897 W Gruler Rd, Petoskey, MI 49770 Property Records

Emmet County property record for 897 W Gruler Rd, Petoskey, MI 49770

Property Summary

Property Type	Single Family Home
Lot Size	4.16 acres (181,210 sqft)
Owner	Individual Name on File
Last Sale	$150,000 (Jun 2016)
Tax Bill	$2,179 (2024)
Deeds & Mortgages	Sep 2023 Mortgage Oct 2019 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`01-19-31-200-026`

Property Details

APN / Parcel Number

Primary APN	`01-19-31-200-026`

Exterior

Lot Area	181,210 sqft (4.16 acres)

Location & Zoning

Street Address	897 W GRULER RD
City	PETOSKEY
State	MI
Zip	49770-9222
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	EC FF-1
Legal Description	PT OF GOV'T LOT 2 & E 1/2 OF NE 1/4 OF SECTION 31, COM AT NE COR OF SEC, TH ALG N LN OF SEC S89?54'27"W 1005.75 FT FOR POB
Legal Range	05W
Legal Township	34N
Legal Section	31
Legal Lot Number	2
Jurisdiction	EMMET MI
Township / Civil Division	BEAR CREEK
Census Block Group	2
Census Block	2020
Census Tract	970600

Owner

Source: Emmet County assessment roll, 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	Individual Name on File
Mailing Address	897 W GRULER RD, PETOSKEY, MI 49770-9222
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 22, 2023	Deed of Trust, Mortgage · Conventional Mortgage 4FRONT CREDIT UNION
Oct 15, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance PNC BANK NA
Jun 1, 2021	Deed of Trust, Mortgage · Conventional Mortgage CALIBER HOME LOANS

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jun 7, 2016 · Amount on Record
Deed Sale	Jun 7, 2016 · Amount on Record
Deed Document Number	20165138699
Deed Book / Page	1185 / 843
Prior Transfer Date	May 26, 2016
Prior Transfer Doc	01185/0843
Record Updated	Sep 20, 2026

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EMMET MI
Property Address	897 W GRULER RD, PETOSKEY, MI 49770-9222
Transaction Type	Mortgage
Record Updated	Oct 6, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	897 W GRULER RD, PETOSKEY, MI 49770-9222

Mortgage

Document Number	0000001254/0000000942
Date	Sep 22, 2023
Book Page	0000001254/0000000942
Instrument	5207933

Lender

Name	4FRONT CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	264 Months
Due	Jan 1, 2045

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EMMET MI
Property Address	897 W GRULER RD, PETOSKEY, MI 49770-9222
Transaction Type	Mortgage
Record Updated	Aug 12, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001216/34
Date	Oct 15, 2019
Book Page	1216/34
Instrument	5168955

Lender

Name	PNC BANK NA
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EMMET MI
Property Address	897 W GRULER RD, PETOSKEY, MI 49770-9222
Transaction Type	Mortgage
Record Updated	Aug 12, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	897 W GRULER RD, PETOSKEY, MI 49770-9222

Mortgage

Document Number	0000001233/0000000656
Date	Jun 1, 2021
Book Page	0000001233/0000000656
Instrument	5186621

Lender

Name	CALIBER HOME LOANS

Agreement

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

Tax Assessment & Valuation

Source: Emmet County assessment roll, as of July 21, 2026

Property Jurisdictions

Type	Name
State	Michigan
County	Emmet County
County Subdivision	Bear Creek Township
Unified School District	Public Schools of Petoskey (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$174,500 (+7.85%) Land $174,500	$349,000 (+7.85%) Land $349,000
2025		$161,800 (+34.27%) Land $161,800	$323,600 (+34.27%) Land $323,600
2024	$2,179.00
2023		$120,500 Land $120,500	$241,000 Land $241,000

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	Direct burnable vegetation at the parcel

Internet Providers

Source: FCC Broadband Data Collection, based on 38 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Great Lakes Energy Connections Fiber	1,000 / 1,000

May also be available: Spectrum.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on W Gruler Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures