909 E Lake St, Petoskey, MI 49770 Property Records

Emmet County property record for 909 E Lake St, Petoskey, MI 49770

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,946 sqft
Lot Size	0.128 acres (5,616 sqft)
Owner	Individual Name on File
Tax Bill	$5,264 (2024)
Deeds & Mortgages	Aug 2020 Mortgage Aug 2020 Sale
Flood Zone	Zone X (minimal risk)
APN	`52-19-05-126-038`

Property Details

APN / Parcel Number

Primary APN	`52-19-05-126-038`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Building Area	1,946 sqft Living Area
1st Floor Area	1,330 sqft
Basement Area	1,330 sqft
Unfinished Basement	1,330 sqft

Exterior

Lot Area	5,616 sqft (0.128 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	909 E LAKE ST
City	PETOSKEY
State	MI
Zip	49770-2528
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	COP R-2
Legal Description	SHAW & MCMILLAN'S 3RD ADD., COM 200 FT W OF SE COR OF OUTLOT 5 OF SD PLAT, TH W 50 FT, TH N 117 FT, TH E 50 FT, TH S 117 FT TO COM. SECTION 5, T34N, R5W.
Legal Range	05W
Legal Township	34N
Legal Section	05
Legal Subdivision	SHAW & MCMILLANS 3RD ADD
Legal Lot Number	5
Jurisdiction	EMMET MI
Township / Civil Division	PETOSKEY
Census Block Group	1
Census Block	1069
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

909 E Lake St is owned and occupied by an individual who acquired it in August 2016.

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

Owner of Record	Individual Name on File
Mailing Address	909 E LAKE ST, PETOSKEY, MI 49770-2528
Occupancy	Owner Occupied
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Date	Document
Aug 21, 2020	Deed of Trust, Mortgage · Conventional Mortgage TCF NATIONAL BANK
Aug 21, 2020	Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Aug 29, 2016
Transfer Doc	1188/0124
Record Updated	Oct 29, 2026

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EMMET MI
Property Address	909 E LAKE ST, PETOSKEY, MI 49770-2528
Transaction Type	Mortgage
Record Updated	Jun 14, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	42737 E SLEEPLEVIEW CT, NORTHVILLE, MI 48168-2007

Mortgage

Document Number	0000001224/0000000270
Date	Aug 21, 2020
Book Page	0000001224/0000000270
Instrument	5177216

Lender

Name	TCF NATIONAL BANK

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2050

August 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	EMMET MI
Recording Date	Aug 21, 2020
Property Address	909 E LAKE ST, PETOSKEY, MI 49770-2528
Document Number	1224/269
Book / Page	1224 / 269
Instrument Date	Aug 4, 2020
Instrument	5177215
Transaction Type	Transfer
Record Updated	Jun 22, 2021

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	42737 E SLEEPLEVIEW CT, NORTHVILLE, MI 48168-2007

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		$262,700 (+30.5%) Land $262,700	$525,400 (+30.5%) Land $525,400
2025		$201,300 Land $201,300	$402,600 Land $402,600
2024	$5,264.00
2023		$165,200 Land $165,200	$330,400 Land $330,400

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

Flood

FEMA maps place 909 E Lake St in Zone X, an area of minimal flood risk.

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	4 in force

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 909 E Lake St is low, with less than 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 94% of the US · lower than 85% of Michigan
Wildfire Likelihood	Under 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.

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

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: AT&T.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on E Lake St

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