909 Howard St, Petoskey, MI 49770 Property Records

Emmet County property record for 909 Howard St, Petoskey, MI 49770

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,555 sqft
Lot Size	0.148 acres (6,460 sqft)
Owner	Individual Name on File
Last Sale	$365,000 (Sep 2024)
Tax Bill	$3,788 (2024)
Deeds & Mortgages	Aug 2022 Sale Nov 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`52-19-05-302-001`

Property Details

APN / Parcel Number

Primary APN	`52-19-05-302-001`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Building Area	1,555 sqft Living Area
1st Floor Area	610 sqft
Basement Area	441 sqft
Unfinished Basement	441 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Lot Area	6,460 sqft (0.148 acres)
Garage Area	420 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	909 HOWARD ST
City	PETOSKEY
State	MI
Zip	49770-3021
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	COP R-3
Legal Description	QUINLAN & FOCHTMAN'S ADD. LOT 13 BLK 1. SECTION 5, T34N, R5W
Legal Range	05W
Legal Township	34N
Legal Section	05
Legal Subdivision	QUINLAN & FOCHTMANS ADD
Legal Block	1
Legal Lot Number	13
Jurisdiction	EMMET MI
Township / Civil Division	PETOSKEY
Census Block Group	2
Census Block	2016
Census Tract	970800

Owner

909 Howard St is owned by an individual who bought it in September 2024.

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

Owner of Record	Individual Name on File
Mailing Address	31515 ROBINHOOD DR, BEVERLY HILLS, MI 48025-3532
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 23, 2022	Warranty Deed, Transfer
Nov 16, 2020	Deed of Trust, Mortgage · Conventional Mortgage FIRST COMMUNITY BANK
Nov 25, 2020	Warranty Deed, Transfer
Nov 25, 2020	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 9, 2024 · Amount on File
Deed Sale	Sep 9, 2024 · Amount on File
Prior Sale	Aug 23, 2022 · Amount on File
Deed Document Number	20245215079
Deed Book / Page	1262 / 67
Prior Transfer Date	Nov 23, 2020
Prior Transfer Doc	1227/502
Record Updated	Oct 29, 2026

August 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EMMET MI
Recording Date	Aug 23, 2022
Property Address	909 HOWARD ST, PETOSKEY, MI 49770-3021
Document Number	001246/535
Book / Page	1246 / 535
Instrument Date	Aug 17, 2022
Instrument	5199505
Transaction Type	Transfer
Record Updated	Sep 2, 2022

Transaction

Amount	Amount 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	909 HOWARD ST, PETOSKEY, MI 49770-3021

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EMMET MI
Property Address	909 HOWARD ST, PETOSKEY, MI 49770-3021
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	909 HOWARD ST, PETOSKEY, MI 49770-3021

Mortgage

Document Number	0000001227/0000000179
Date	Nov 16, 2020
Book Page	0000001227/0000000179
Instrument	5180128

Lender

Name	FIRST COMMUNITY BANK

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

November 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EMMET MI
Recording Date	Nov 25, 2020
Property Address	909 HOWARD ST, PETOSKEY, MI 49770-3021
Document Number	1227/502
Book / Page	1227 / 502
Instrument Date	Nov 23, 2020
Instrument	5180451
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	909 HOWARD ST, PETOSKEY, MI 49770-3021

November 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EMMET MI
Recording Date	Nov 25, 2020
Property Address	909 HOWARD ST, PETOSKEY, MI 49770-3021
Document Number	1227/500
Book / Page	1227 / 500
Instrument Date	Nov 23, 2020
Instrument	5180449
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	909 HOWARD ST, PETOSKEY, MI 49770-3021

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		$156,400 (+9.6%) Land $156,400	$312,800 (+9.6%) Land $312,800
2025		$142,700 Land $142,700	$285,400 Land $285,400
2024	$3,788.00
2023		$104,600 Land $104,600	$209,200 Land $209,200

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

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

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

Wildfire risk around 909 Howard 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	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 508 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.

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