Emmet County property record for 989 Berger Rd, Petoskey, MI 49770
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,553 sqft · built 1990 |
| Lot Size | 5.9 acres (257,004 sqft) |
| Owner | Trust Name on File |
| Tax Bill | $3,299 (2024) |
| Deeds & Mortgages | Sep 2019 Refinance |
| Flood Zone | Zone X (minimal risk) |
| APN | 14-20-05-300-014 |
| Primary APN | 14-20-05-300-014 |
|---|
| Full Baths | 2 Baths |
|---|---|
| Building Area | 1,553 sqft Living Area |
| 1st Floor Area | 1,553 sqft |
| Basement Area | 1,553 sqft |
| Unfinished Basement | 1,553 sqft |
| Year Built | Built 1990 |
|---|---|
| Effective Year Built | Effective 1990 |
| Architectural Style | Ranch |
| Lot Area | 257,004 sqft (5.9 acres) |
| Garage Area | 720 sqft |
| Heating System | Forced Air with A/C |
|---|
| Street Address | 989 BERGER RD |
|---|---|
| City | PETOSKEY |
| State | MI |
| Zip | 49770-8837 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | EC FF-2 |
| Legal Description | COM AT SW COR OF SEC FOR POB, TH E 1157.29 FT ALG S SEC LN TO S LN OF MITCHELL RD, TH N72?4'51"W ALG ARC OF 1178.92 FT RAD CURVE TO R 178.22 FT, TH N67?45'W 799.16 FT, TH ALG 1112.92 FT RAD CUR TO L, CHD N74?50'32"W 274.82 FT TO W SEC LN, TH S2?16'59 |
| Legal Range | 04W |
| Legal Township | 34N |
| Legal Section | 05 |
| Jurisdiction | EMMET MI |
| Township / Civil Division | SPRINGVALE |
| Census Block Group | 4 |
| Census Block | 4021 |
| Census Tract | 970500 |
989 Berger Rd is owner-occupied and held in a trust since April 2001.
Source: Emmet County records, as of October 20, 2026
| Owner of Record | Trust Name on File |
|---|---|
| Mailing Address | 989 BERGER RD, PETOSKEY, MI 49770-8837 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 13, 2001 |
| Deed Sale | Apr 13, 2001 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | EMMET MI |
| Property Address | 989 BERGER RD, PETOSKEY, MI 49770-8837 |
| Transaction Type | Mortgage |
| Record Updated | Aug 22, 2023 |
| Name | Verified Name |
|---|
| Document Number | 001215/125 |
|---|---|
| Date | Sep 12, 2019 |
| Book Page | 1215/125 |
| Instrument | 5168043 |
| Name | 1ST COMMUNITY BANK |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
Source: Emmet County assessment roll, as of July 21, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Emmet County |
| County Subdivision | Springvale Township |
| Unified School District | Public Schools of Petoskey (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $242,300 Land $242,300 | $484,600 Land $484,600 | |
| 2024 | $3,299.00 | ||
| 2023 | $174,700 Land $174,700 | $349,400 Land $349,400 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 989 Berger Rd 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 risk around 989 Berger Rd 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 | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 14 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 / 35 |
5G and 4G LTE (outdoors only)
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