818 E Lake St, Petoskey, MI 49770 Property Records

Emmet County property record for 818 E Lake St, Petoskey, MI 49770

Property Summary

Property Type	Single Family Home
Lot Size	0.311 acres (13,562 sqft)
Owner	Company Name on Record
Last Sale	$480,000 (Aug 2020)
Tax Bill	$9,427 (2024)
Deeds & Mortgages	Aug 2023 Mortgage Dec 2022 Sale + 2 more
Flood Zone	Zone X (minimal risk)
APN	`52-19-05-126-051`

Property Details

APN / Parcel Number

Primary APN	`52-19-05-126-051`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Building Area	2,790 sqft Living Area
1st Floor Area	1,746 sqft
Basement Area	1,746 sqft
Unfinished Basement	1,746 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1916
Effective Year Built	Effective 1916
Lot Area	13,562 sqft (0.311 acres)
Garage Area	1,066 sqft

Location & Zoning

Street Address	818 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 7 & 8 BLK 5 SECTION 5, T34N, R5W
Legal Range	05W
Legal Township	34N
Legal Section	05
Legal Subdivision	SHAW AND MCMILLANS THIRD ADDITION
Legal Block	5
Legal Lot Number	7-8
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	818 E LAKE ST, PETOSKEY, MI 49770-2527
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Aug 1, 2023	Deed of Trust, Mortgage · Conventional Mortgage MERCANTILE BANK
Dec 9, 2022	Warranty Deed, Transfer
Mar 30, 2021	Deed of Trust, Mortgage · Conventional Mortgage FIFTH THIRD BANK
Aug 26, 2020	Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 26, 2020 · Amount on Record
Deed Sale	Aug 26, 2020 · Amount on Record
Prior Sale	Aug 7, 2014 · Amount on Record
Deed Document Number	20205177351
Deed Book / Page	1224 / 405
Last Transfer Date	Dec 5, 2022
Transfer Doc	00001249/5
Record Updated	Oct 29, 2026

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EMMET MI
Property Address	818 E LAKE ST, PETOSKEY, MI 49770-2527
Transaction Type	Mortgage
Record Updated	Aug 14, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	110 DENBAR RD, BLOOMFIELD HILLS, MI 48304-2731

Mortgage

Document Number	0000001253/0000000778
Date	Aug 1, 2023
Book Page	0000001253/0000000778
Instrument	5206770

Lender

Name	MERCANTILE BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Jan 1, 2033

December 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EMMET MI
Recording Date	Dec 9, 2022
Property Address	818 E LAKE ST, PETOSKEY, MI 49770-2527
Document Number	00001249/5
Book / Page	1249 / 5
Instrument Date	Dec 5, 2022
Instrument	5201974
Transaction Type	Transfer
Record Updated	Dec 16, 2022

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	110 DENBAR RD, BLOOMFIELD HILLS, MI 48304-2731

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EMMET MI
Property Address	818 E LAKE ST, PETOSKEY, MI 49770-2527
Transaction Type	Mortgage
Record Updated	Apr 26, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	110 DENBAR RD, BLOOMFIELD HILLS, MI 48304-2731

Mortgage

Document Number	0000001231/0000000459
Date	Mar 30, 2021
Book Page	0000001231/0000000459
Instrument	5184425

Lender

Name	FIFTH THIRD BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2051

August 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	EMMET MI
Recording Date	Aug 26, 2020
Property Address	818 E LAKE ST, PETOSKEY, MI 49770-2527
Document Number	1224/405
Book / Page	1224 / 405
Instrument Date	Aug 24, 2020
Instrument	5177351
Transaction Type	Transfer
Record Updated	Jun 22, 2021

Transaction

Amount	Amount Recorded
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	110 DENBAR RD, BLOOMFIELD HILLS, MI 48304-2731

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		$465,700 (+28.54%) Land $465,700	$931,400 (+28.54%) Land $931,400
2025		$362,300 (+49.96%) Land $362,300	$724,600 (+49.96%) Land $724,600
2024	$9,427.00
2023		$241,600 Land $241,600	$483,200 Land $483,200

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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