918 Howard St, Petoskey, MI 49770 Property Records

Emmet County property record for 918 Howard St, Petoskey, MI 49770

Property Summary

Property Type	Single Family Home
Details	6 bd · 3 ba · 3,664 sqft
Lot Size	0.566 acres (24,668 sqft)
Owner	2 Individual Names on File
Tax Bill	$12,787 (2024)
Deeds & Mortgages	Jun 2026 Sale Nov 2025 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`52-19-06-402-045`

Property Details

APN / Parcel Number

Primary APN	`52-19-06-402-045`

Interior

Bedrooms	6 Beds
Full Baths	3 Baths
Building Area	3,664 sqft Living Area
1st Floor Area	1,475 sqft
Basement Area	1,475 sqft
Unfinished Basement	1,475 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Lot Area	24,668 sqft (0.566 acres)
Garage Area	628 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	918 HOWARD ST
City	PETOSKEY
State	MI
Zip	49770-3022
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	COP R-3
Legal Description	LOVELESS BLANEY'S ADDITION LOTS 11, 12 & 13 BLK 1 EXC COM AT SW COR OF LOT 13, TH N 88', E 40', S 88', W 40' TO POB. SECTION 6, T34N, R5W.
Legal Range	05W
Legal Township	34N
Legal Section	06
Legal Subdivision	LOVELESS BLANEYS ADDITION
Legal Block	1
Legal Lot Number	11-13
Jurisdiction	EMMET MI
Township / Civil Division	PETOSKEY
Census Block Group	2
Census Block	2018
Census Tract	970800

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Individually Listed	Rehkopf, Phillip, House listed 1986 · 1 contributing resources · NRIS 86002069

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

918 Howard St is owned and occupied by two individuals who acquired it in March 2024.

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

Owner of Record	2 Individual Names on File
Mailing Address	918 HOWARD ST, PETOSKEY, MI 49770-3022
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

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
Jun 8, 2026	Warranty Deed, Transfer
Nov 5, 2025	Deed of Trust, Mortgage · Conventional Mortgage UNIVERSITY OF MICHIGAN CREDIT
Nov 5, 2025	Deed of Trust, Mortgage · Conventional Mortgage UNIVERSITY OF MICHIGAN CREDIT UNION
Mar 13, 2024	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE
Nov 16, 2020	Warranty Deed, Transfer · Conventional Mortgage GUARANTEED RATE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 13, 2024
Deed Sale	Mar 13, 2024
Prior Sale	Nov 16, 2020 · Amount on File
Deed Document Number	20245211381
Deed Book / Page	1258 / 371
Prior Transfer Date	Oct 15, 2009
Prior Transfer Doc	1117/599
Record Updated	Oct 29, 2026

June 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EMMET MI
Recording Date	Jun 8, 2026
Property Address	918 HOWARD ST, PETOSKEY, MI 49770-3022
Document Number	001275/574
Book / Page	1275 / 574
Instrument Date	Jun 3, 2026
Instrument	20265228623
Transaction Type	Transfer
Record Updated	Jun 22, 2026

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	918 HOWARD ST, PETOSKEY, MI 49770-3022

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EMMET MI
Property Address	918 HOWARD ST, PETOSKEY, MI 49770-3022
Transaction Type	Mortgage
Record Updated	Nov 24, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	918 HOWARD ST, PETOSKEY, MI 49770-3022

Mortgage

Document Number	0000001271/0000000099
Date	Nov 5, 2025
Book Page	0000001271/0000000099
Instrument	5224135

Lender

Name	UNIVERSITY OF MICHIGAN CREDIT

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	300 Months
Due	Jan 1, 2050

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EMMET MI
Property Address	918 HOWARD ST, PETOSKEY, MI 49770-3022
Transaction Type	Mortgage
Record Updated	Nov 17, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	918 HOWARD ST, PETOSKEY, MI 49770-3022

Mortgage

Document Number	0000001271/0000000099
Date	Nov 5, 2025
Book Page	0000001271/0000000099
Instrument	5224135

Lender

Name	UNIVERSITY OF MICHIGAN CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	300 Months
Due	Jan 1, 2050

March 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EMMET MI
Recording Date	Mar 13, 2024
Property Address	918 HOWARD ST, PETOSKEY, MI 49770-3022
Document Number	001258/371
Book / Page	1258 / 371
Instrument Date	Mar 6, 2024
Instrument	5211381
Transaction Type	Transfer
Record Updated	Mar 25, 2024

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
Relationship	Community Property
Address	514 ABBY LN, ASHEBORO, NC 27205-2303

Mortgage

Document Number	0005211382
Date	Mar 13, 2024
Instrument	5211382

Lender

Name	UNITED WHOLESALE

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	358 Months
Due	Jan 1, 2054

November 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EMMET MI
Recording Date	Nov 16, 2020
Property Address	918 HOWARD ST, PETOSKEY, MI 49770-3022
Document Number	1227/210
Book / Page	1227 / 210
Instrument Date	Nov 12, 2020
Instrument	5180159
Transaction Type	Transfer
Record Updated	Jun 22, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV 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	11008 LIMBACH CIR, INDIANAPOLIS, IN 46236-8763

Mortgage

Document Number	5180160
Date	Nov 16, 2020
Instrument	5180160

Lender

Name	GUARANTEED RATE

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	350 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		$586,700 (+11.82%) Land $586,700	$1,173,400 (+11.82%) Land $1,173,400
2025		$524,700 Land $524,700	$1,049,400 Land $1,049,400
2024	$12,787.00
2023		$371,600 Land $371,600	$743,200 Land $743,200

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

Flood

FEMA maps place 918 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 918 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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