Emmet County property record for 229 E 3rd St, Harbor Springs, MI 49740
| Property Type | Commercial |
|---|---|
| Details | 682 sqft · built 1935 |
| Lot Size | 0.121 acres (5,271 sqft) |
| Owner | Company Name on Record |
| Last Sale | $208,000 (May 2010) |
| Tax Bill | $3,927 (2024) |
| Deeds & Mortgages | May 2022 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 51-15-13-176-009 |
| Primary APN | 51-15-13-176-009 |
|---|
| Stories | 1 Story |
|---|---|
| Building Area | 682 sqft Total Area |
| 1st Floor Area | 682 sqft |
| Year Built | Built 1935 |
|---|---|
| Effective Year Built | Effective 1935 |
| Fire Resistance | Wood or Wood & Steel Frame |
| Lot Area | 5,271 sqft (0.121 acres) |
| Lot Dimensions | 160 ft deep x 33 ft wide |
| Patio Area | 1,300 sqft |
| Street Address | 229 E 3RD ST |
|---|---|
| City | HARBOR SPRINGS |
| State | MI |
| Zip | 49740-1534 |
| Property Category | Commercial |
| Property Type | Commercial > Retail |
| Local Zoning Code | COHS B-1 |
| Legal Description | ISAAC WHICHER'S SURVEY, BLK 2, W 1/2 OF LOT 3. SECTION 13, T35N, R6W |
| Legal Range | 06W |
| Legal Township | 35N |
| Legal Section | 13 |
| Legal Subdivision | ISAAC WHICHERS SURV |
| Legal Block | 2 |
| Legal Lot Number | 3 |
| Jurisdiction | EMMET MI |
| Township / Civil Division | HARBOR SPRINGS |
| Census Block Group | 4 |
| Census Block | 4024 |
| 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 | Company Name on Record |
|---|---|
| Mailing Address | 229 E 3RD ST, HARBOR SPRINGS, MI 49740-1534 |
| Owner Type | Company |
| Vesting | Company |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 3, 2010 · Amount on Record |
| Deed Sale | May 3, 2010 · Amount on Record |
| Prior Sale | Mar 1, 1986 |
| Deed Book / Page | 1123 / 245 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | EMMET MI |
| Property Address | 229 E 3RD ST, HARBOR SPRINGS, MI 49740-1534 |
| Transaction Type | Mortgage |
| Record Updated | Aug 12, 2022 |
| Name | Verified Name |
|---|---|
| Address | 229 E 3RD ST, HARBOR SPRINGS, MI 49740-1534 |
| Document Number | 0000001243/0000000602 |
|---|---|
| Date | May 2, 2022 |
| Book Page | 0000001243/0000000602 |
| Instrument | 5196574 |
| Name | ST FRANCIS X FEDERAL CREDIT UNION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Jan 1, 2037 |
Source: Emmet County assessment roll, as of July 21, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Emmet County |
| Municipality | Harbor Springs City |
| Unified School District | Harbor Springs School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $105,200 (+24.64%) Building $105,200 | $210,400 (+24.64%) Building $210,400 | |
| 2024 | $3,927.00 | ||
| 2023 | $84,400 Building $84,400 | $168,800 Building $168,800 |
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.
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.
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.
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 |
| 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.
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 |
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