902 Spruce St, Petoskey, MI 49770 Property Records

Emmet County property record for 902 Spruce St, Petoskey, MI 49770

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,432 sqft · built 1955
Lot Size	0.224 acres (9,797 sqft)
Owner	2 Individual Names on Record
Last Sale	$333,000 (Jul 2019)
Tax Bill	$5,756 (2024)
Deeds & Mortgages	Oct 2022 Mortgage Mar 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`52-19-05-327-014`

Property Details

APN / Parcel Number

Primary APN	`52-19-05-327-014`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,432 sqft Living Area
1st Floor Area	1,432 sqft
Basement Area	1,432 sqft
Unfinished Basement	1,432 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1955
Effective Year Built	Effective 1955
Lot Area	9,797 sqft (0.224 acres)
Garage Area	420 sqft

Location & Zoning

Street Address	902 SPRUCE ST
City	PETOSKEY
State	MI
Zip	49770-3147
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	COP R-2
Legal Description	BILLEAU HEIGHTS ADDITION LOT 6. SECTION 5, T34N, R5W
Legal Range	05W
Legal Township	34N
Legal Section	05
Legal Subdivision	BILLEAU HEIGHTS ADDITION
Legal Lot Number	6
Jurisdiction	EMMET MI
Township / Civil Division	PETOSKEY
Census Block Group	3
Census Block	3010
Census Tract	970700

Owner

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

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

Owner of Record	2 Individual Names on Record
Mailing Address	902 SPRUCE ST, PETOSKEY, MI 49770-3147
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 14, 2022	Deed of Trust, Mortgage · Conventional Mortgage HUNTINGTON NATIONAL BANK
Mar 1, 2021	Deed of Trust, Mortgage · Conventional Mortgage TCF NATIONAL BANK
Jul 18, 2019	Warranty Deed, Transfer · Stand-Alone First Mortgage CHEMICAL BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 18, 2019 · Amount on Record
Deed Sale	Jul 18, 2019 · Amount on Record
Prior Sale	Mar 3, 2014 · Amount on Record
Deed Document Number	20195166510
Deed Book / Page	1213 / 590
Record Updated	Oct 29, 2026

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EMMET MI
Property Address	902 SPRUCE ST, PETOSKEY, MI 49770-3147
Transaction Type	Mortgage
Record Updated	Oct 21, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	902 SPRUCE ST, PETOSKEY, MI 49770-3147

Mortgage

Document Number	0000001247/0000000872
Date	Oct 14, 2022
Book Page	0000001247/0000000872
Instrument	5200841

Lender

Name	HUNTINGTON NATIONAL BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2052

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EMMET MI
Property Address	902 SPRUCE ST, PETOSKEY, MI 49770-3147
Transaction Type	Mortgage
Record Updated	Apr 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	902 SPRUCE ST, PETOSKEY, MI 49770-3147

Mortgage

Document Number	0000001230/0000000502
Date	Mar 1, 2021
Book Page	0000001230/0000000502
Instrument	5183469

Lender

Name	TCF NATIONAL BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Jan 1, 2041

July 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EMMET MI
Recording Date	Jul 18, 2019
Property Address	902 SPRUCE ST, PETOSKEY, MI 49770-3147
Document Number	1213/590
Book / Page	1213 / 590
Instrument Date	Jul 15, 2019
Instrument	5166510
Transaction Type	Transfer
Record Updated	Jun 22, 2021
Title Company	TALON GROUP

Transaction

Amount	Amount Recorded
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	710 GROVE ST, PETOSKEY, MI 49770-2733

Mortgage

Document Number	5166511
Date	Jul 18, 2019
Instrument	5166511

Lender

Name	CHEMICAL BANK
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Mortgage

Document Number	001213/590
Date	Jul 18, 2019
Book Page	1213/590
Instrument	5166510

Lender

Name	CHEMICAL BANK
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2049

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		$315,700 (+53.55%) Land $315,700	$631,400 (+53.55%) Land $631,400
2024	$5,756.00
2023		$205,600 Land $205,600	$411,200 Land $411,200

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 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force
Nearby Flood Claims	1 (2014)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Apr 2014 · rainfall accumulation

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; 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	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.

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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