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

Emmet County property record for 130 E Summit St, Harbor Springs, MI 49740

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 1,172 sqft · built 1978
Lot Size	0.297 acres (12,937 sqft)
Owner	2 Individual Names on Record
Last Sale	$445 (Jun 2026)
Tax Bill	$6,217 (2024)
Deeds & Mortgages	Jun 2026 Foreclosure Mar 2026 Foreclosure + 1 more
Flood Zone	Zone X (minimal risk)
APN	`51-15-13-102-094`

Property Details

APN / Parcel Number

Primary APN	`51-15-13-102-094`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,172 sqft Living Area
1st Floor Area	1,172 sqft
Basement Area	1,172 sqft
Unfinished Basement	1,172 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1978
Exterior Material	Wood Siding
Lot Area	12,937 sqft (0.297 acres)
Lot Dimensions	175 ft deep x 74 ft wide
Garage Area	336 sqft

Utilities, Heating & Cooling

Heating System	HVAC

Location & Zoning

Street Address	130 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	J.C. GLENN'S PLAT, COM 265 FT N OF SW COR OF LOT 7, TH N 175 FT, E 74.5 FT, S 175 FT, TH W 74.5 FT TO POB. SECTION 13, T35N, R6W.
Legal Range	06W
Legal Township	35N
Legal Section	13
Legal Subdivision	J C GLENNS
Legal Lot Number	7
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	2 Individual Names on Record
Mailing Address	130 E SUMMIT ST, HARBOR SPRINGS, MI 49740-1125
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 8, 2026	Foreclosure Foreclosure Auction
Mar 3, 2026	Foreclosure
Jan 17, 2018	Warranty Deed, Transfer TALON TITLE AGENCY, TACON TITLE AGENCY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 8, 2026 · Amount on Record
Deed Sale	Jun 8, 2026 · Amount on Record
Prior Sale	Mar 3, 2026 · Amount on Record
Deed Document Number	20265228601
Deed Book / Page	1275 / 552
Record Updated	Oct 29, 2026

June 2026: Foreclosure

Document Type	Foreclosure
Jurisdiction	EMMET MI
Recording Date	Jun 8, 2026
Property Address	130 E SUMMIT ST, HARBOR SPRINGS, MI 49740-1125
Document Number	001275/552
Book / Page	1275 / 552
Instrument Date	Jun 8, 2026
Instrument	20265228601
Transaction Type	Foreclosure
Record Updated	Aug 29, 2026

Transaction

Amount	Amount Recorded
Tax	$0.00
Additional	Foreclosure Auction

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	130 E SUMMIT ST, HARBOR SPRINGS, MI 49740-1125

March 2026: Foreclosure

Document Type	Foreclosure
Jurisdiction	EMMET MI
Recording Date	Mar 3, 2026
Property Address	130 E SUMMIT ST, HARBOR SPRINGS, MI 49740-1125
Document Number	001273/647
Book / Page	1273 / 647
Instrument Date	Mar 3, 2026
Instrument	5226697
Transaction Type	Foreclosure
Record Updated	Mar 16, 2026

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Tax Sale

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	200 DIVISION ST, PETOSKEY, MI 49770-2486

January 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EMMET MI
Recording Date	Jan 17, 2018
Property Address	130 E SUMMIT ST, HARBOR SPRINGS, MI 49740-1125
Document Number	1200/0742
Book / Page	1200 / 0742
Instrument Date	Dec 29, 2017
Instrument	5153641
Transaction Type	Transfer
Record Updated	Jun 22, 2021
Title Company	TALON TITLE AGENCY, TACON TITLE AGENCY

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1904 SANTA ANTILLES RD, 1904, ORLANDO, FL 32806-1530

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5921 OUTPOST RD, SYLVANIA, OH 43560-2287

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		$261,100 (-11.25%) Land $261,100	$522,200 (-11.25%) Land $522,200
2025		$294,200 (+43.65%) Land $294,200	$588,400 (+43.65%) Land $588,400
2024	$6,217.00
2023		$204,800 Land $204,800	$409,600 Land $409,600

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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