309 E 3rd St, Harbor Springs, MI 49740 Property Records

Emmet County property record for 309 E 3rd St, Harbor Springs, MI 49740

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 959 sqft · built 1920
Lot Size	0.064 acres (2,788 sqft)
Owner	Individual Name on Record
Last Sale	$100,000 (Dec 2004)
Tax Bill	$2,320 (2024)
Deeds & Mortgages	Apr 2022 Mortgage Mar 2022 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`51-15-13-176-003`

Property Details

APN / Parcel Number

Primary APN	`51-15-13-176-003`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	959 sqft Living Area
1st Floor Area	779 sqft

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Exterior Material	Stucco
Lot Area	2,788 sqft (0.064 acres)
Lot Dimensions	92 ft deep x 30 ft wide

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	309 E 3RD ST
City	HARBOR SPRINGS
State	MI
Zip	49740-1526
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	COHS R-2
Legal Description	ISAAC WHICHER'S SURVEY, BLK 1, W 1/2 OF LOT 5. SECTION 13, T35N, R6W
Legal Range	06W
Legal Township	35N
Legal Section	13
Legal Subdivision	ISAAC WHICHERS SURV
Legal Block	1
Legal Lot Number	5
Jurisdiction	EMMET MI
Township / Civil Division	HARBOR SPRINGS
Census Block Group	4
Census Block	4024
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	Individual Name on Record
Mailing Address	PO BOX 643, HARBOR SPRINGS, MI 49740-0643
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 12, 2022	Deed of Trust, Mortgage · Conventional Mortgage MERCANTILE BANK
Mar 28, 2022	Warranty Deed, Transfer
Jan 4, 2022	Deed of Trust, Mortgage · Conventional Mortgage MERCANTILE BANK OF MICHIGAN

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 3, 2004 · Amount on Record
Deed Sale	Dec 3, 2004 · Amount on Record
Prior Sale	Mar 19, 1999
Deed Book / Page	1059 / 776
Last Transfer Date	Mar 15, 2022
Transfer Doc	0005195808
Record Updated	Oct 29, 2026

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EMMET MI
Property Address	309 E 3RD ST, HARBOR SPRINGS, MI 49740-1526
Transaction Type	Mortgage
Record Updated	May 2, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	309 E 3RD ST, HARBOR SPRINGS, MI 49740-1526

Mortgage

Document Number	0000001243/0000000166
Date	Apr 12, 2022
Book Page	0000001243/0000000166
Instrument	5196138

Lender

Name	MERCANTILE BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

March 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EMMET MI
Recording Date	Mar 28, 2022
Property Address	309 E 3RD ST, HARBOR SPRINGS, MI 49740-1526
Document Number	001242/835
Book / Page	1242 / 835
Instrument Date	Mar 15, 2022
Instrument	5195808
Transaction Type	Transfer
Record Updated	Apr 18, 2022

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	180 W 3RD ST, HARBOR SPRINGS, MI 49740-1430

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EMMET MI
Property Address	309 E 3RD ST, HARBOR SPRINGS, MI 49740-1526
Transaction Type	Mortgage
Record Updated	Jan 31, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	309 E 3RD ST, HARBOR SPRINGS, MI 49740-1526

Mortgage

Document Number	0000001240/0000000478
Date	Jan 4, 2022
Book Page	0000001240/0000000478
Instrument	5193453

Lender

Name	MERCANTILE BANK OF MICHIGAN

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jan 1, 2037

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		$184,700 (+54.43%) Land $184,700	$369,400 (+54.43%) Land $369,400
2024	$2,320.00
2023		$119,600 Land $119,600	$239,200 Land $239,200

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 380 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

May also be available: AT&T.

Nearby Properties on E 3rd St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures