Emmet County property record for 111 E 3rd St, Harbor Springs, MI 49740
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,663 sqft · built 1900 |
| Lot Size | 0.133 acres (5,793 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $658,000 (Jul 2022) |
| Tax Bill | $8,307 (2024) |
| Deeds & Mortgages | Apr 2020 Mortgage Jul 2022 Sale + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 51-15-13-176-028 |
| Primary APN | 51-15-13-176-028 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,663 sqft Living Area |
| 1st Floor Area | 1,156 sqft |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Exterior Material | Stucco |
| Lot Area | 5,793 sqft (0.133 acres) |
| Lot Dimensions | 88 ft deep x 66 ft wide |
| Heating System | Forced Air with A/C |
|---|
| Street Address | 111 E 3RD ST |
|---|---|
| City | HARBOR SPRINGS |
| State | MI |
| Zip | 49740-1532 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | COHS B-1 |
| Legal Description | ISAAC WHICHER'S SURVEY, LOT 3, BLK 3, COM AT INT OF N LN OF THIRD ST WITH W LN OF LOT 3, BLK 3, OF SD PLAT, TH N ALG W LN OF SD LOT 88.5 FT, TH E PAR WITH N LN OF THIRD ST TO E LN OF LOT 3, TH S ALG E LN OF SD LOT TO N LN OF THIRD ST, TH W ALG N LN O |
| Legal Range | 06W |
| Legal Township | 35N |
| Legal Section | 13 |
| Legal Subdivision | ISAAC WHICHERS SURVEY |
| Legal Block | 3 |
| Legal Lot Number | 3,88 |
| Jurisdiction | EMMET MI |
| Township / Civil Division | HARBOR SPRINGS |
| Census Block Group | 4 |
| Census Block | 4024 |
| Census Tract | 970400 |
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 | 111 E 3RD ST, HARBOR SPRINGS, MI 49740-1532 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 30, 2020 | Deed of Trust, Mortgage · Conventional Mortgage BILA DENNIS W TRUST |
| Jul 7, 2022 | Warranty Deed, Transfer |
| Jun 23, 2021 | Warranty Deed, Transfer |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 7, 2022 · Amount on Record |
| Deed Sale | Jul 7, 2022 · Amount on Record |
| Prior Sale | Jun 23, 2021 · Amount on Record |
| Deed Document Number | 20225198339 |
| Deed Book / Page | 1245 / 369 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | EMMET MI |
| Property Address | 111 E 3RD ST, HARBOR SPRINGS, MI 49740-1532 |
| Transaction Type | Mortgage |
| Record Updated | Aug 12, 2022 |
| Name | Verified Name |
|---|---|
| Address | PO BOX 436, HARBOR SPRINGS, MI 49740-0436 |
| Document Number | 0000001221/0000000189 |
|---|---|
| Date | Apr 30, 2020 |
| Book Page | 0000001221/0000000189 |
| Instrument | 5174132 |
| Name | BILA DENNIS W TRUST |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | EMMET MI |
| Recording Date | Jul 7, 2022 |
| Property Address | 111 E 3RD ST, HARBOR SPRINGS, MI 49740-1532 |
| Document Number | 001245/369 |
| Book / Page | 1245 / 369 |
| Instrument Date | Jul 1, 2022 |
| Instrument | 5198339 |
| Transaction Type | Transfer |
| Record Updated | Aug 12, 2022 |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 2558 BEECHWOOD DR SE, E GRAND RAPID, MI 49506-4253 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | EMMET MI |
| Recording Date | Jun 23, 2021 |
| Property Address | 111 E 3RD ST, HARBOR SPRINGS, MI 49740-1532 |
| Document Number | 001234/411 |
| Book / Page | 1234 / 411 |
| Instrument Date | Jun 11, 2021 |
| Instrument | 5187375 |
| Transaction Type | Transfer |
| Record Updated | Aug 12, 2022 |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 44 GRANDVILLE AVE SW, GRAND RAPIDS, MI 49503-4083 |
Source: Emmet County assessment roll, as of July 21, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Emmet County |
| Municipality | Harbor Springs City |
| Unified School District | Harbor Springs School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $324,200 (+79.51%) Land $324,200 | $648,400 (+79.51%) Land $648,400 | |
| 2024 | $8,307.00 | ||
| 2023 | $180,600 Land $180,600 | $361,200 Land $361,200 |
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.
Source: FEMA National Flood Hazard Layer, effective May 31, 2022 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 11 policies |
| Nearby Flood Policies | 11 in force |
| Nearby Flood Claims | 1 (2026) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Jul 2026 · rainfall accumulation |
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | CITY OF HARBOR SPRINGS serves 1,194 people · EPA ID MI0003010 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Dec 2024 |
| Lead | 2 ppb (2022–2024) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 1 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. The service area is an EPA estimate; the actual supplier may differ.
Source: FCC Broadband Data Collection, based on 237 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 |
| Starlink Satellite | 280 / 30 |
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