8438 Ridgeway Rd, Petoskey, MI 49770 Property Records

Emmet County property record for 8438 Ridgeway Rd, Petoskey, MI 49770

Property Summary

Property Type	Condominium
Owner	Individual Name on File
Last Sale	$178,000 (Oct 2009)
Tax Bill	$2,531 (2024)
Deeds & Mortgages	Jun 2023 Mortgage Jun 2023 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`14-20-04-225-144`

Property Details

APN / Parcel Number

Primary APN	`14-20-04-225-144`

Exterior

Architectural Style	Condo/Apartment

Location & Zoning

Street Address	8438 RIDGEWAY RD
City	PETOSKEY
State	MI
Zip	49770-8673
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	EC FF-2
Legal Description	SILVER CREEK CONDO, UNIT 44.PLAN #180, SECTION 4, T34N, R4W
Legal Range	04W
Legal Township	34N
Legal Section	04
Legal Subdivision	SILVER CREEK
Legal Unit	44
Jurisdiction	EMMET MI
Township / Civil Division	SPRINGVALE
Census Block Group	4
Census Block	4003
Census Tract	970500

Owner

Source: Emmet County records · APN 14-20-04-225-144

Assessment roll updated July 21, 2026 · Last verified July 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 File
Mailing Address	8438 RIDGEWAY RD, PETOSKEY, MI 49770-8673
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 13, 2023	Deed of Trust, Mortgage · Conventional Mortgage 4FRONT CREDIT UNION
Jun 13, 2023	Quit Claim Deed, Transfer Quitclaim
Apr 29, 2021	Deed of Trust, Mortgage · Conventional Mortgage 4FRONT CREDIT UNION

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Oct 06, 2009 · Amount on Record
Deed Sale	Oct 06, 2009 · Amount on Record
Prior Sale	Nov 03, 2004 · Amount on Record
Deed Book / Page	1117 / 389
Last Transfer Date	Jun 02, 2023
Transfer Doc	001252/761
Record Updated	Sep 20, 2026

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EMMET MI
Property Address	8438 RIDGEWAY RD, PETOSKEY, MI 49770-8673
Transaction Type	Mortgage
Record Updated	Jun 30, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8438 RIDGEWAY RD, PETOSKEY, MI 49770-8673

Mortgage

Document Number	0000001252/0000000760
Date	Jun 13, 2023
Book Page	0000001252/0000000760
Instrument	5205750

Lender

Name	4FRONT CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 01, 2053

June 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	EMMET MI
Recording Date	Jun 13, 2023
Property Address	8438 RIDGEWAY RD, PETOSKEY, MI 49770-8673
Document Number	001252/761
Book / Page	1252 / 761
Instrument Date	Jun 02, 2023
Instrument	5205751
Transaction Type	Transfer
Record Updated	Jun 23, 2023

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	8438 RIDGEWAY RD, PETOSKEY, MI 49770-8673

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EMMET MI
Property Address	8438 RIDGEWAY RD, PETOSKEY, MI 49770-8673
Transaction Type	Mortgage
Record Updated	Aug 12, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8438 RIDGEWAY RD, PETOSKEY, MI 49770-8673

Mortgage

Document Number	0000001232/0000000626
Date	Apr 29, 2021
Book Page	0000001232/0000000626
Instrument	5185591

Lender

Name	4FRONT CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jan 01, 2036

Tax Assessment & Valuation

Source: Emmet County records · Assessment roll updated July 21, 2026 · Last verified July 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

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$199,400 (+6.52%) Land $199,400	$398,800 (+6.52%) Land $398,800
2025		$187,200 (+30.91%) Land $187,200	$374,400 (+30.91%) Land $374,400
2024	$2,531.00
2023		$143,000 Land $143,000	$286,000 Land $286,000

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of May 31, 2022 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Wildfire

Wildfire Risk	Low lower than 80% of the US · above 51% of Michigan
Wildfire Likelihood	0.01% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Values are read at the parcel center point; lenders make the official flood determination.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Great Lakes Energy Connections Fiber	1,000 / 1,000
Spectrum Cable	1,000 / 1,000

Based on FCC filings for 22 locations within half a mile of this property.

Cell Coverage

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

Nearby Properties on Ridgeway Rd

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