8674 Ridgeway Rd, Petoskey, MI 49770 Property Records

Emmet County property record for 8674 Ridgeway Rd, Petoskey, MI 49770

Property Summary

Property Type	Condominium
Details	2 ba · 2,173 sqft · built 2001
Lot Size	0.707 acres (30,799 sqft)
Owner	2 Company Names on File
Tax Bill	$2,437 (2024)
Deeds & Mortgages	Oct 2025 Mortgage Oct 2025 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`14-20-04-225-161`

Property Details

APN / Parcel Number

Primary APN	`14-20-04-225-161`

Interior

Full Baths	2 Baths
Building Area	2,173 sqft Living Area
1st Floor Area	1,473 sqft
Basement Area	1,400 sqft
Unfinished Basement	1,400 sqft

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Architectural Style	Condo/Apartment
Lot Area	30,799 sqft
Garage Area	672 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	8674 RIDGEWAY RD
City	PETOSKEY
State	MI
Zip	49770-8664
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	EC FF-1
Legal Description	SILVER CREEK CONDO, PLAN #180, UNIT 61. SECTION 4, T34N, R4W
Legal Range	04W
Legal Township	34N
Legal Section	04
Legal Subdivision	SILVER CREEK CONDO
Legal Unit	61
Jurisdiction	EMMET MI
Township / Civil Division	SPRINGVALE
Census Block Group	4
Census Block	4003
Census Tract	970500

Owner

8674 Ridgeway Rd, a condominium, is owned by a company that acquired it in February 2022 and is owner-occupied.

Source: Emmet County records, as of October 20, 2026

Owner of Record	2 Company Names on File
Mailing Address	8674 RIDGEWAY RD, PETOSKEY, MI 49770-8664
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Life Estate

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Oct 9, 2025	Deed of Trust, Mortgage · Conventional Mortgage NATION STAR MORTGAGE
Oct 9, 2025	Deed of Trust, Mortgage · Conventional Mortgage NATION STAR MORTGAGE
Mar 25, 2022	Warranty Deed, Transfer
Mar 23, 2021	Deed of Trust, Mortgage · Conventional Mortgage HOME POINT FINANCIAL
Aug 28, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance HOME POINT FINANCIAL CORPORATION

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 16, 2003
Deed Sale	Feb 16, 2003
Prior Sale	Apr 11, 2001 · Amount on File
Deed Book / Page	939 / 402
Last Transfer Date	Feb 10, 2022
Transfer Doc	001242/803
Record Updated	Oct 29, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EMMET MI
Property Address	8674 RIDGEWAY RD, PETOSKEY, MI 49770-8664
Transaction Type	Mortgage
Record Updated	Oct 28, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8674 RIDGEWAY RD, PETOSKEY, MI 49770-8664

Mortgage

Document Number	0000001270/0000000446
Date	Oct 9, 2025
Book Page	0000001270/0000000446
Instrument	5223477

Lender

Name	NATION STAR MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2055

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EMMET MI
Property Address	8674 RIDGEWAY RD, PETOSKEY, MI 49770-8664
Transaction Type	Mortgage
Record Updated	Oct 20, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8674 RIDGEWAY RD, PETOSKEY, MI 49770-8664

Mortgage

Document Number	0000001270/0000000446
Date	Oct 9, 2025
Book Page	0000001270/0000000446
Instrument	5223477

Lender

Name	NATION STAR MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2055

March 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EMMET MI
Recording Date	Mar 25, 2022
Property Address	8674 RIDGEWAY RD, PETOSKEY, MI 49770-8664
Document Number	001242/803
Book / Page	1242 / 803
Instrument Date	Feb 10, 2022
Instrument	5195776
Transaction Type	Transfer
Record Updated	Nov 15, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8674 RIDGEWAY RD, PETOSKEY, MI 49770-8664

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EMMET MI
Property Address	8674 RIDGEWAY RD, PETOSKEY, MI 49770-8664
Transaction Type	Mortgage
Record Updated	Apr 19, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8674 RIDGEWAY RD, PETOSKEY, MI 49770-8664

Mortgage

Document Number	0000001231/0000000237
Date	Mar 23, 2021
Book Page	0000001231/0000000237
Instrument	5184203

Lender

Name	HOME POINT FINANCIAL

Agreement

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

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EMMET MI
Property Address	8674 RIDGEWAY RD, PETOSKEY, MI 49770-8664
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1214/686
Date	Aug 28, 2019
Book Page	1214/686
Instrument	5167605

Lender

Name	HOME POINT FINANCIAL CORPORATION
Type	Government Agency

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
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		$200,500 (+10.96%) Land $200,500	$401,000 (+10.96%) Land $401,000
2025		$180,700 Land $180,700	$361,400 Land $361,400
2024	$2,437.00
2023		$137,800 Land $137,800	$275,600 Land $275,600

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 8674 Ridgeway Rd in Zone X, an area of minimal flood risk.

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

Wildfire risk around 8674 Ridgeway Rd is low, with a 0.01% annual chance of 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	Direct burnable vegetation

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

5G and 4G LTE (outdoors only)

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