8382 Ridgeway Rd, Petoskey, MI 49770 Property Records

Emmet County property record for 8382 Ridgeway Rd, Petoskey, MI 49770

Property Summary

Property Type	Condominium
Lot Size	0.535 acres (23,306 sqft)
Owner	Individual Name on Record
Last Sale	$442,000 (Jun 2023)
Tax Bill	$5,457 (2024)
Deeds & Mortgages	Jun 2023 Sale & Mortgage May 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`14-20-04-225-148`

Property Details

APN / Parcel Number

Primary APN	`14-20-04-225-148`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Building Area	1,526 sqft Living Area
1st Floor Area	1,016 sqft
Basement Area	1,016 sqft
Unfinished Basement	1,016 sqft
Fireplaces	2 Fireplaces
Fireplace	Fireplace

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Architectural Style	Condo/Apartment
Lot Area	23,306 sqft
Garage Area	600 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	8382 RIDGEWAY RD
City	PETOSKEY
State	MI
Zip	49770-8666
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	EC FF-2
Legal Description	SILVER CREEK CONDO, UNIT 48.PLAN #180, SECTION 4, T34N, R4W
Legal Range	04W
Legal Township	34N
Legal Section	04
Legal Subdivision	SILVER CREEK CONDO
Legal Unit	48
Jurisdiction	EMMET MI
Township / Civil Division	SPRINGVALE
Census Block Group	4
Census Block	4003
Census Tract	970500

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	Individual Name on Record
Mailing Address	8382 RIDGEWAY RD, PETOSKEY, MI 49770-8666
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 27, 2023	Warranty Deed, Transfer · Conventional Mortgage INDEPENDENT BANK
May 25, 2021	Deed of Trust, Mortgage · Conventional Mortgage LAKE MICHIGAN CREDIT UNION
Nov 12, 2018	Deed of Trust, Mortgage · ARM LAKE MICHIGAN CREDIT UNION
Nov 12, 2018	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 27, 2023 · Amount on Record
Deed Sale	Jun 27, 2023 · Amount on Record
Prior Sale	Nov 12, 2018 · Amount on Record
Deed Document Number	20235206071
Deed Book / Page	1253 / 80
Record Updated	Oct 29, 2026

June 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EMMET MI
Recording Date	Jun 27, 2023
Property Address	8382 RIDGEWAY RD, PETOSKEY, MI 49770-8666
Document Number	0001253/80
Book / Page	1253 / 80
Instrument Date	Jun 8, 2023
Instrument	5206071
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 Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5917 TROYES RD, EAST LANSING, MI 48823-9230

Mortgage

Document Number	0005206072
Date	Jun 27, 2023
Instrument	5206072

Lender

Name	INDEPENDENT BANK

Agreement

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

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EMMET MI
Property Address	8382 RIDGEWAY RD, PETOSKEY, MI 49770-8666
Transaction Type	Mortgage
Record Updated	Jun 21, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8382 RIDGEWAY RD, PETOSKEY, MI 49770-8666

Mortgage

Document Number	0000001233/0000000448
Date	May 25, 2021
Book Page	0000001233/0000000448
Instrument	5186413

Lender

Name	LAKE MICHIGAN CREDIT UNION

Agreement

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

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EMMET MI
Property Address	8382 RIDGEWAY RD, PETOSKEY, MI 49770-8666
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000001208/0000000015
Date	Nov 12, 2018
Book Page	0000001208/0000000015
Instrument	000005160908

Lender

Name	LAKE MICHIGAN CREDIT UNION
Type	Credit Union

Agreement

Type	ARM
Amount	Amount Recorded
Term	350 Months
Due	Jan 1, 2048

Interest

Rate Type	Adjustable Rate

November 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EMMET MI
Recording Date	Nov 12, 2018
Property Address	8382 RIDGEWAY RD, PETOSKEY, MI 49770-8666
Document Number	1208/14
Book / Page	1208 / 14
Instrument Date	Nov 8, 2018
Instrument	000005160907
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	56488 KIRKRIDGE TRL, SHELBY TOWNSHIP, MI 48316-5097

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		$219,100 (+31.28%) Land $219,100	$438,200 (+31.28%) Land $438,200
2024	$5,457.00
2023		$166,900 Land $166,900	$333,800 Land $333,800

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 22 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 / 1,000

Cell Coverage

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

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