Emmet County property record for 115 E 3rd St, Harbor Springs, MI 49740
| Property Type | Commercial |
|---|---|
| Details | 1,332 sqft · built 1973 |
| Lot Size | 0.35 acres (15,246 sqft) |
| Owner | Trust Name on File |
| Last Sale | $185,000 (Jun 2008) |
| Tax Bill | $5,879 (2024) |
| Flood Zone | Zone X (minimal risk) |
| APN | 51-15-13-176-014 |
| Primary APN | 51-15-13-176-014 |
|---|
| Stories | 1 Story |
|---|---|
| Building Area | 1,332 sqft Total Area |
| 1st Floor Area | 2,664 sqft |
| Year Built | Built 1973 |
|---|---|
| Effective Year Built | Effective 1973 |
| Fire Resistance | Masonry Walls, Wood Interior |
| Lot Area | 15,246 sqft (0.35 acres) |
| Lot Dimensions | 205 ft deep x 74 ft wide |
| Patio Area | 388 sqft |
| Street Address | 115 E 3RD ST |
|---|---|
| City | HARBOR SPRINGS |
| State | MI |
| Zip | 49740-1557 |
| Property Category | Commercial |
| Property Type | Commercial > Retail |
| Local Zoning Code | COHS B-2 |
| Legal Description | ISAAC WHICHER'S SURVEY, BLK 3, LOT 2. SECTION 13, T35N, R6W |
| Legal Range | 06W |
| Legal Township | 35N |
| Legal Section | 13 |
| Legal Subdivision | THE RIDGES |
| Legal Block | 3 |
| Legal Lot Number | 2 |
| Jurisdiction | EMMET MI |
| Township / Civil Division | HARBOR SPRINGS |
| Census Block Group | 4 |
| Census Block | 4024 |
| Census Tract | 970400 |
115 E 3rd St, a commercial property, is held in a trust since December 2010.
Source: Emmet County records, as of October 20, 2026
| Owner of Record | Trust Name on File |
|---|---|
| Mailing Address | 1668 FERN AVE, HARBOR SPRINGS, MI 49740-9501 |
| 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 | Jun 11, 2008 · Amount on File |
| Deed Sale | Jun 11, 2008 · Amount on File |
| Deed Document Number | 20085056033 |
| Deed Book / Page | 1103 / 622 |
| Last Transfer Date | Dec 24, 2010 |
| Transfer Doc | 001132/701 |
| Record Updated | Oct 29, 2026 |
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 | $145,800 (-0.48%) Land $37,000 Building $108,800 | $291,600 (-0.48%) Land $74,000 Building $217,600 | |
| 2025 | $146,500 Land $23,300 Building $123,200 | $293,000 Land $46,600 Building $246,400 | |
| 2024 | $5,879.00 | ||
| 2023 | $135,400 Land $16,700 Building $118,700 | $270,800 Land $33,400 Building $237,400 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 115 E 3rd St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2026.
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 File 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.
Wildfire risk around 115 E 3rd St 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 | 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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