914 State St, Petoskey, MI 49770 Property Records

Emmet County property record for 914 State St, Petoskey, MI 49770

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,488 sqft
Lot Size	0.111 acres (4,851 sqft)
Owner	Individual Name on File
Last Sale	$180,000 (Aug 2004)
Tax Bill	$2,500 (2024)
Deeds & Mortgages	Dec 2021 Mortgage Dec 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`52-19-05-100-099`

Property Details

APN / Parcel Number

Primary APN	`52-19-05-100-099`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,488 sqft Living Area
1st Floor Area	864 sqft
Basement Area	864 sqft
Unfinished Basement	864 sqft

Exterior

Lot Area	4,851 sqft (0.111 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	914 STATE ST
City	PETOSKEY
State	MI
Zip	49770-2757
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	COP R-2
Legal Description	COM 793 FT S & 233 FT W OF NE COR OF SE 1/4 OF NW 1/4, TH S 98 FT, W 50 FT, N 98 FT, E 50 FT TO BEG, SECTION 5, T34N, R5W
Legal Range	05W
Legal Township	34N
Legal Section	05
Jurisdiction	EMMET MI
Township / Civil Division	PETOSKEY
Census Block Group	3
Census Block	3007
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

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	914 STATE ST, PETOSKEY, MI 49770-2757
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 17, 2021	Deed of Trust, Mortgage · Conventional Mortgage LAKE MICHIGAN CREDIT UNION
Dec 20, 2019	Deed of Trust, Mortgage · Conventional Mortgage LAKE MICHIGAN CREDIT UNION
Oct 10, 2018	Deed of Trust, Mortgage LAKE MICHIGAN CREDIT UNION

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 2, 2004 · Amount on File
Deed Sale	Aug 2, 2004 · Amount on File
Prior Sale	Apr 22, 2002 · Amount on File
Deed Book / Page	1054 / 873
Record Updated	Oct 29, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EMMET MI
Property Address	914 STATE ST, PETOSKEY, MI 49770-2757
Transaction Type	Mortgage
Record Updated	Jan 3, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	914 STATE ST, PETOSKEY, MI 49770-2757

Mortgage

Document Number	0000001240/0000000064
Date	Dec 17, 2021
Book Page	0000001240/0000000064
Instrument	5193024

Lender

Name	LAKE MICHIGAN CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2052

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EMMET MI
Property Address	914 STATE ST, PETOSKEY, MI 49770-2757
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	914 STATE ST, PETOSKEY, MI 49770-2757

Mortgage

Document Number	0000001217/0000000820
Date	Dec 20, 2019
Book Page	0000001217/0000000820
Instrument	5170741

Lender

Name	LAKE MICHIGAN CREDIT UNION

Agreement

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

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EMMET MI
Property Address	914 STATE ST, PETOSKEY, MI 49770-2757
Transaction Type	Mortgage
Record Updated	Oct 31, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000001207/0000000148
Date	Oct 10, 2018
Book Page	0000001207/0000000148
Instrument	000005160041

Lender

Name	LAKE MICHIGAN CREDIT UNION
Type	Credit Union

Agreement

Amount	Amount on Record
Term	351 Months
Due	Jan 1, 2048

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		$193,000 (+55.65%) Land $193,000	$386,000 (+55.65%) Land $386,000
2024	$2,500.00
2023		$124,000 Land $124,000	$248,000 Land $248,000

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

Flood

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

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 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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