923 Emmet St, Petoskey, MI 49770 Property Records

Emmet County property record for 923 Emmet St, Petoskey, MI 49770

Property Summary

Property Type	Commercial
Details	2,700 sqft
Lot Size	0.08 acres (3,485 sqft)
Owner	2 Individual Names on Record
Last Sale	$100,000 (Jul 2008)
Tax Bill	$3,139 (2024)
Deeds & Mortgages	Nov 2022 Mortgage Nov 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`52-19-06-402-066`

Property Details

APN / Parcel Number

Primary APN	`52-19-06-402-066`

Interior

Stories	2 Stories
Building Area	2,700 sqft Total Area
1st Floor Area	1,350 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Fire Resistance	Masonry Walls, Wood Interior
Lot Area	3,485 sqft (0.08 acres)
Lot Dimensions	130 ft deep x 27 ft wide

Location & Zoning

Street Address	923 EMMET ST
City	PETOSKEY
State	MI
Zip	49770-2927
Property Category	Commercial
Property Type	Commercial > Retail
Local Zoning Code	COP B-2B
Legal Description	COM 10 FT W OF THE SE COR OF LOT 1 BLK 2 LOVELESS BLANEY'S ADDITION, TH W TO EMMET ST, TH N 25 FT, TH E TO POINT 10 FT W OF E LN OF SAID LOT, TH S 25 FT TO POC. ALSO DESCRIBED AS S 25 FT OF LOT 1 BLK 2 LOVELESS BLANEY'S ADDITION. SECTION 6, T34N, R5W
Legal Range	05W
Legal Township	34N
Legal Section	06
Legal Subdivision	LOVELESS BLANEYS ADDITION
Legal Block	2
Legal Lot Number	1
Jurisdiction	EMMET MI
Township / Civil Division	PETOSKEY
Census Block Group	2
Census Block	2019
Census Tract	970800

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	1207 TRACY LN, PETOSKEY, MI 49770-8539
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 1, 2022	Deed of Trust, Mortgage · Conventional Mortgage 4FRONT CREDIT UNION
Nov 21, 2019	Deed of Trust, Mortgage 4 FRONT CREDIT UNION
	Deed of Trust, Mortgage

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 8, 2008 · Amount on Record
Deed Sale	Jul 8, 2008 · Amount on Record
Prior Sale	Sep 14, 2000 · Amount on Record
Deed Document Number	20085056732
Deed Book / Page	1104 / 319
Prior Transfer Date	Aug 3, 2000
Record Updated	Oct 29, 2026

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EMMET MI
Property Address	923 EMMET ST, PETOSKEY, MI 49770-2927
Transaction Type	Mortgage
Record Updated	Nov 14, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1207 TRACY LN, PETOSKEY, MI 49770-8539

Mortgage

Document Number	0000001248/0000000207
Date	Nov 1, 2022
Book Page	0000001248/0000000207
Instrument	5201175

Lender

Name	4FRONT CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EMMET MI
Property Address	923 EMMET ST, PETOSKEY, MI 49770-2927
Transaction Type	Mortgage
Record Updated	May 26, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000001217/0000000141
Date	Nov 21, 2019
Book Page	0000001217/0000000141
Instrument	5170061

Lender

Name	4 FRONT CREDIT UNION

Agreement

Amount	Amount Recorded

: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EMMET MI
Property Address	923 EMMET ST, PETOSKEY, MI 49770-2927
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

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		$118,300 (+9.74%) Building $118,300	$236,600 (+9.74%) Building $236,600
2024	$3,139.00
2023		$107,800 Building $107,800	$215,600 Building $215,600

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

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 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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