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120 E Summit St, Harbor Springs, MI 49740 Property Records

Emmet County property record for 120 E Summit St, Harbor Springs, MI 49740

Property Summary

Property TypeSingle Family Home
Details3 bd · 2.5 ba · 2,216 sqft · built 1987
Lot Size0.237 acres (10,324 sqft)
Owner2 Trust Names on File
Last Sale$310,600 (Oct 2013)
Tax Bill$8,130 (2024)
Deeds & MortgagesSep 2023 Transfer
Flood ZoneZone X (minimal risk)
APN51-15-13-102-092

Property Details

APN / Parcel Number

Primary APN51-15-13-102-092

Interior

Bedrooms3 Beds
Full Baths2.5 Baths
Half Baths1 Half Bath
Stories2 Stories
Building Area2,216 sqft Living Area
1st Floor Area1,271 sqft
Basement Area618 sqft
Unfinished Basement618 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1987
Effective Year BuiltEffective 1987
Exterior MaterialStucco
Lot Area10,324 sqft (0.237 acres)
Lot Dimensions123 ft deep x 84 ft wide
Garage Area500 sqft

Utilities, Heating & Cooling

Heating SystemHeat Pump

Location & Zoning

Street Address120 E SUMMIT ST
CityHARBOR SPRINGS
StateMI
Zip49740-1125
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeCOHS R-1-B
Legal DescriptionCOM 1340.7 FT E OF NW COR, TH S'LY 920.28 FT, W'LY 146.20 FT TO POB, TH S'LY 123.75 FT, W'LY 117.80 FT, N'LY 123.75 FT, TH E'LY 117.80 FT TO POB, EXCEPT THE W'LY 33 FT OF STATE ST R.O.W. SECTION 13, T35N, R6W.
Legal Range06W
Legal Township35N
Legal Section13
Legal SubdivisionS13 T35N R6W
JurisdictionEMMET MI
Township / Civil DivisionHARBOR SPRINGS
Census Block Group4
Census Block4014
Census Tract970400

Owner

120 E Summit St is owner-occupied and held in a trust since August 2023.

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

Owner of Record2 Trust Names on File
Mailing Address120 E SUMMIT ST, HARBOR SPRINGS, MI 49740-1125
OccupancyOwner Occupied
Owner TypeCompany
VestingTrust

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

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleOct 11, 2013 · Amount on File
Deed SaleOct 11, 2013 · Amount on File
Prior SaleDec 1, 1995 · Amount on File
Deed Document Number20135113745
Deed Book / Page1161 / 67
Last Transfer DateAug 21, 2023
Transfer Doc001254/526
Record UpdatedOct 29, 2026

September 2023: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionEMMET MI
Recording DateSep 5, 2023
Property Address120 E SUMMIT ST, HARBOR SPRINGS, MI 49740-1125
Document Number001254/526
Book / Page1254 / 526
Instrument DateAug 21, 2023
Instrument5207517
Transaction TypeTransfer
Record UpdatedSep 15, 2023

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Quitclaim
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address120 E SUMMIT ST, HARBOR SPRINGS, MI 49740-1125

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateMichigan
CountyEmmet County
MunicipalityHarbor Springs City
Unified School DistrictHarbor Springs School District (KG - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$420,200 (-3.05%) Land $420,200$840,400 (-3.05%) Land $840,400
2025$433,400 Land $433,400$866,800 Land $866,800
2024$8,130.00
2023$316,500 Land $316,500$633,000 Land $633,000

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 120 E Summit 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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on File
median of 11 policies
Nearby Flood Policies11 in force
Nearby Flood Claims1 (2026)
Claims Outside the SFHA1 of 1
Most Recent ClaimJul 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

Wildfire risk around 120 E Summit 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 RiskLow
lower than 80% of the US · above 51% of Michigan
Wildfire Likelihood0.01% annual chance
ExposureNone
beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water SystemCITY OF HARBOR SPRINGS
serves 1,194 people · EPA ID MI0003010
Water SourceGroundwater
Last State InspectionDec 2024
Lead2 ppb (2022–2024)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting1
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.

Internet Providers

Source: FCC Broadband Data Collection, based on 287 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Spectrum
Cable · Fiber in parts of the area		1,000 / 1,000

May also be available: AT&T.

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