940 Windsong Pl, Petoskey, MI 49770 Property Records

Emmet County property record for 940 Windsong Pl, Petoskey, MI 49770

Property Summary

Property Type	Condominium
Details	2 ba · 988 sqft · built 2020
Lot Size	0.521 acres (22,738 sqft)
Owner	Individual Name on File
Last Sale	$276,000 (Mar 2026)
Tax Bill	$3,329 (2024)
Deeds & Mortgages	Mar 2026 Mortgage Apr 2026 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`01-19-20-355-133`

Property Details

APN / Parcel Number

Primary APN	`01-19-20-355-133`

Interior

Full Baths	2 Baths
Building Area	988 sqft Living Area
1st Floor Area	988 sqft
Basement Area	988 sqft
Unfinished Basement	988 sqft

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Architectural Style	Condo/Apartment
Lot Area	22,738 sqft
Garage Area	900 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	940 WINDSONG PL
City	PETOSKEY
State	MI
Zip	49770-9055
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	EC FF-1
Legal Description	WINDSONG WOODS, CONDO PLAN #344, UNIT 33, SECTION 20, T34N, R5W
Legal Range	05W
Legal Township	34N
Legal Section	20
Legal Subdivision	WINDSONG WOODS CONDO
Legal Unit	33
Jurisdiction	EMMET MI
Township / Civil Division	BEAR CREEK
Census Block Group	2
Census Block	2002
Census Tract	970600

Owner

940 Windsong Pl, a condominium, is owned and occupied by an individual who bought it in March 2026.

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

Owner of Record	Individual Name on File
Mailing Address	2585 STERZIK RD, PETOSKEY, MI 49770-9203
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Individual(s)

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
Mar 24, 2026	Deed of Trust, Mortgage · FHA Mortgage UNITED WHOLESALE
Apr 1, 2026	Deed of Trust, Mortgage · FHA Mortgage UNITED WHOLESALE LENDING
Apr 1, 2026	Deed of Trust, Mortgage UNITED WHOLESALE MORTGAGE
Mar 24, 2026	Warranty Deed, Transfer · FHA Mortgage UNITED WHOLESALE
Jul 12, 2022	Warranty Deed, Subdivision Related Transfer · Conventional Mortgage CITIZENS NATIONAL BANK OF CHEBOYGAN
Feb 28, 2020	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 24, 2026 · Amount on File
Deed Sale	Mar 24, 2026 · Amount on File
Prior Sale	Jul 12, 2022 · Amount on File
Deed Document Number	20265227159
Deed Book / Page	1274 / 110
Prior Transfer Date	Feb 18, 2020
Prior Transfer Doc	001219/686
Record Updated	Oct 29, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EMMET MI
Property Address	940 WINDSONG PL, PETOSKEY, MI 49770-9055
Transaction Type	Mortgage
Record Updated	Apr 27, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2585 STERZIK RD, PETOSKEY, MI 49770-9203

Mortgage

Document Number	0000001274/0000000229
Date	Mar 24, 2026
Book Page	0000001274/0000000229

Lender

Name	UNITED WHOLESALE

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	358 Months
Due	Jan 1, 2056

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EMMET MI
Recording Date	Apr 1, 2026
Property Address	940 WINDSONG PL, PETOSKEY, MI 49770-9055
Document Number	1274000229
Book / Page	1274 / 229
Instrument Date	Mar 20, 2026
Transaction Type	Mortgage
Record Updated	Jul 13, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2585 STERZIK RD, PETOSKEY, MI 49770-9203

Mortgage

Document Number	1274000229,
Date	Apr 1, 2026
Book Page	1274/229

Lender

Name	UNITED WHOLESALE LENDING

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 1, 2056

Interest

Rate	6.01%
Max Rate	-1%

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EMMET MI
Recording Date	Apr 1, 2026
Property Address	940 WINDSONG PL, PETOSKEY, MI 49770-9055
Document Number	0000001274/0000000229
Book / Page	1274 / 229
Instrument Date	Mar 20, 2026
Instrument	20265227278
Transaction Type	Mortgage
Record Updated	Jul 13, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0005227278,
Date	Apr 1, 2026
Book Page	1274/229
Instrument	20265227278

Lender

Name	UNITED WHOLESALE MORTGAGE

Agreement

Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2056

Interest

Rate	6.01%
Max Rate	-1%

March 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EMMET MI
Recording Date	Mar 24, 2026
Property Address	940 WINDSONG PL, PETOSKEY, MI 49770-9055
Document Number	001274/110
Book / Page	1274 / 110
Instrument Date	Mar 18, 2026
Instrument	5227159
Transaction Type	Transfer
Record Updated	Apr 14, 2026
Title Company	TALON TITLE AGENCY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$23.74
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2585 STERZIK RD, PETOSKEY, MI 49770-9203

Mortgage

Document Number	0001274229
Date	Mar 24, 2026
Instrument	1274/229

Lender

Name	UNITED WHOLESALE

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	358 Months
Due	Jan 1, 2056

July 2022: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	EMMET MI
Recording Date	Jul 12, 2022
Property Address	940 WINDSONG PL, PETOSKEY, MI 49770-9055
Document Number	001245/485
Book / Page	1245 / 485
Instrument Date	Jun 28, 2022
Instrument	5198455
Transaction Type	Subdivision Related Transfer
Record Updated	Jul 29, 2022

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	42640 SADDLE LN, STERLING HEIGHTS, MI 48314-2927

Mortgage

Document Number	0005198456
Date	Jul 12, 2022
Instrument	5198456

Lender

Name	CITIZENS NATIONAL BANK OF CHEBOYGAN

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	354 Months
Due	Jan 1, 2052

February 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	EMMET MI
Recording Date	Feb 28, 2020
Property Address	940 WINDSONG PL, PETOSKEY, MI 49770-9055
Document Number	001219/686
Book / Page	1219 / 686
Instrument Date	Feb 18, 2020
Instrument	5172629
Transaction Type	Transfer
Record Updated	Jul 12, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	940 WINDSONG PL, PETOSKEY, MI 49770-9055

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Michigan
County	Emmet County
County Subdivision	Bear Creek Township
Unified School District	Public Schools of Petoskey (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$163,500 (+9.58%) Land $163,500	$327,000 (+9.58%) Land $327,000
2025		$149,200 Land $149,200	$298,400 Land $298,400
2024	$3,329.00
2023		$128,300 Land $128,300	$256,600 Land $256,600

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

FEMA maps place 940 Windsong Pl 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 940 Windsong Pl 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	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 26 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Truestream Fiber	1,000 / 1,000

May also be available: Spectrum.

Cell Coverage

5G (outdoors only) and 4G LTE

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