Emmet County property record for 1656 Bester Rd, Harbor Springs, MI 49740
| Property Type | Single Family Home |
|---|---|
| Lot Size | 2.84 acres (123,710 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $4,019 (2024) |
| Deeds & Mortgages | Apr 2026 Mortgage Nov 2021 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 08-16-08-100-018 |
| Primary APN | 08-16-08-100-018 |
|---|
| Lot Area | 123,710 sqft (2.84 acres) |
|---|
| Street Address | 1656 BESTER RD |
|---|---|
| City | HARBOR SPRINGS |
| State | MI |
| Zip | 49740-8616 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | LTT FF-1 |
| Legal Description | PT OF S 1/2 OF NW 1/4 OF SECTION 8, COM AT W 1/4 COR OF SEC, TH S89?45'55"E 1637.39 FT ALG E/W 1/4 LN OF SD SEC FOR POB, TH |
| Legal Subdivision | S8 T35N R5W |
| Jurisdiction | EMMET MI |
| Township / Civil Division | LITTLE TRAVERSE |
| Census Block Group | 1 |
| Census Block | 1007 |
| Census Tract | 970400 |
Source: Emmet County records, as of July 21, 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 | 1656 BESTER RD, HARBOR SPRINGS, MI 49740-8616 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 1, 2026 | Deed of Trust · Conventional Mortgage LOAN DEPOT |
| Nov 22, 2021 | Deed of Trust, Mortgage · Conventional Mortgage FIRST COMMUNITY BANK |
| Nov 14, 2017 | Deed of Trust, Mortgage FIRST COMMUNITY BANK |
| Nov 18, 2020 | Deed of Trust, Mortgage · Conventional Mortgage AMERIFIRST FINANCIAL |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | Oct 15, 2008 |
| Transfer Doc | 1106/812 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | EMMET MI |
| Recording Date | Apr 1, 2026 |
| Property Address | 1656 BESTER RD, HARBOR SPRINGS, MI 49740-8616 |
| Document Number | 0000001274/0000000245 |
| Book / Page | 1274 / 245 |
| Instrument Date | Mar 24, 2026 |
| Instrument | 20265227294 |
| Record Updated | Apr 21, 2026 |
| Name | Verified Name |
|---|---|
| Address | 1656 BESTER RD, HARBOR SPRINGS, MI 49740-8616 |
| Document Number | 0005227294, |
|---|---|
| Date | Apr 1, 2026 |
| Book Page | 1274/245 |
| Instrument | 20265227294 |
| Name | LOAN DEPOT |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Mar 1, 2036 |
| Rate | 5.98% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | EMMET MI |
| Property Address | 1656 BESTER RD, HARBOR SPRINGS, MI 49740-8616 |
| Transaction Type | Mortgage |
| Record Updated | Dec 10, 2021 |
| Name | Verified Name |
|---|---|
| Address | 1656 BESTER RD, HARBOR SPRINGS, MI 49740-8616 |
| Document Number | 0000001239/0000000242 |
|---|---|
| Date | Nov 22, 2021 |
| Book Page | 0000001239/0000000242 |
| Instrument | 5192203 |
| Name | FIRST COMMUNITY BANK |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | EMMET MI |
| Property Address | 1656 BESTER RD, HARBOR SPRINGS, MI 49740-8616 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 1199/0309 |
|---|---|
| Date | Nov 14, 2017 |
| Book Page | 1199/0309 |
| Instrument | 5152192 |
| Name | FIRST COMMUNITY BANK |
|---|---|
| Type | Bank |
| Address | HARBOR SPRINGS, MI 49740 |
| Amount | Amount Recorded |
|---|---|
| Term | 62 Months |
| Due | Jan 13, 2023 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | EMMET MI |
| Property Address | 1656 BESTER RD, HARBOR SPRINGS, MI 49740-8616 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|---|
| Address | 1656 BESTER RD, HARBOR SPRINGS, MI 49740-8616 |
| Document Number | 0000001227/0000000286 |
|---|---|
| Date | Nov 18, 2020 |
| Book Page | 0000001227/0000000286 |
| Instrument | 5180235 |
| Name | AMERIFIRST FINANCIAL |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 1, 2050 |
Source: Emmet County assessment roll, as of July 21, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Emmet County |
| County Subdivision | Little Traverse Township |
| Unified School District | Harbor Springs School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $361,600 (+20.65%) Land $361,600 | $723,200 (+20.65%) Land $723,200 | |
| 2025 | $299,700 (+57.24%) Land $299,700 | $599,400 (+57.24%) Land $599,400 | |
| 2024 | $4,019.00 | ||
| 2023 | $190,600 Land $190,600 | $381,200 Land $381,200 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective May 31, 2022
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
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 | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 29 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Truestream Fiber | 1,000 / 1,000 |
| Spectrum Cable | 1,000 / 1,000 |
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