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

Emmet County property record for 160 E Summit St, Harbor Springs, MI 49740

Property Summary

Property Type	Residential Vacant Land
Details	4 bd · 2 ba · 1,809 sqft · built 1920
Lot Size	0.488 acres (21,257 sqft)
Owner	Trust Name on File
Last Sale	$289,000 (May 2018)
Tax Bill	$1,088 (2024)
Deeds & Mortgages	May 2018 Mortgage Sep 2020 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`51-15-13-102-095`

Property Details

APN / Parcel Number

Primary APN	`51-15-13-102-095`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,809 sqft Living Area
1st Floor Area	1,188 sqft
Basement Area	1,188 sqft
Unfinished Basement	1,188 sqft

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Lot Area	21,257 sqft (0.488 acres)
Lot Dimensions	180 ft deep x 118 ft wide

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	160 E SUMMIT ST
City	HARBOR SPRINGS
State	MI
Zip	49740-1125
Property Category	Residential
Property Type	Vacant Land > Residential
Local Zoning Code	COHS R-1-B
Legal Description	J.C. GLENN'S PLAT, THAT PT OF N 420.75 FT OF LOT 7 LYING S OF SUMMIT ST, EXC E 313.5 FT & W 298.32 FT THEREOF, ALSO COM 437
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

160 E Summit St, residential vacant land, is held in a trust since June 2020.

Source: Emmet County records, as of July 21, 2026

Owner of Record	Trust Name on File
Mailing Address	277 CONNECTICUT AVE NE, ATLANTA, GA 30307-2211
Owner Type	Company
Vesting	Trust

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

Deeds, Mortgages & Sale History

Date	Document
May 4, 2018	Deed of Trust, Mortgage CHEMICAL BANK
Sep 24, 2020	Quit Claim Deed, Transfer Quitclaim
May 4, 2018	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 4, 2018 · Amount on File
Deed Sale	May 4, 2018 · Amount on File
Deed Document Number	20185156250
Deed Book / Page	1203 / 354
Last Transfer Date	Jun 8, 2020
Transfer Doc	1225/410
Record Updated	Sep 20, 2026

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EMMET MI
Property Address	160 E SUMMIT ST, HARBOR SPRINGS, MI 49740-1125
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000001203/0000000355
Date	May 4, 2018
Book Page	0000001203/0000000355
Instrument	000005156251

Lender

Name	CHEMICAL BANK
Type	Bank

Agreement

Amount	Amount on Record
Term	356 Months
Due	Jan 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	4%
Type Change Date	Jun 1, 2023
Index	1-Year LIBOR

September 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	EMMET MI
Recording Date	Sep 24, 2020
Property Address	160 E SUMMIT ST, HARBOR SPRINGS, MI 49740-1125
Document Number	1225/410
Book / Page	1225 / 410
Instrument Date	Jun 8, 2020
Instrument	5178360
Transaction Type	Transfer
Record Updated	Jun 22, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	227 CONNECTICUT AVE NE, ATLANTA, GA 30307-2211

May 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EMMET MI
Recording Date	May 4, 2018
Property Address	160 E SUMMIT ST, HARBOR SPRINGS, MI 49740-1125
Document Number	1203/354
Book / Page	1203 / 354
Instrument Date	May 2, 2018
Instrument	000005156250
Transaction Type	Transfer
Record Updated	Jun 22, 2021

Transaction

Amount	Amount 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	421,NE, ATLANTA, GA 30308

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		$99,400 (-33.33%) Land $99,400	$198,800 (-33.33%) Land $198,800
2025		$149,100 Land $149,100	$298,200 Land $298,200
2024	$1,088.00
2023		$89,500 Land $89,500	$179,000 Land $179,000

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

FEMA maps place 160 E Summit St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2026.

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 File 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

Wildfire risk around 160 E Summit St is low, with a 0.01% annual chance of 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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