903 Windsong Pl, Petoskey, MI 49770 Property Records

Emmet County property record for 903 Windsong Pl, Petoskey, MI 49770

Property Summary

Property Type	Condominium
Lot Size	0.255 acres (11,149 sqft)
Owner	2 Individual Names on Record
Last Sale	$375,000 (Feb 2026)
Tax Bill	$3,031 (2024)
Deeds & Mortgages	Apr 2009 Mortgage Sep 2024 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`01-19-20-355-120`

Property Details

APN / Parcel Number

Primary APN	`01-19-20-355-120`

Interior

Full Baths	2 Baths
Building Area	1,410 sqft Living Area
1st Floor Area	1,410 sqft
Basement Area	1,410 sqft
Unfinished Basement	1,410 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Architectural Style	Condo/Apartment
Lot Area	11,149 sqft
Garage Area	606 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	903 WINDSONG PL
City	PETOSKEY
State	MI
Zip	49770-9055
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	EC FF-1
Legal Description	WINDSONG WOODS, CONDO PLAN #344, UNIT 20, SECTION 20, T34N, R5W
Legal Range	05W
Legal Township	34N
Legal Section	20
Legal Subdivision	WINDSONG WOODS CONDOMINIUM
Legal Unit	20
Jurisdiction	EMMET MI
Township / Civil Division	BEAR CREEK
Census Block Group	2
Census Block	2003
Census Tract	970600

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	2119 WINDING CREEK DR, KELLER, TX 76248-6815
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Apr 10, 2009	Deed of Trust, Mortgage THE BANK OF NORTHERN MICHIGAN
Sep 13, 2024	Deed of Trust, Mortgage · Conventional Mortgage HUNTINGTON NATIONAL BANK
Feb 26, 2026	Warranty Deed, Transfer · Conventional Mortgage MERCANTILE BANK
Jan 13, 2021	Warranty Deed, Transfer · Conventional Mortgage CALIBER HOME LOANS
Jan 13, 2021	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 26, 2026 · Amount on Record
Deed Sale	Feb 26, 2026 · Amount on Record
Prior Sale	Jan 13, 2021 · Amount on Record
Deed Document Number	20265226412
Deed Book / Page	1273 / 362
Prior Transfer Date	Dec 18, 2020
Prior Transfer Doc	1228/979
Record Updated	Oct 29, 2026

April 2009: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EMMET MI
Property Address	903 WINDSONG PL, PETOSKEY, MI 49770-9055
Transaction Type	Mortgage
Record Updated	Mar 16, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5563 MANTHEI RD, PETOSKEY, MI 49770-8780

Mortgage

Document Number	001111/795
Date	Apr 10, 2009
Book Page	1111/795
Instrument	5064241

Lender

Name	THE BANK OF NORTHERN MICHIGAN
Address	406 BAY ST, PETOSKEY, MI 49770

Agreement

Amount	Amount Recorded
Term	360 Months
Due	May 1, 2039

Interest

Rate Type	Adjustable Rate
Adjustable	Adjustable Rate Rider

September 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EMMET MI
Property Address	903 WINDSONG PL, PETOSKEY, MI 49770-9055
Transaction Type	Mortgage
Record Updated	Mar 16, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	903 WINDSONG PL, PETOSKEY, MI 49770-9055

Mortgage

Document Number	0000001262/0000000190
Date	Sep 13, 2024
Book Page	0000001262/0000000190
Instrument	5215202

Lender

Name	HUNTINGTON NATIONAL BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2054

February 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EMMET MI
Recording Date	Feb 26, 2026
Property Address	903 WINDSONG PL, PETOSKEY, MI 49770-9055
Document Number	001273/362
Book / Page	1273 / 362
Instrument Date	Feb 20, 2026
Instrument	5226412
Transaction Type	Transfer
Record Updated	Mar 16, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$32.25
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	2119 WINDING CREEK DR, KELLER, TX 76248-6815

Mortgage

Document Number	0005226719
Date	Feb 26, 2026
Instrument	5226719

Lender

Name	MERCANTILE BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Jan 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	7.25%
Type Change Date	Mar 1, 2020

January 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EMMET MI
Recording Date	Jan 13, 2021
Property Address	903 WINDSONG PL, PETOSKEY, MI 49770-9055
Document Number	1228/977
Book / Page	1228 / 977
Instrument Date	Dec 18, 2020
Instrument	5181946
Transaction Type	Transfer
Record Updated	Jun 22, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV 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	903 WINDSONG PL, PETOSKEY, MI 49770-9055

Mortgage

Document Number	0000001228/0000000978
Date	Jan 13, 2021
Book Page	0000001228/0000000978
Instrument	5181947

Lender

Name	CALIBER HOME LOANS

Agreement

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

January 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EMMET MI
Recording Date	Jan 13, 2021
Property Address	903 WINDSONG PL, PETOSKEY, MI 49770-9055
Document Number	1228/979
Book / Page	1228 / 979
Instrument Date	Dec 18, 2020
Instrument	5181948
Transaction Type	Transfer
Record Updated	Jun 22, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	903 WINDSONG PL, PETOSKEY, MI 49770-9055

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		$161,800 (+10.07%) Land $161,800	$323,600 (+10.07%) Land $323,600
2025		$147,000 (+16.67%) Land $147,000	$294,000 (+16.67%) Land $294,000
2024	$3,031.00
2023		$126,000 Land $126,000	$252,000 Land $252,000

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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

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 26 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Truestream Fiber	1,000 / 1,000

May also be available: Spectrum.

Cell Coverage

5G (outdoors only) and 4G LTE

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