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

Emmet County property record for 133 E Summit St, Harbor Springs, MI 49740

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,434 sqft · built 1975
Lot Size	0.283 acres (12,327 sqft)
Owner	2 Individual Names on Record
Last Sale	$170,000 (Oct 1998)
Tax Bill	$2,952 (2024)
Deeds & Mortgages	Feb 2019 Refinance May 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`51-15-13-102-070`

Property Details

APN / Parcel Number

Primary APN	`51-15-13-102-070`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,434 sqft Living Area
1st Floor Area	1,434 sqft
Basement Area	1,434 sqft
Unfinished Basement	1,434 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1975
Effective Year Built	Effective 1975
Exterior Material	Wood Siding
Lot Area	12,327 sqft (0.283 acres)
Lot Dimensions	165 ft deep x 74 ft wide
Garage Area	288 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	133 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	J.C. GLENN'S PLAT, COM AT NW COR OF LOT 7, TH E 74.58 FT, S TO N LN OF SUMMIT ST, W ALG SD ST TO W LN OF LOT 7, TH N 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	4019
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	133 E SUMMIT ST, HARBOR SPRINGS, MI 49740-1124
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Life Estate

Deeds, Mortgages & Sale History

Date	Document
Feb 1, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance FIFTH THIRD BANK
May 7, 2020	Deed of Trust, Mortgage · Conventional Mortgage 4FRONT CREDIT UNION

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 22, 1998 · Amount on Record
Deed Sale	Oct 22, 1998 · Amount on Record
Prior Sale	Feb 1, 1990 · Amount on Record
Last Transfer Date	Oct 24, 2014
Transfer Doc	1171/429
Record Updated	Oct 29, 2026

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EMMET MI
Property Address	133 E SUMMIT ST, HARBOR SPRINGS, MI 49740-1124
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1209/613
Date	Feb 1, 2019
Book Page	1209/613
Instrument	5162529

Lender

Name	FIFTH THIRD BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EMMET MI
Property Address	133 E SUMMIT ST, HARBOR SPRINGS, MI 49740-1124
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	133 E SUMMIT ST, HARBOR SPRINGS, MI 49740-1124

Mortgage

Document Number	0000001221/0000000306
Date	May 7, 2020
Book Page	0000001221/0000000306

Lender

Name	4FRONT CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Jan 1, 2030

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		$269,800 (-10.16%) Land $269,800	$539,600 (-10.16%) Land $539,600
2025		$300,300 (+42.73%) Land $300,300	$600,600 (+42.73%) Land $600,600
2024	$2,952.00
2023		$210,400 Land $210,400	$420,800 Land $420,800

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.

Nearby Properties on E Summit St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures