820 Maple Leaf Ln, Apt 20, Petoskey, MI 49770 Property Records

Emmet County property record for 820 Maple Leaf Ln, Apt 20, Petoskey, MI 49770

Property Summary

Property Type	Condominium
Lot Size	0.018 acres (790 sqft)
Owner	2 Individual Names on Record
Last Sale	$230,750 (Jan 2012)
Tax Bill	$7,516 (2024)
Deeds & Mortgages	Sep 2026 Line of Credit Sep 2026 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`52-19-06-355-120`

Property Details

APN / Parcel Number

Primary APN	`52-19-06-355-120`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Units	11 Units
Building Area	1,584 sqft Living Area
1st Floor Area	1,584 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Architectural Style	Condo/Apartment
Lot Area	790 sqft
Garage Area	517 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	820 MAPLE LEAF LN, 20
City	PETOSKEY
State	MI
Zip	49770-9062
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	COP PUD
Legal Description	HARBOR WATCH CONDO PLAN #213, UNIT 20. SECTION 6, T34N R5W
Legal Range	05W
Legal Township	34N
Legal Section	06
Legal Subdivision	HARBOR WATCH
Jurisdiction	EMMET MI
Township / Civil Division	PETOSKEY
Census Block Group	1
Census Block	1041
Census Tract	970800

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	2 Individual Names on Record
Mailing Address	3731 EATON GATE LN, AUBURN HILLS, MI 48326-3893
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 3, 2026	Deed of Trust · Line of Credit INDEPENDENT BANK
Sep 3, 2026	Deed of Trust, Mortgage · Conventional Mortgage INDEPENDENT BANK
Jul 22, 2021	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 3, 2012 · Amount on Record
Deed Sale	Jan 3, 2012 · Amount on Record
Prior Sale	Apr 26, 2010
Deed Book / Page	1140 / 876
Record Updated	Oct 29, 2026

September 2026: Deed of Trust

Document Type	Deed of Trust
Jurisdiction	EMMET MI
Recording Date	Sep 3, 2026
Property Address	820 MAPLE LEAF LN, 20, PETOSKEY, MI 49770-9062
Document Number	0005230686
Book / Page	1277 / 633
Instrument Date	Aug 27, 2026
Instrument	20265230686
Record Updated	Oct 1, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	820 MAPLE LEAF LN, 20, PETOSKEY, MI 49770-9062

Mortgage

Document Number	0005230686,
Date	Sep 3, 2026
Book Page	1277/633
Instrument	20265230686

Lender

Name	INDEPENDENT BANK

Agreement

Type	Line of Credit

Interest

Max Rate	-1%

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EMMET MI
Recording Date	Sep 3, 2026
Property Address	820 MAPLE LEAF LN, 20, PETOSKEY, MI 49770-9062
Document Number	0005230686
Book / Page	1277 / 633
Instrument Date	Aug 27, 2026
Instrument	20265230686
Transaction Type	Mortgage
Record Updated	Sep 14, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	820 MAPLE LEAF LN, PETOSKEY, MI 49770-7710

Mortgage

Document Number	0005230686,
Date	Sep 3, 2026
Book Page	1277/633
Instrument	20265230686

Lender

Name	INDEPENDENT BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months

Interest

Max Rate	-1%

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EMMET MI
Recording Date	Jul 22, 2021
Property Address	820 MAPLE LEAF LN APT 20, 20, PETOSKEY, MI 49770-9062
Document Number	1235/381
Book / Page	1235 / 381
Instrument Date	Jul 13, 2021
Instrument	5188344
Transaction Type	Transfer
Record Updated	Aug 9, 2021

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	3731 EATON GATE LN, AUBURN HILLS, MI 48326-3893

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		$283,800 (+108.83%) Land $283,800	$567,600 (+108.83%) Land $567,600
2024	$7,516.00
2023		$135,900 Land $135,900	$271,800 Land $271,800

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 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 13 policies
Nearby Flood Policies	13 in force

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; 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 96% of the US · lower than 91% of Michigan
Wildfire Likelihood	Under 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.

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

Provider	Max Down / Up (Mbps)
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30

May also be available: AT&T, Spectrum, T-Mobile.

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