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

Emmet County property record for 125 E Summit St, Harbor Springs, MI 49740

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,584 sqft · built 1960
Lot Size	0.429 acres (18,687 sqft)
Owner	2 Company Names on Record
Last Sale	$225,000 (Mar 2018)
Tax Bill	$3,883 (2024)
Deeds & Mortgages	Sep 2025 Mortgage Sep 2025 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`51-15-13-102-078`

Property Details

APN / Parcel Number

Primary APN	`51-15-13-102-078`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,584 sqft Living Area
1st Floor Area	1,584 sqft
Basement Area	1,385 sqft
Unfinished Basement	1,385 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1960
Exterior Material	Stucco
Lot Area	18,687 sqft (0.429 acres)
Lot Dimensions	167 ft deep x 112 ft wide
Garage Area	512 sqft

Utilities, Heating & Cooling

Heating System	HVAC

Location & Zoning

Street Address	125 E SUMMIT ST
City	HARBOR SPRINGS
State	MI
Zip	49740-1124
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	COHS R-1-C
Legal Description	PT OF NW 1/4 OF NW 1/4, COM AT NE COR OF NW 1/4 OF NW 1/4 OF SEC, TH S 693.55 FT ALG E LN OF NW 1/4 OF NW 1/4 OF SD SEC FOR POB, TH CONT S 167 FT, TH ALG N LN OF SUMMIT ST W 112.85 FT, N 113.25 FT, W 20 FT, N 53.75 FT, E 132.22 FT TO POB. SECTION 13,
Legal Range	06W
Legal Township	35N
Legal Section	13
Legal Subdivision	S13 T35N R6W
Jurisdiction	EMMET MI
Township / Civil Division	HARBOR SPRINGS
Census Block Group	4
Census Block	4019
Census Tract	970400

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Company Names on Record
Mailing Address	125 E SUMMIT ST, HARBOR SPRINGS, MI 49740-1124
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Life Estate

Deeds, Mortgages & Sale History

Date	Document
Sep 17, 2025	Deed of Trust, Mortgage CITIZENS NATIONAL BANK OF CHEB
Sep 17, 2025	Deed of Trust, Mortgage · Conventional Mortgage CITIZENS NATIONAL BANK OF CHEBOYAN
Oct 19, 2020	Deed of Trust, Mortgage · Conventional Mortgage CITIZENS NATIONAL BANK OF CHEBOYGAN
Mar 2, 2018	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 2, 2018 · Amount on Record
Deed Sale	Mar 2, 2018 · Amount on Record
Prior Sale	Feb 27, 2009
Deed Document Number	20185154579
Deed Book / Page	1201 / 681
Prior Transfer Date	Feb 23, 2018
Prior Transfer Doc	1201/681
Record Updated	Oct 29, 2026

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EMMET MI
Property Address	125 E SUMMIT ST, HARBOR SPRINGS, MI 49740-1124
Transaction Type	Mortgage
Record Updated	Oct 6, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	125 E SUMMIT ST, HARBOR SPRINGS, MI 49740-1124

Mortgage

Document Number	0000001269/0000000939
Date	Sep 17, 2025
Book Page	0000001269/0000000939
Instrument	5222971

Lender

Name	CITIZENS NATIONAL BANK OF CHEB

Agreement

Amount	Amount Recorded
Term	300 Months
Due	Jan 1, 2050

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EMMET MI
Property Address	125 E SUMMIT ST, HARBOR SPRINGS, MI 49740-1124
Transaction Type	Mortgage
Record Updated	Sep 29, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	125 E SUMMIT ST, HARBOR SPRINGS, MI 49740-1124

Mortgage

Document Number	0000001269/0000000939
Date	Sep 17, 2025
Book Page	0000001269/0000000939
Instrument	5222971

Lender

Name	CITIZENS NATIONAL BANK OF CHEBOYAN

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	300 Months
Due	Jan 1, 2050

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EMMET MI
Property Address	125 E SUMMIT ST, HARBOR SPRINGS, MI 49740-1124
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	125 E SUMMIT ST, HARBOR SPRINGS, MI 49740-1124

Mortgage

Document Number	0000001226/0000000231
Date	Oct 19, 2020
Book Page	0000001226/0000000231
Instrument	5179180

Lender

Name	CITIZENS NATIONAL BANK OF CHEBOYGAN

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Jan 1, 2040

March 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EMMET MI
Recording Date	Mar 2, 2018
Property Address	125 E SUMMIT ST, HARBOR SPRINGS, MI 49740-1124
Document Number	1201/681
Book / Page	1201 / 681
Instrument Date	Feb 23, 2018
Instrument	000005154579
Transaction Type	Transfer
Record Updated	Jun 22, 2021

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount from Assessment

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	125 E SUMMIT ST, HARBOR SPRINGS, MI 49740-1124

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		$340,600 (-9.37%) Land $340,600	$681,200 (-9.37%) Land $681,200
2025		$375,800 (+41.28%) Land $375,800	$751,600 (+41.28%) Land $751,600
2024	$3,883.00
2023		$266,000 Land $266,000	$532,000 Land $532,000

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

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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