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

Emmet County property record for 122 E Summit St, Harbor Springs, MI 49740

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,845 sqft · built 1900
Lot Size	0.413 acres (17,990 sqft)
Owner	Individual Name on Record
Last Sale	$650,000 (Mar 2023)
Tax Bill	$9,660 (2024)
Deeds & Mortgages	Mar 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`51-15-13-102-093`

Property Details

APN / Parcel Number

Primary APN	`51-15-13-102-093`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	1,845 sqft Living Area
1st Floor Area	1,038 sqft
Basement Area	612 sqft
Unfinished Basement	612 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Exterior Material	Wood Siding
Lot Area	17,990 sqft (0.413 acres)
Lot Dimensions	123 ft deep x 146 ft wide
Garage Area	540 sqft

Utilities, Heating & Cooling

Heating System	HVAC

Location & Zoning

Street Address	122 E SUMMIT ST
City	HARBOR SPRINGS
State	MI
Zip	49740-1125
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	COHS R-1-B
Legal Description	COM AT NW COR OF SECTION 11, TH ALG N LN OF SD SEC, N87?50?E 1340.74 FT, TH ALG E LN OF NW ? OF NW ? OF SD SEC IN FOLLOWING CRSE(S): S0?38?32?W 860.06 FT & S0?43?13?W 60.22 FT TO POB, TH CONT ALG SD E LN S0?43?13?W 123.75 FT, TH N89?35?28?W 146.20 FT
Legal Range	06W
Legal Township	35N
Legal Section	13
Jurisdiction	EMMET MI
Township / Civil Division	HARBOR SPRINGS
Census Block Group	4
Census Block	4014
Census Tract	970400

Owner

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	Individual Name on Record
Mailing Address	122 E SUMMIT ST, HARBOR SPRINGS, MI 49740-1125
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 3, 2023 · Amount on Record
Deed Sale	Mar 3, 2023 · Amount on Record
Prior Sale	Apr 1, 1986 · Amount on Record
Deed Document Number	20235203681
Deed Book / Page	1250 / 694
Record Updated	Oct 29, 2026

March 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EMMET MI
Recording Date	Mar 3, 2023
Property Address	122 E SUMMIT ST, HARBOR SPRINGS, MI 49740-1125
Document Number	001250/694
Book / Page	1250 / 694
Instrument Date	Feb 27, 2023
Instrument	5203681
Transaction Type	Transfer
Record Updated	Mar 13, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6300 SUMMERSIDE DR, ALANSON, MI 49706-8701

Mortgage

Document Number	0005203682
Date	Mar 3, 2023
Instrument	5203682

Lender

Name	4FRONT CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	358 Months
Due	Jan 1, 2053

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Michigan
County	Emmet County
Municipality	Harbor Springs City
Unified School District	Harbor Springs School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$306,100 (+25.5%) Land $306,100	$612,200 (+25.5%) Land $612,200
2024	$9,660.00
2023		$243,900 Land $243,900	$487,800 Land $487,800

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.

Flood

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.

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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 287 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

May also be available: AT&T.

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