8555 Ridgeway Rd, Petoskey, MI 49770 Property Records

Emmet County property record for 8555 Ridgeway Rd, Petoskey, MI 49770

Property Summary

Property Type	Condominium
Details	2 ba · 1,482 sqft · built 2025
Lot Size	0.66 acres (28,751 sqft)
Owner	2 Individual Names on Record
Last Sale	$54,000 (Mar 2025)
Tax Bill	$420 (2024)
Deeds & Mortgages	Mar 2026 Mortgage Mar 2026 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`14-20-04-225-175`

Property Details

APN / Parcel Number

Primary APN	`14-20-04-225-175`

Interior

Full Baths	2 Baths
Building Area	1,482 sqft Living Area
1st Floor Area	1,482 sqft

Exterior

Year Built	Built 2025
Effective Year Built	Effective 2025
Architectural Style	Condo/Apartment
Lot Area	28,751 sqft
Garage Area	564 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	8555 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 75. SECTION 4, T34N, R4W
Legal Range	04W
Legal Township	34N
Legal Section	04
Legal Subdivision	SILVER CREEK CONDOMINIUM
Legal Unit	75
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 are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	8555 RIDGEWAY RD, PETOSKEY, MI 49770-8670
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Mar 27, 2026	Deed of Trust, Mortgage · Conventional Mortgage ST FRANCIS X FEDERAL CREDIT UNION
Mar 27, 2026	Deed of Trust, Mortgage · Conventional Mortgage ST FRANCIS X FEDERAL CREDIT UNION
Mar 27, 2026	Deed of Trust, Mortgage · Conventional Mortgage ST FRANCIS X FEDERAL CREDIT UNION
Mar 27, 2026	Deed of Trust, Mortgage · Conventional Mortgage ST FRANCIS X FEDERAL CREDIT UNION
Sep 17, 2020	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 17, 2025 · Amount on Record
Deed Sale	Mar 17, 2025 · Amount on Record
Prior Sale	Sep 17, 2020 · Amount on Record
Deed Document Number	20255218923
Deed Book / Page	1265 / 894
Record Updated	Oct 29, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EMMET MI
Property Address	8555 RIDGEWAY RD, PETOSKEY, MI 49770-8670
Transaction Type	Mortgage
Record Updated	Apr 14, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2076 E MITCHELL RD, PETOSKEY, MI 49770-9038

Mortgage

Document Number	0000001274/0000000165
Date	Mar 27, 2026
Book Page	0000001274/0000000165
Instrument	5227214

Lender

Name	ST FRANCIS X FEDERAL CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2056

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EMMET MI
Property Address	8555 RIDGEWAY RD, PETOSKEY, MI 49770-8670
Transaction Type	Mortgage
Record Updated	Apr 14, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2076 E MITCHELL RD, PETOSKEY, MI 49770-9038

Mortgage

Document Number	0000001274/0000000166
Date	Mar 27, 2026
Book Page	0000001274/0000000166
Instrument	5227215

Lender

Name	ST FRANCIS X FEDERAL CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2056

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EMMET MI
Property Address	8555 RIDGEWAY RD, PETOSKEY, MI 49770-8670
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2076 E MITCHELL RD, PETOSKEY, MI 49770-9038

Mortgage

Document Number	0000001274/0000000165
Date	Mar 27, 2026
Book Page	0000001274/0000000165
Instrument	5227214

Lender

Name	ST FRANCIS X FEDERAL CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2056

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EMMET MI
Property Address	8555 RIDGEWAY RD, PETOSKEY, MI 49770-8670
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2076 E MITCHELL RD, PETOSKEY, MI 49770-9038

Mortgage

Document Number	0000001274/0000000166
Date	Mar 27, 2026
Book Page	0000001274/0000000166
Instrument	5227215

Lender

Name	ST FRANCIS X FEDERAL CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2056

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EMMET MI
Recording Date	Sep 17, 2020
Property Address	8555 RIDGEWAY RD, PETOSKEY, MI 49770-8670
Document Number	1225/212
Book / Page	1225 / 212
Instrument Date	Sep 4, 2020
Instrument	5178162
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	3580 FLYNN DR, PETOSKEY, MI 49770-8624

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		$183,000 (+878.61%) Land $183,000	$366,000 (+878.61%) Land $366,000
2025		$18,700 (+36.5%) Land $18,700	$37,400 (+36.5%) Land $37,400
2024	$420.00
2023		$13,700 Land $13,700	$27,400 Land $27,400

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	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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