8695 Spring Ridge Dr, Petoskey, MI 49770 Property Records

Emmet County property record for 8695 Spring Ridge Dr, Petoskey, MI 49770

Property Summary

Property Type	Condominium
Details	2 ba · 1,601 sqft · built 2020
Lot Size	0.562 acres (24,520 sqft)
Owner	2 Individual Names on File
Last Sale	$815,000 (Aug 2026)
Tax Bill	$4,754 (2024)
Deeds & Mortgages	Aug 2026 Sale & Mortgage Aug 2026 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`14-20-04-225-220`

Property Details

APN / Parcel Number

Primary APN	`14-20-04-225-220`

Interior

Full Baths	2 Baths
Building Area	1,601 sqft Living Area
1st Floor Area	1,601 sqft
Basement Area	1,601 sqft
Unfinished Basement	1,601 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Architectural Style	Ranch
Lot Area	24,520 sqft
Garage Area	756 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	8695 SPRING RIDGE DR
City	PETOSKEY
State	MI
Zip	49770-8695
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	EC SR
Legal Description	SILVER CREEK CONDO, UNIT 120.SECTION 4 & PT 3, T34N R4W; PLAN #180
Legal Range	04W
Legal Township	34N
Legal Section	04
Legal Subdivision	SILVER CREEK CONDO
Legal Unit	120
Jurisdiction	EMMET MI
Township / Civil Division	SPRINGVALE
Census Block Group	4
Census Block	4003
Census Tract	970500

Owner

8695 Spring Ridge Dr, a condominium, is owned and occupied by two individuals who bought it in August 2026.

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

Owner of Record	2 Individual Names on File
Mailing Address	8695 SPRING RIDGE DR, PETOSKEY, MI 49770-8695
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Couple

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
Aug 5, 2026	Warranty Deed, Transfer · Conventional Mortgage MERCANTILE BANK
Aug 5, 2026	Warranty Deed, Transfer MERCANTILE BANK
Jul 26, 2022	Warranty Deed, Transfer
Feb 7, 2018	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 5, 2026 · Amount on File
Deed Sale	Aug 5, 2026 · Amount on File
Prior Sale	Jul 26, 2022
Deed Document Number	20265229981
Deed Book / Page	1276 / 927
Transfer Doc	001245/833
Record Updated	Oct 29, 2026

August 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EMMET MI
Recording Date	Aug 5, 2026
Property Address	8695 SPRING RIDGE DR, PETOSKEY, MI 49770-8695
Document Number	0005229981
Book / Page	1276 / 927
Instrument Date	Jul 30, 2026
Instrument	20265229981
Transaction Type	Transfer
Record Updated	Aug 17, 2026

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8695 SPRING RIDGE DR, PETOSKEY, MI 49770-8695

Mortgage

Document Number	0005229982,
Date	Aug 5, 2026
Book Page	1276/928
Instrument	20265229982

Lender

Name	MERCANTILE BANK

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2056

Interest

Rate	6.43%
Max Rate	-1%

August 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EMMET MI
Recording Date	Aug 5, 2026
Property Address	8695 SPRING RIDGE DR, PETOSKEY, MI 49770-8695
Document Number	0005229981
Book / Page	1276 / 927
Instrument Date	Jul 30, 2026
Instrument	20265229981
Transaction Type	Transfer
Record Updated	Aug 26, 2026
Title Company	CISLO TITLE, CISLO TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$90,546.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8695 SPRING RIDGE DR, PETOSKEY, MI 49770-8695

Mortgage

Document Number	0005229982,
Date	Aug 5, 2026
Book Page	1276/928
Instrument	20265229982

Lender

Name	MERCANTILE BANK

Agreement

Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2056

Interest

Max Rate	-1%

July 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EMMET MI
Recording Date	Jul 26, 2022
Property Address	8695 SPRING RIDGE DR, PETOSKEY, MI 49770-8695
Document Number	001245/833
Book / Page	1245 / 833
Instrument Date	Jul 22, 2022
Instrument	5198803
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	8695 SPRING RIDGE DR, PETOSKEY, MI 49770-8695

February 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EMMET MI
Recording Date	Feb 7, 2018
Property Address	8695 SPRING RIDGE DR, PETOSKEY, MI 49770-8695
Document Number	1201/150
Book / Page	1201 / 150
Instrument Date	Jan 29, 2018
Instrument	000005154048
Transaction Type	Transfer
Record Updated	Jun 22, 2021

Transaction

Amount	Amount on Record
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	2357 BELLMER RD, PETOSKEY, MI 49770-9334

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		$280,700 (+5.53%) Land $280,700	$561,400 (+5.53%) Land $561,400
2025		$266,000 Land $266,000	$532,000 Land $532,000
2024	$4,754.00
2023		$202,800 Land $202,800	$405,600 Land $405,600

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 8695 Spring Ridge Dr 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 8695 Spring Ridge Dr 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	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 22 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 / 1,000

Cell Coverage

4G LTE (outdoors only), no 5G reported

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