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

Emmet County property record for 195 E Bluff Dr, Harbor Springs, MI 49740

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 3,984 sqft · built 1920
Lot Size	0.297 acres (12,937 sqft)
Owner	2 Individual Names on Record
Tax Bill	$34,701 (2024)
Deeds & Mortgages	Dec 2017 Sale
Flood Zone	Zone X (minimal risk)
APN	`51-15-13-102-121`

Property Details

APN / Parcel Number

Primary APN	`51-15-13-102-121`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	3,984 sqft Living Area
1st Floor Area	2,057 sqft
Basement Area	1,970 sqft
Unfinished Basement	1,970 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Exterior Material	Wood Siding
Lot Area	12,937 sqft (0.297 acres)
Lot Dimensions	185 ft deep x 70 ft wide
Garage Area	399 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	195 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, PT OF LOT 7, SECTION 13, BEG AT N LN OF BLUFF ST & W LN OF SPRING ST AS MON IN LOT 7 OF SD PLAT, TH S2?41?40?W 128.04 FT TO AN INTER TRAV LN, TH ALG SD TRAV LN S79?06?23?W 72.31 FT, TH N2?41?40?E 344.96 FT, TH S86?50?20?E 70.29 FT
Legal Range	06W
Legal Township	35N
Legal Section	13
Legal Subdivision	S13 T35N R6W
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	376 W COUNTY LINE RD, BARRINGTON, IL 60010-9635
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 21, 2003
Deed Sale	Nov 21, 2003
Prior Sale	Aug 25, 1999
Deed Book / Page	1029 / 789
Last Transfer Date	May 30, 2010
Transfer Doc	1126/43
Record Updated	Oct 29, 2026

December 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EMMET MI
Recording Date	Dec 5, 2017
Property Address	195 E BLUFF DR, HARBOR SPRINGS, MI 49740-1501
Document Number	1199/0895
Book / Page	1199 / 0895
Instrument Date	Nov 29, 2017
Instrument	5152778
Transaction Type	Transfer
Record Updated	Jun 22, 2021
Title Company	ATTORNEY'S TITLE, ATTORNEYS TITLE AGENCY LLC

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2109 WALLINGFORD RD, 2109, ANN ARBOR, MI 48104-4523

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	376 W COUNTY LINE RD, BARRINGTON, IL 60010-9635

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		$1,260,600 (+13.58%) Land $1,260,600	$2,521,200 (+13.58%) Land $2,521,200
2025		$1,109,900 (+28.13%) Land $1,109,900	$2,219,800 (+28.13%) Land $2,219,800
2024	$34,701.00
2023		$866,200 Land $866,200	$1,732,400 Land $1,732,400

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 237 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
Starlink Satellite	280 / 30