912 Spruce St, Petoskey, MI 49770 Property Records

Emmet County property record for 912 Spruce St, Petoskey, MI 49770

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,040 sqft · built 1959
Lot Size	0.238 acres (10,398 sqft)
Owner	2 Individual Names on File
Last Sale	$120,000 (Nov 2010)
Tax Bill	$2,452 (2024)
Deeds & Mortgages	Oct 2021 Mortgage Oct 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`52-19-05-327-017`

Property Details

APN / Parcel Number

Primary APN	`52-19-05-327-017`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Building Area	1,040 sqft Living Area
1st Floor Area	1,040 sqft
Basement Area	1,040 sqft
Unfinished Basement	1,040 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1959
Effective Year Built	Effective 1959
Lot Area	10,398 sqft (0.238 acres)
Garage Area	616 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	912 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 ADD. LOT 9. SECTION 5, T34N, R5W
Legal Range	05W
Legal Township	34N
Legal Section	05
Legal Subdivision	BILLEAU HEIGHTS ADDITION
Legal Lot Number	9
Jurisdiction	EMMET MI
Township / Civil Division	PETOSKEY
Census Block Group	3
Census Block	3010
Census Tract	970700

Owner

912 Spruce St is owned and occupied by two individuals who bought it in November 2010.

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

Owner of Record	2 Individual Names on File
Mailing Address	912 SPRUCE ST, PETOSKEY, MI 49770-3147
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
Oct 28, 2021	Deed of Trust, Mortgage · Conventional Mortgage ST FRANCIS X FEDERAL CREDIT UNION
Oct 1, 2020	Deed of Trust, Mortgage · Conventional Mortgage TCF NATIONAL BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 12, 2010 · Amount on File
Deed Sale	Nov 12, 2010 · Amount on File
Prior Sale	Oct 1, 1985 · Amount on File
Deed Book / Page	1129 / 129
Record Updated	Oct 29, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EMMET MI
Property Address	912 SPRUCE ST, PETOSKEY, MI 49770-3147
Transaction Type	Mortgage
Record Updated	Nov 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	912 SPRUCE ST, PETOSKEY, MI 49770-3147

Mortgage

Document Number	0000001238/0000000430
Date	Oct 28, 2021
Book Page	0000001238/0000000430
Instrument	5191392

Lender

Name	ST FRANCIS X FEDERAL CREDIT UNION

Agreement

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

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EMMET MI
Property Address	912 SPRUCE ST, PETOSKEY, MI 49770-3147
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	912 SPRUCE ST, PETOSKEY, MI 49770-3147

Mortgage

Document Number	0000001225/0000000610
Date	Oct 1, 2020
Book Page	0000001225/0000000610
Instrument	578560

Lender

Name	TCF NATIONAL BANK

Agreement

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

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		$189,700 Land $189,700	$379,400 Land $379,400
2024	$2,452.00
2023		$129,500 Land $129,500	$259,000 Land $259,000

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

Flood

FEMA maps place 912 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 912 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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