908 Spruce St, Petoskey, MI 49770 Property Records

Emmet County property record for 908 Spruce St, Petoskey, MI 49770

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,707 sqft · built 1952
Lot Size	0.236 acres (10,297 sqft)
Owner	Individual Name on File
Tax Bill	$3,717 (2024)
Deeds & Mortgages	Nov 2021 Mortgage Sep 2021 Transfer
Flood Zone	Zone X (minimal risk)
APN	`52-19-05-327-016`

Property Details

APN / Parcel Number

Primary APN	`52-19-05-327-016`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Building Area	1,707 sqft Living Area
1st Floor Area	1,707 sqft
Basement Area	1,407 sqft
Unfinished Basement	1,407 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1952
Effective Year Built	Effective 1952
Lot Area	10,297 sqft (0.236 acres)
Garage Area	774 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	908 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 8. SECTION 5, T34N, R5W
Legal Range	05W
Legal Township	34N
Legal Section	05
Legal Subdivision	BILLEAU HEIGHTS ADD
Legal Lot Number	8
Jurisdiction	EMMET MI
Township / Civil Division	PETOSKEY
Census Block Group	3
Census Block	3010
Census Tract	970700

Owner

908 Spruce St is owned and occupied by an individual who acquired it in September 2021.

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	Individual Name on File
Mailing Address	908 SPRUCE ST, PETOSKEY, MI 49770-3147
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 8, 2021	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE
Sep 24, 2021	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Sep 21, 2021
Transfer Doc	1237/438
Record Updated	Oct 29, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EMMET MI
Property Address	908 SPRUCE ST, PETOSKEY, MI 49770-3147
Transaction Type	Mortgage
Record Updated	Nov 26, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	908 SPRUCE ST, PETOSKEY, MI 49770-3147

Mortgage

Document Number	0000001238/0000000789
Date	Nov 8, 2021
Book Page	0000001238/0000000789
Instrument	5191751

Lender

Name	ROCKET MORTGAGE

Agreement

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

September 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	EMMET MI
Recording Date	Sep 24, 2021
Property Address	908 SPRUCE ST, PETOSKEY, MI 49770-3147
Document Number	1237/438
Book / Page	1237 / 438
Instrument Date	Sep 21, 2021
Instrument	5190399
Transaction Type	Transfer
Record Updated	Oct 11, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	908 SPRUCE ST, PETOSKEY, MI 49770-3147

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		$320,300 (+12.31%) Land $320,300	$640,600 (+12.31%) Land $640,600
2025		$285,200 Land $285,200	$570,400 Land $570,400
2024	$3,717.00
2023		$206,800 Land $206,800	$413,600 Land $413,600

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 908 Spruce St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2014.

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

Wildfire risk around 908 Spruce St 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.

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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