9218 Pachy Rd, Carp Lake, MI 49718 Property Records

Emmet County property record for 9218 Pachy Rd, Carp Lake, MI 49718

Property Summary

Property Type	Single Family Home
Lot Size	0.575 acres (25,048 sqft)
Owner	2 Individual Names on Record
Last Sale	$525,000 (Oct 2025)
Tax Bill	$2,474 (2024)
Deeds & Mortgages	Oct 2025 Mortgage Oct 2025 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`03-06-14-451-005`

Property Details

APN / Parcel Number

Primary APN	`03-06-14-451-005`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Building Area	1,300 sqft Living Area
1st Floor Area	1,300 sqft

Exterior

Year Built	Built 1968
Effective Year Built	Effective 1968
Lot Area	25,048 sqft (0.575 acres)
Garage Area	1,336 sqft

Utilities, Heating & Cooling

Heating System	Space Heater

Location & Zoning

Street Address	9218 PACHY RD
City	CARP LAKE
State	MI
Zip	49718-9704
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	EC RR
Legal Description	SUP FRANK SCHMALZRIED'S PLAT OF PACHY'S RESORT, LOT 7. SECTION 14, T38N, R4W
Legal Range	04W
Legal Township	38N
Legal Section	14
Legal Subdivision	SUP FRANK SCHMALZRIED'S PACHY'S RESORT
Legal Lot Number	7
Jurisdiction	EMMET MI
Township / Civil Division	CARP LAKE
Census Block Group	1
Census Block	1043
Census Tract	970100

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	9218 PACHY RD, CARP LAKE, MI 49718-9704
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Oct 3, 2025	Deed of Trust, Mortgage · Conventional Mortgage NAVY FEDERAL CREDIT UNION
Oct 3, 2025	Warranty Deed, Transfer · Conventional Mortgage NAVY FEDERAL CREDIT UNION

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 3, 2025 · Amount on Record
Deed Sale	Oct 3, 2025 · Amount on Record
Prior Sale	Aug 1, 1994 · Amount on Record
Deed Document Number	20255223407
Deed Book / Page	1270 / 376
Prior Transfer Date	Jun 24, 2025
Prior Transfer Doc	001267/993
Record Updated	Oct 29, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EMMET MI
Property Address	9218 PACHY RD, CARP LAKE, MI 49718-9704
Transaction Type	Mortgage
Record Updated	Oct 28, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9218 PACHY RD, CARP LAKE, MI 49718-9704

Mortgage

Document Number	0005223408
Date	Oct 3, 2025
Instrument	5223408

Lender

Name	NAVY FEDERAL CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	351 Months
Due	Jan 1, 2055

October 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EMMET MI
Recording Date	Oct 3, 2025
Property Address	9218 PACHY RD, CARP LAKE, MI 49718-9704
Document Number	001270/376
Book / Page	1270 / 376
Instrument Date	Sep 30, 2025
Instrument	5223407
Transaction Type	Transfer
Record Updated	Oct 20, 2025
Title Company	CHICAGO TITLE MERIDIAN, CHICAGO TITLE OF MICHIGAN

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$45.15
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	9218 PACHY RD, CARP LAKE, MI 49718-9704

Mortgage

Document Number	0005223408
Date	Oct 3, 2025
Instrument	5223408

Lender

Name	NAVY FEDERAL CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	351 Months
Due	Jan 1, 2055

Tax Assessment & Valuation

Source: Emmet County assessment roll, as of July 21, 2026

Property Jurisdictions

Type	Name
State	Michigan
County	Emmet County
County Subdivision	Carp Lake Township
Unified School District	Pellston Public Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$238,800 (+21.96%) Land $238,800	$477,600 (+21.96%) Land $477,600
2025		$195,800 (+33.11%) Land $195,800	$391,600 (+33.11%) Land $391,600
2024	$2,474.00
2023		$147,100 Land $147,100	$294,200 Land $294,200

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

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 94% of the US · lower than 87% of Michigan
Wildfire Likelihood	Under 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 20 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Truestream Fiber	1,000 / 1,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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