901 State St, Petoskey, MI 49770 Property Records

Emmet County property record for 901 State St, Petoskey, MI 49770

Property Summary

Property Type	Single Family Home
Lot Size	0.174 acres (7,612 sqft)
Owner	2 Individual Names on Record
Last Sale	$139,000 (Aug 1998)
Tax Bill	$2,788 (2024)
Deeds & Mortgages	Dec 2025 Mortgage Aug 2019 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`52-19-05-100-075`

Property Details

APN / Parcel Number

Primary APN	`52-19-05-100-075`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,461 sqft Living Area
1st Floor Area	954 sqft
Basement Area	676 sqft
Unfinished Basement	676 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Lot Area	7,612 sqft (0.174 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	901 STATE ST
City	PETOSKEY
State	MI
Zip	49770-2756
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	COP R-2
Legal Description	COM 727 FT S & 433 FT W OF NE COR OF SE ? OF NW ? OF SECTION 5, TH N 150 FT, TH E 50 FT, TH S 150 FT, TH W 50 FT TO POC. SECTION 5, T34N, R5W.
Legal Range	05W
Legal Township	34N
Legal Section	05
Jurisdiction	EMMET MI
Township / Civil Division	PETOSKEY
Census Block Group	2
Census Block	2010
Census Tract	970700

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the East Mitchell Street Historic District listed 1986 · 284 contributing resources · NRIS 86001983

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

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	901 STATE ST, PETOSKEY, MI 49770-2756
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 1, 2025	Deed of Trust, Mortgage · Conventional Mortgage MERCANTILE BANK
Aug 29, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance CHEMICAL BANK
Apr 11, 2017	Warranty Deed, Transfer · FHA Mortgage CHEMICAL BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 21, 1998 · Amount on Record
Deed Sale	Aug 21, 1998 · Amount on Record
Last Transfer Date	Dec 14, 2015
Transfer Doc	0005134603
Record Updated	Oct 29, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EMMET MI
Property Address	901 STATE ST, PETOSKEY, MI 49770-2756
Transaction Type	Mortgage
Record Updated	Dec 15, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	901 STATE ST, PETOSKEY, MI 49770-2756

Mortgage

Document Number	0000001271/0000000587
Date	Dec 1, 2025
Book Page	0000001271/0000000587
Instrument	5224623

Lender

Name	MERCANTILE BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	300 Months
Due	Jan 1, 2050

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EMMET MI
Property Address	901 STATE ST, PETOSKEY, MI 49770-2756
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1214/711
Date	Aug 29, 2019
Book Page	1214/711
Instrument	5167630

Lender

Name	CHEMICAL BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2049

April 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EMMET MI
Recording Date	Apr 11, 2017
Property Address	901 STATE ST, PETOSKEY, MI 49770-2756
Document Number	1194/0023
Book / Page	1194 / 0023
Instrument Date	Apr 7, 2017
Instrument	5146899
Transaction Type	Transfer
Record Updated	Jun 22, 2021
Title Company	TALON TITLE

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	901 STATE ST, 901, PETOSKEY, MI 49770-2756

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2617 CHARLEVOIX AVE, PETOSKEY, MI 49770-8524

Mortgage

Document Number	1194/0024
Date	Apr 11, 2017
Book Page	1194/0024
Instrument	5146900

Lender

Name	CHEMICAL BANK
Type	Bank
Address	WYOMING, MI 49519

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2047

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Michigan
County	Emmet County
Municipality	Petoskey City
Unified School District	Public Schools of Petoskey (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$169,500 (+54.94%) Land $169,500	$339,000 (+54.94%) Land $339,000
2024	$2,788.00
2023		$109,400 Land $109,400	$218,800 Land $218,800

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	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CITY OF PETOSKEY serves 8,979 people · EPA ID MI0005300
Water Source	Groundwater
Last State Inspection	Aug 2023
Lead	2 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 416 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

May also be available: AT&T.

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