Emmet County property record for 861 Bear River Rd, Petoskey, MI 49770
| Property Type | Single Family Home |
|---|---|
| Lot Size | 20 acres (871,200 sqft) |
| Owner | Company Name on Record |
| Tax Bill | $3,270 (2024) |
| Deeds & Mortgages | Apr 2023 Mortgage Apr 2023 Transfer + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 01-19-32-300-011 |
| Primary APN | 01-19-32-300-011 |
|---|
| Lot Area | 871,200 sqft (20 acres) |
|---|
| Street Address | 861 BEAR RIVER RD |
|---|---|
| City | PETOSKEY |
| State | MI |
| Zip | 49770-9511 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | EC FF-1 |
| Legal Description | E 1/2 OF SW 1/4 OF SW 1/4. 20 A. SECTION 32, T34N, R5W |
| Legal Range | 05W |
| Legal Township | 34N |
| Legal Section | 32 |
| Jurisdiction | EMMET MI |
| Township / Civil Division | BEAR CREEK |
| Census Block Group | 1 |
| Census Block | 1052 |
| Census Tract | 970600 |
Source: Emmet County records, as of July 21, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Company Name on Record |
|---|---|
| Mailing Address | 861 BEAR RIVER RD, PETOSKEY, MI 49770-9511 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust, Family Trust |
| Date | Document |
|---|---|
| Apr 10, 2023 | Deed of Trust, Mortgage · Conventional Mortgage 4FRONT CREDIT UNION |
| Apr 5, 2023 | Quit Claim Deed, Transfer Quitclaim |
| Apr 29, 2020 | Deed of Trust, Mortgage · Conventional Mortgage 4FRONT CREDIT UNION |
| Deed Names | Name on Deed |
|---|---|
| Last Transfer Date | Mar 21, 2023 |
| Transfer Doc | 001251/407 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | EMMET MI |
| Property Address | 861 BEAR RIVER RD, PETOSKEY, MI 49770-9511 |
| Transaction Type | Mortgage |
| Record Updated | May 8, 2023 |
| Name | Verified Name |
|---|---|
| Address | 861 BEAR RIVER RD, PETOSKEY, MI 49770-9511 |
| Document Number | 0000001251/0000000486 |
|---|---|
| Date | Apr 10, 2023 |
| Book Page | 0000001251/0000000486 |
| Instrument | 5204472 |
| Name | 4FRONT CREDIT UNION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 264 Months |
| Due | Jan 1, 2045 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | EMMET MI |
| Recording Date | Apr 5, 2023 |
| Property Address | 861 BEAR RIVER RD, PETOSKEY, MI 49770-9511 |
| Document Number | 001251/407 |
| Book / Page | 1251 / 407 |
| Instrument Date | Mar 21, 2023 |
| Instrument | 5204393 |
| Transaction Type | Transfer |
| Record Updated | Apr 18, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 861 BEAR RIVER RD, PETOSKEY, MI 49770-9511 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | EMMET MI |
| Property Address | 861 BEAR RIVER RD, PETOSKEY, MI 49770-9511 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|---|
| Address | 861 BEAR RIVER RD, PETOSKEY, MI 49770-9511 |
| Document Number | 0000001221/0000000149 |
|---|---|
| Date | Apr 29, 2020 |
| Book Page | 0000001221/0000000149 |
| Instrument | 5174092 |
| Name | 4FRONT CREDIT UNION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Jan 1, 2030 |
Source: Emmet County assessment roll, as of July 21, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Emmet County |
| County Subdivision | Bear Creek Township |
| Unified School District | Public Schools of Petoskey (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $302,000 (+7.09%) Land $302,000 | $604,000 (+7.09%) Land $604,000 | |
| 2025 | $282,000 (+35.12%) Land $282,000 | $564,000 (+35.12%) Land $564,000 | |
| 2024 | $3,270.00 | ||
| 2023 | $208,700 Land $208,700 | $417,400 Land $417,400 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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 | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 21 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| Starlink Satellite | 280 / 30 |
May also be available: T-Mobile.
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