Emmet County property record for 294 E 3rd St, Harbor Springs, MI 49740
| Property Type | Commercial Condominium |
|---|---|
| Details | 2,378 sqft · built 1920 |
| Lot Size | 0.002 acres (114 sqft) |
| Owner | Individual Name on File |
| Last Sale | $191,000 (Oct 2012) |
| Tax Bill | $4,811 (2024) |
| Deeds & Mortgages | Jul 2021 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 51-15-13-181-104 |
| Primary APN | 51-15-13-181-104 |
|---|
| Stories | 1 Story |
|---|---|
| Building Area | 2,378 sqft Building Perimeter |
| Year Built | Built 1920 |
|---|---|
| Effective Year Built | Effective 1920 |
| Fire Resistance | Fireproof Steel Frame |
| Lot Area | 114 sqft (0.002 acres) |
| Street Address | 294 E 3RD ST |
|---|---|
| City | HARBOR SPRINGS |
| State | MI |
| Zip | 49740-1535 |
| Property Category | Commercial |
| Property Type | Commercial > Retail > Commercial Condominium |
| Local Zoning Code | COHS CBD |
| Legal Description | HARBOR GALLERIA CONDOMINIUM, PLAN 57, UNIT 4. SECTION 13, T35N, R6W |
| Legal Range | 06W |
| Legal Township | 35N |
| Legal Section | 13 |
| Legal Subdivision | HARBOR GALLERIA CONDOMINIUM |
| Legal Unit | 4 |
| Jurisdiction | EMMET MI |
| Township / Civil Division | HARBOR SPRINGS |
| Census Block Group | 4 |
| Census Block | 4026 |
| Census Tract | 970400 |
294 E 3rd St, a commercial property, is owned by an individual who acquired it in February 2015.
Source: Emmet County records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 28415 STREAMWOOD LN, SOUTHFIELD, MI 48034-5123 |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 18, 2012 · Amount on File |
| Deed Sale | Oct 18, 2012 · Amount on File |
| Prior Sale | Dec 19, 2006 |
| Deed Document Number | 20125102303 |
| Deed Book / Page | 1149 / 680 |
| Last Transfer Date | Feb 19, 2015 |
| Transfer Doc | 01174/0023 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | EMMET MI |
| Recording Date | Jul 13, 2021 |
| Property Address | 294 E 3RD ST, HARBOR SPRINGS, MI 49740-1535 |
| Document Number | 001235/103 |
| Book / Page | 1235 / 103 |
| Instrument Date | Jul 2, 2021 |
| Instrument | 5188066 |
| Transaction Type | Transfer |
| Record Updated | Jul 11, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 28415 STREAMWOOD LN, SOUTHFIELD, MI 48034-5123 |
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 | $119,600 Land $119,600 | $239,200 Land $239,200 | |
| 2024 | $4,811.00 | ||
| 2023 | $113,900 Land $113,900 | $227,800 Land $227,800 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 294 E 3rd St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| 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 risk around 294 E 3rd 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.
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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