
Owner	Company Name on Record
Last Sale	$99,000 (Jun 2013)
Tax Bill	$5,638 (2024)
Deeds & Mortgages	Oct 2022 Transfer Oct 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`52-19-05-126-049`

Property Details

APN / Parcel Number

Primary APN	`52-19-05-126-049`

Interior

Bedrooms	8 Beds
Full Baths	2 Baths
Building Area	3,464 sqft Living Area
1st Floor Area	2,046 sqft
Basement Area	1,466 sqft
Unfinished Basement	1,466 sqft

Exterior

Lot Area	13,486 sqft (0.309 acres)
Garage Area	1,201 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	804 E LAKE ST
City	PETOSKEY
State	MI
Zip	49770-2527
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	COP R-2
Legal Description	SHAW & MCMILLAN'S 3RD ADD. LOTS 11 & 12 BLK 5 SECTION 5, T34N, R5W
Legal Range	05W
Legal Township	34N
Legal Section	05
Legal Subdivision	SHAW AND MCMILLANS THRID ADDITION
Legal Block	5
Legal Lot Number	11-12
Jurisdiction	EMMET MI
Township / Civil Division	PETOSKEY
Census Block Group	2
Census Block	2001
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	Company Name on Record
Mailing Address	804 E LAKE ST, PETOSKEY, MI 49770-2527
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Oct 4, 2022	Quit Claim Deed, Transfer Quitclaim
Oct 4, 2022	Quit Claim Deed, Transfer · Conventional Mortgage ST FRANCIS X FEDERAL CREDIT UNION
Nov 5, 2020	Deed of Trust, Mortgage · Conventional Mortgage AMERIFIRST FINANCIAL

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 24, 2013 · Amount on Record
Deed Sale	Jun 24, 2013 · Amount on Record
Prior Sale	Feb 25, 2010 · Amount on Record
Deed Document Number	20135110622
Deed Book / Page	1157 / 950
Last Transfer Date	Aug 3, 2022
Transfer Doc	001247/580
Record Updated	Oct 29, 2026

October 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	EMMET MI
Recording Date	Oct 4, 2022
Property Address	804 E LAKE ST, PETOSKEY, MI 49770-2527
Document Number	001247/582
Book / Page	1247 / 582
Instrument Date	Sep 23, 2022
Instrument	5200551
Transaction Type	Transfer
Record Updated	Nov 15, 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	804 E LAKE ST, PETOSKEY, MI 49770-2527

October 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	EMMET MI
Recording Date	Oct 4, 2022
Property Address	804 E LAKE ST, PETOSKEY, MI 49770-2527
Document Number	001247/580
Book / Page	1247 / 580
Instrument Date	Sep 23, 2022
Instrument	5200549
Transaction Type	Transfer
Record Updated	Oct 14, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	804 E LAKE ST, PETOSKEY, MI 49770-2527

Mortgage

Document Number	0005200550
Date	Oct 4, 2022
Instrument	5200550

Lender

Name	ST FRANCIS X FEDERAL CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	351 Months
Due	Jan 1, 2052

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EMMET MI
Property Address	804 E LAKE ST, PETOSKEY, MI 49770-2527
Transaction Type	Mortgage
Record Updated	Aug 12, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	804 E LAKE ST, PETOSKEY, MI 49770-2527

Mortgage

Document Number	0000001226/0000000867
Date	Nov 5, 2020
Book Page	0000001226/0000000867
Instrument	5179817

Lender

Name	AMERIFIRST FINANCIAL

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2050

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		$434,100 (+28.66%) Land $434,100	$868,200 (+28.66%) Land $868,200
2025		$337,400 (+22.07%) Land $337,400	$674,800 (+22.07%) Land $674,800
2024	$5,638.00
2023		$276,400 Land $276,400	$552,800 Land $552,800

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 94% of the US · lower than 85% of Michigan
Wildfire Likelihood	Under 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.

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 172 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: AT&T.

Cell Coverage

5G (outdoors only) and 4G LTE

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