




1004 Howard St, Petoskey, MI, 49770
About This Home
Situated on a double lot in downtown Petoskey, this beautifully maintained home offers an exceptional combination of space, privacy, and location. Perched atop Howard Street hill, the property enjoys what many consider to be one of the most picturesque approaches into downtown, with charming views and an elevated setting. The home features four bedrooms and three-and-a-half baths, including a spacious main floor primary suite with a private bath and generous walk-in closet. A second bedroom suite is tucked away on the lower level, complete with its own bathroom and direct exterior access, creating an ideal retreat for guests, extended family, or a home office. The main living area is warm and inviting, centered around a fireplace and flowing seamlessly into the dining room. A sun-filled sitting room, surrounded by windows and currently used as a plant-filled conservatory, provides a peaceful space to relax and enjoy natural light throughout the day. The kitchen is located at the rear of the home and connects to a spacious mudroom and laundry area. Outside, the two-car garage provides ample storage and is topped by a large rooftop deck—an outstanding setting for summer entertaining, outdoor dining, or enjoying evening sunsets. The fully fenced backyard is a true highlight, offering abundant gardens and green space. Tucked into the back corner of the property is a charming cabin complete with a wood-burning fireplace, creating a cozy space for gatherings, hobbies, or quiet evenings. Just moments from downtown Petoskey, local parks, schools, shopping, and dining, this property presents a rare opportunity to enjoy in-town living with the space and amenities typically found in a much larger setting. A truly special home that must be experienced to be fully appreciated.
Getting Around
Schools
Construction
Materials
- Construction materials: Wood Frame/Site Built
Type & Style
- Home type: SingleFamily
Interior
Appliances
- Appliances included: Refrigerator,Washer,Dryer,Range
Basement
- Has basement: Yes
- Basement: Michigan
Bedroom
- Area: 225.69444444444446
Bedroom1
- Area: 289.66666666666663
Bedroom2
- Area: 188.79166666666669
Bedrooms & Bathrooms
- Bedrooms: 4
- Bathrooms: 4
- Full bathrooms: 3
- 1/2 bathrooms: 1
Dining Room
- Area: 201.73611111111111
Features
- Fireplace features: Gas
- Fireplace: Yes
Heating
- Heating features: Forced Air
Interior Area
- Total interior livable area: 2,541 sqft
Kitchen
- Area: 223.70833333333331
Living Room
- Area: 279.51388888888886
Master Bedroom
- Area: 231.2777777777778
Property
Details
- Parcel number: 521906400043
Features
- Levels: Two Or More
- Patio & porch: Deck
Parking
- Parking features: Attached Garage
- Has garage: Yes
- Covered spaces: 2
Climate Risk is Financial Risk
Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.
Biggest Threats for This Home
- Cold Wave
- Lightning
- Hail
- Inland Flooding
- Strong Wind
- Tornado
- Winter Weather
- Tsunami
How This Home’s Risks Compare
FEMA Declared Disasters in Emmet County and Michigan
Understanding the Costs
Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.
Estimated Costs Today
| Monthly | Annual | |
|---|---|---|
| Mortgage | $4,040 | $48,480 |
| Home Insurance * | $441 | $5,292 |
| Property Taxes | $545 | $6,540 |
| Electricity | $277 | $3,325 |
| Total | $5,303 | $63,636 |
Income You'd Need if You Spent...
Michigan FAIR Plan Programs
How Costs Could Change Over Time
Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-07-02 | Listed for sale | $799,000 |
| 2010-07-26 | Sold | $135,000 |
