137 E Bluff Dr, Harbor Springs, MI 49740 Property Records

Emmet County property record for 137 E Bluff Dr, Harbor Springs, MI 49740

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,985 sqft · built 1920
Lot Size	0.455 acres (19,820 sqft)
Owner	2 Individual Names on Record
Last Sale	$669,000 (May 2014)
Tax Bill	$34,931 (2024)
Deeds & Mortgages	Mar 2021 Mortgage Oct 2018 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`51-15-13-102-106`

Property Details

APN / Parcel Number

Primary APN	`51-15-13-102-106`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,985 sqft Living Area
1st Floor Area	1,649 sqft
Basement Area	1,312 sqft
Unfinished Basement	1,312 sqft
Fireplaces	2 Fireplaces
Fireplace	Fireplace

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Exterior Material	Wood Siding
Lot Area	19,820 sqft (0.455 acres)
Lot Dimensions	264 ft deep x 75 ft wide
Garage Area	1,008 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	137 E BLUFF DR
City	HARBOR SPRINGS
State	MI
Zip	49740-1501
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	COHS R-1-B
Legal Description	J.C. GLENN'S PLAT, COM AT SW COR OF LOT 7, TH N 265 FT, E 74.5 FT TH S 265 FT, TH W 74.5 FT TO POB. SECTION 13, T35N, R6W
Legal Range	06W
Legal Township	35N
Legal Section	13
Legal Subdivision	JC GLENNS PLAT
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	137 E BLUFF DR, HARBOR SPRINGS, MI 49740-1501
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 22, 2021	Deed of Trust, Mortgage · Conventional Mortgage CITIZENS NATIONAL BANK OF CHEBOYGAN
Oct 31, 2018	Deed of Trust, Mortgage CITIZENS NATIONAL BANK
Sep 10, 2018	Deed of Trust, Mortgage CITIZENS NATIONAL BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 23, 2014 · Amount on Record
Deed Sale	May 23, 2014 · Amount on Record
Prior Sale	Aug 1, 1987
Deed Document Number	20145119476
Deed Book / Page	1166 / 754
Record Updated	Oct 29, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EMMET MI
Property Address	137 E BLUFF DR, HARBOR SPRINGS, MI 49740-1501
Transaction Type	Mortgage
Record Updated	Apr 19, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	137 E BLUFF DR, HARBOR SPRINGS, MI 49740-1501

Mortgage

Document Number	0000001231/0000000211
Date	Mar 22, 2021
Book Page	0000001231/0000000211
Instrument	5184177

Lender

Name	CITIZENS NATIONAL BANK OF CHEBOYGAN

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jan 1, 2036

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EMMET MI
Property Address	137 E BLUFF DR, HARBOR SPRINGS, MI 49740-1501
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000001207/0000000697
Date	Oct 31, 2018
Book Page	0000001207/0000000697
Instrument	000005160591

Lender

Name	CITIZENS NATIONAL BANK
Type	Bank

Agreement

Amount	Amount Recorded
Term	15 Months
Due	Jan 1, 2020

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EMMET MI
Property Address	137 E BLUFF DR, HARBOR SPRINGS, MI 49740-1501
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000001206/0000000380
Date	Sep 10, 2018
Book Page	0000001206/0000000380
Instrument	000005159274

Lender

Name	CITIZENS NATIONAL BANK
Type	Bank

Agreement

Amount	Amount Recorded
Term	16 Months
Due	Jan 1, 2020

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		$1,889,900 (+48.36%) Land $1,889,900	$3,779,800 (+48.36%) Land $3,779,800
2024	$34,931.00
2023		$1,273,900 Land $1,273,900	$2,547,800 Land $2,547,800

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.

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