8605 Ridgeway Rd, Petoskey, MI 49770 Property Records

Emmet County property record for 8605 Ridgeway Rd, Petoskey, MI 49770

Property Summary

Property Type	Condominium
Details	3 bd · 3 ba · 1,832 sqft · built 2000
Lot Size	0.692 acres (30,185 sqft)
Owner	2 Individual Names on Record
Last Sale	$225,000 (Oct 2018)
Tax Bill	$3,495 (2024)
Deeds & Mortgages	Nov 2019 Mortgage Oct 2018 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`14-20-04-225-178`

Property Details

APN / Parcel Number

Primary APN	`14-20-04-225-178`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Building Area	1,832 sqft Living Area
1st Floor Area	1,832 sqft
Basement Area	1,856 sqft
Unfinished Basement	1,856 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
Architectural Style	Condo/Apartment
Lot Area	30,185 sqft
Garage Area	728 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	8605 RIDGEWAY RD
City	PETOSKEY
State	MI
Zip	49770-8664
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	EC SR
Legal Description	SILVER CREEK CONDO, PLAN #180, UNIT 78. SECTION 4, T34N, R4W
Legal Range	04W
Legal Township	34N
Legal Section	04
Legal Subdivision	SILVER CREEK CONDOMINIUM
Legal Unit	78
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	8605 RIDGEWAY RD, PETOSKEY, MI 49770-8664
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants in Common

Deeds, Mortgages & Sale History

Date	Document
Nov 11, 2019	Deed of Trust, Mortgage CHEMICAL BANK
Oct 24, 2018	Deed of Trust, Mortgage CHEMICAL BANK
Oct 24, 2018	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 24, 2018 · Amount on Record
Deed Sale	Oct 24, 2018 · Amount on Record
Prior Sale	Jul 13, 2015 · Amount on Record
Deed Document Number	20185160412
Deed Book / Page	1207 / 518
Last Transfer Date	Jul 14, 2025
Transfer Doc	001268/434
Record Updated	Oct 29, 2026

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EMMET MI
Property Address	8605 RIDGEWAY RD, PETOSKEY, MI 49770-8664
Transaction Type	Mortgage
Record Updated	May 26, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000001216/0000000809
Date	Nov 11, 2019
Book Page	0000001216/0000000809
Instrument	5169730

Lender

Name	CHEMICAL BANK

Agreement

Amount	Amount Recorded
Term	350 Months
Due	Jan 1, 2049

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EMMET MI
Property Address	8605 RIDGEWAY RD, PETOSKEY, MI 49770-8664
Transaction Type	Mortgage
Record Updated	Nov 15, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000001207/0000000519
Date	Oct 24, 2018
Book Page	0000001207/0000000519
Instrument	000005160413

Lender

Name	CHEMICAL BANK
Type	Bank

Agreement

Amount	Amount Recorded
Term	351 Months
Due	Jan 1, 2048

October 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EMMET MI
Recording Date	Oct 24, 2018
Property Address	8605 RIDGEWAY RD, PETOSKEY, MI 49770-8664
Document Number	1207/518
Book / Page	1207 / 518
Instrument Date	Oct 19, 2018
Instrument	000005160412
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	1048 OWEN DR, PETOSKEY, MI 49770-8884

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		$241,300 (+6.96%) Land $241,300	$482,600 (+6.96%) Land $482,600
2025		$225,600 (+50.7%) Land $225,600	$451,200 (+50.7%) Land $451,200
2024	$3,495.00
2023		$149,700 Land $149,700	$299,400 Land $299,400

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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