Emmet County property record for 807 Howard St, Petoskey, MI 49770
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,810 sqft · built 1910 |
| Lot Size | 0.127 acres (5,535 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $65,000 (Oct 1991) |
| Tax Bill | $3,892 (2024) |
| Deeds & Mortgages | Feb 2017 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 52-19-05-301-015 |
| Primary APN | 52-19-05-301-015 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 1,810 sqft Living Area |
| 1st Floor Area | 1,181 sqft |
| Basement Area | 826 sqft |
| Unfinished Basement | 826 sqft |
| Year Built | Built 1910 |
|---|---|
| Effective Year Built | Effective 1910 |
| Lot Area | 5,535 sqft (0.127 acres) |
| Garage Area | 300 sqft |
| Heating System | Forced Air with A/C |
|---|
| Street Address | 807 HOWARD ST |
|---|---|
| City | PETOSKEY |
| State | MI |
| Zip | 49770-3019 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | COP R-3 |
| Legal Description | BAZIEL PETOSKEY'S ADDITION THE S 1/2 OF LOT 12 & THE W 25' OF S 1/2 OF LOT 11 BLK 1 SECTION 5, T34N, R5W |
| Legal Range | 05W |
| Legal Township | 34N |
| Legal Section | 05 |
| Legal Subdivision | BAZIEL PETOSKEYS ADD |
| Legal Block | 1 |
| Legal Lot Number | 11-12 |
| Jurisdiction | EMMET MI |
| Township / Civil Division | PETOSKEY |
| Census Block Group | 2 |
| Census Block | 2014 |
| Census Tract | 970800 |
807 Howard St is owned and occupied by two individuals who bought it in October 1991.
Source: Emmet County records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 807 HOWARD ST, PETOSKEY, MI 49770-3019 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 1, 1991 · Amount on File |
| Deed Sale | Oct 1, 1991 · Amount on File |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | EMMET MI |
| Property Address | 807 HOWARD ST, PETOSKEY, MI 49770-3019 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 1192/0083 |
|---|---|
| Date | Feb 10, 2017 |
| Book Page | 1192/0083 |
| Instrument | 5144961 |
| Name | JPMORGAN CHASE BANK NA |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43240 |
| Amount | Amount on Record |
|---|---|
| Term | 301 Months |
| Due | Mar 1, 2042 |
Source: Emmet County assessment roll, as of July 21, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Emmet County |
| Municipality | Petoskey City |
| Unified School District | Public Schools of Petoskey (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $256,900 Land $256,900 | $513,800 Land $513,800 | |
| 2024 | $3,892.00 | ||
| 2023 | $176,100 Land $176,100 | $352,200 Land $352,200 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 807 Howard 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 risk around 807 Howard 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 508 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.
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