8515 Ridgeway Rd, Petoskey, MI 49770 Property Records

Emmet County property record for 8515 Ridgeway Rd, Petoskey, MI 49770

Property Summary

Property Type	Condominium
Details	3 ba · 1,579 sqft · built 2003
Lot Size	0.617 acres (26,906 sqft)
Owner	2 Individual Names on Record
Last Sale	$266,500 (Aug 2019)
Tax Bill	$3,964 (2024)
Deeds & Mortgages	Nov 2021 Mortgage Aug 2019 Sale & Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`14-20-04-225-109`

Property Details

APN / Parcel Number

Primary APN	`14-20-04-225-109`

Interior

Full Baths	3 Baths
Building Area	1,579 sqft Living Area
1st Floor Area	1,579 sqft
Basement Area	1,579 sqft
Unfinished Basement	1,579 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Architectural Style	Condo/Apartment
Lot Area	26,906 sqft
Garage Area	624 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	8515 RIDGEWAY RD
City	PETOSKEY
State	MI
Zip	49770-8670
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	EC SR
Legal Description	SILVER CREEK CONDO, PLAN #180, UNIT 9. SECTION 4, T34N, R4W
Legal Range	04W
Legal Township	34N
Legal Section	04
Legal Subdivision	SILVER CREEK CONDO
Legal Unit	9
Jurisdiction	EMMET MI
Township / Civil Division	SPRINGVALE
Census Block Group	4
Census Block	4004
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	2 Individual Names on Record
Mailing Address	8515 RIDGEWAY RD, PETOSKEY, MI 49770-8670
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 29, 2021	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE
Aug 6, 2019	Warranty Deed, Transfer · Line of Credit QUICKEN LOANS INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 6, 2019 · Amount on Record
Deed Sale	Aug 6, 2019 · Amount on Record
Prior Sale	Jan 20, 2004 · Amount on Record
Deed Document Number	20195166909
Deed Book / Page	1213 / 989
Record Updated	Oct 29, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EMMET MI
Property Address	8515 RIDGEWAY RD, PETOSKEY, MI 49770-8670
Transaction Type	Mortgage
Record Updated	Dec 27, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8515 RIDGEWAY RD, PETOSKEY, MI 49770-8670

Mortgage

Document Number	0000001239/0000000434
Date	Nov 29, 2021
Book Page	0000001239/0000000434
Instrument	5192395

Lender

Name	ROCKET MORTGAGE

Agreement

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

August 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EMMET MI
Recording Date	Aug 6, 2019
Property Address	8515 RIDGEWAY RD, PETOSKEY, MI 49770-8670
Document Number	1213/989
Book / Page	1213 / 989
Instrument Date	Jul 30, 2019
Instrument	5166909
Transaction Type	Transfer
Record Updated	Jun 22, 2021
Title Company	E-CHICAGO TITLE, CHICAGO TITLE

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	8515 RIDGEWAY RD, PETOSKEY, MI 49770-8670

Mortgage

Document Number	5166910
Date	Aug 6, 2019
Instrument	5166910

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution

Agreement

Type	Line of Credit
Amount	Amount Recorded

Mortgage

Document Number	1213/989
Date	Aug 6, 2019
Book Page	1213/989
Instrument	5166909

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2049

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		$235,300 (+38.57%) Land $235,300	$470,600 (+38.57%) Land $470,600
2024	$3,964.00
2023		$169,800 Land $169,800	$339,600 Land $339,600

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

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 71 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 / 50

Cell Coverage

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

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