8576 Ridgeway Rd, Petoskey, MI 49770 Property Records

Emmet County property record for 8576 Ridgeway Rd, Petoskey, MI 49770

Property Summary

Property Type	Condominium
Details	3 bd · 3 ba · 1,514 sqft · built 2005
Lot Size	0.55 acres (23,972 sqft)
Owner	2 Company Names on Record
Last Sale	$409,500 (Sep 2023)
Tax Bill	$7,973 (2024)
Deeds & Mortgages	Oct 2023 Transfer Sep 2023 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`14-20-04-225-132`

Property Details

APN / Parcel Number

Primary APN	`14-20-04-225-132`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Building Area	1,514 sqft Living Area
1st Floor Area	1,514 sqft
Basement Area	1,514 sqft
Unfinished Basement	1,514 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Architectural Style	Condo/Apartment
Lot Area	23,972 sqft
Garage Area	576 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	8576 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 32. SECTION 4, T34N, R4W
Legal Range	04W
Legal Township	34N
Legal Section	04
Legal Subdivision	SILVER CREEK CONDOMINIUM
Legal Unit	32
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	2 Company Names on Record
Mailing Address	11382 N FENTON RD, FENTON, MI 48430-9723
Owner Type	Company
Vesting	Life Estate

Deeds, Mortgages & Sale History

Date	Document
Oct 31, 2023	Quit Claim Deed, Transfer Quitclaim
Sep 20, 2023	Warranty Deed, Transfer TITLE RESOURCE AGENCY
Jan 28, 2020	Deed of Trust, Mortgage · Conventional Mortgage 4FRONT CREDIT UNION

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 20, 2023 · Amount on Record
Deed Sale	Sep 20, 2023 · Amount on Record
Prior Sale	Jul 31, 2012 · Amount on Record
Deed Document Number	20235207894
Deed Book / Page	1254 / 903
Last Transfer Date	Jan 14, 2025
Transfer Doc	001264/605
Record Updated	Oct 29, 2026

October 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	EMMET MI
Recording Date	Oct 31, 2023
Property Address	8576 RIDGEWAY RD, PETOSKEY, MI 49770-8670
Document Number	001255/796
Book / Page	1255 / 796
Instrument Date	Oct 30, 2023
Instrument	5208786
Transaction Type	Transfer
Record Updated	Nov 10, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11382 N FENTON RD, FENTON, MI 48430-9723

September 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EMMET MI
Recording Date	Sep 20, 2023
Property Address	8576 RIDGEWAY RD, PETOSKEY, MI 49770-8670
Document Number	001254/903
Book / Page	1254 / 903
Instrument Date	Sep 18, 2023
Instrument	5207894
Transaction Type	Transfer
Record Updated	Oct 6, 2023
Title Company	TITLE RESOURCE AGENCY

Transaction

Amount	Amount Recorded
Tax	$35.22
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11382 N FENTON RD, FENTON, MI 48430-9723

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EMMET MI
Property Address	8576 RIDGEWAY RD, PETOSKEY, MI 49770-8670
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8576 RIDGEWAY RD, PETOSKEY, MI 49770-8670

Mortgage

Document Number	0000001218/0000000882
Date	Jan 28, 2020
Book Page	0000001218/0000000882
Instrument	5171826

Lender

Name	4FRONT CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2050

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		$215,700 (+10.5%) Land $215,700	$431,400 (+10.5%) Land $431,400
2025		$195,200 (+31.27%) Land $195,200	$390,400 (+31.27%) Land $390,400
2024	$7,973.00
2023		$148,700 Land $148,700	$297,400 Land $297,400

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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