927 Howard St, Petoskey, MI 49770 Property Records

Emmet County property record for 927 Howard St, Petoskey, MI 49770

Property Summary

Property Type	Single Family Home
Lot Size	0.299 acres (13,036 sqft)
Owner	2 Individual Names on Record
Last Sale	$147,500 (Jan 2008)
Tax Bill	$7,525 (2024)
Deeds & Mortgages	Nov 2022 Mortgage Mar 2021 Mortgage + 5 more
Flood Zone	Zone X (minimal risk)
APN	`52-19-05-302-016`

Property Details

APN / Parcel Number

Primary APN	`52-19-05-302-016`

Exterior

Lot Area	13,036 sqft (0.299 acres)

Location & Zoning

Street Address	927 HOWARD ST
City	PETOSKEY
State	MI
Zip	49770-3053
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	COP R-3
Legal Description	QUINLAN & FOCHTMAN'S ADD. LOTS 24 & 25, BLK 2. SECTION 5, T34N, R5W
Legal Range	05W
Legal Township	34N
Legal Section	05
Legal Subdivision	QUINLAN AND FOCHTMANS ADDITION
Legal Block	2
Legal Lot Number	24-25
Jurisdiction	EMMET MI
Township / Civil Division	PETOSKEY
Census Block Group	2
Census Block	2023
Census Tract	970800

Owner

Source: Emmet County records, as of July 21, 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	927 HOWARD ST, PETOSKEY, MI 49770-3053
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 8, 2022	Deed of Trust, Mortgage · Conventional Mortgage MERCANTILE BANK
Mar 26, 2021	Deed of Trust, Mortgage · Conventional Mortgage STATE SAVINGS BANK
Jul 24, 2018	Deed of Trust, Mortgage STATE SAVINGS BANK
Jun 5, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance STATE SAVINGS BANK
Jul 1, 2020	Deed of Trust, Mortgage · Conventional Mortgage STATE SAVINGS BANK
Dec 17, 2018	Warranty Deed, Transfer
Jul 24, 2018	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 7, 2008 · Amount on Record
Deed Sale	Jan 7, 2008 · Amount on Record
Prior Sale	May 1, 1985
Deed Document Number	20085050715
Deed Book / Page	1098 / 313
Last Transfer Date	Dec 13, 2018
Transfer Doc	1208/721
Record Updated	Sep 20, 2026

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EMMET MI
Property Address	927 HOWARD ST, PETOSKEY, MI 49770-3053
Transaction Type	Mortgage
Record Updated	Nov 21, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	927 HOWARD ST, PETOSKEY, MI 49770-3053

Mortgage

Document Number	0000001248/0000000391
Date	Nov 8, 2022
Book Page	0000001248/0000000391
Instrument	5201359

Lender

Name	MERCANTILE BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EMMET MI
Property Address	927 HOWARD ST, PETOSKEY, MI 49770-3053
Transaction Type	Mortgage
Record Updated	Apr 19, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	927 HOWARD ST, PETOSKEY, MI 49770-3053

Mortgage

Document Number	0000001231/0000000391
Date	Mar 26, 2021
Book Page	0000001231/0000000391
Instrument	5184357

Lender

Name	STATE SAVINGS BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2051

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EMMET MI
Property Address	927 HOWARD ST, PETOSKEY, MI 49770-3053
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000001205/0000000246
Date	Jul 24, 2018
Book Page	0000001205/0000000246

Lender

Name	STATE SAVINGS BANK
Type	Bank

Agreement

Amount	Amount Recorded

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EMMET MI
Property Address	927 HOWARD ST, PETOSKEY, MI 49770-3053
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1212/622
Date	Jun 5, 2019
Book Page	1212/622
Instrument	5165542

Lender

Name	STATE SAVINGS BANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2049

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EMMET MI
Property Address	927 HOWARD ST, PETOSKEY, MI 49770-3053
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	927 HOWARD ST, PETOSKEY, MI 49770-3053

Mortgage

Document Number	0000001222/0000000655
Date	Jul 1, 2020
Book Page	0000001222/0000000655
Instrument	5175597

Lender

Name	STATE SAVINGS BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Jan 1, 2021

December 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EMMET MI
Recording Date	Dec 17, 2018
Property Address	927 HOWARD ST, PETOSKEY, MI 49770-3053
Document Number	1208/721
Book / Page	1208 / 721
Instrument Date	Dec 13, 2018
Instrument	5161644
Transaction Type	Transfer
Record Updated	Jun 22, 2021

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	927 HOWARD ST, PETOSKEY, MI 49770-3053

July 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EMMET MI
Recording Date	Jul 24, 2018
Property Address	927 HOWARD ST, PETOSKEY, MI 49770-3053
Document Number	1205/245
Book / Page	1205 / 245
Instrument Date	Jul 9, 2018
Instrument	000005158140
Transaction Type	Transfer
Record Updated	Jun 22, 2021

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
Address	4327 CHRIS GREENE LAKE RD, CHARLOTTESVILLE, VA 22911-5813

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		$306,700 (+10.17%) Land $306,700	$613,400 (+10.17%) Land $613,400
2025		$278,400 (+45.38%) Land $278,400	$556,800 (+45.38%) Land $556,800
2024	$7,525.00
2023		$191,500 Land $191,500	$383,000 Land $383,000

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

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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