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

Emmet County property record for 348 E 3rd St, Harbor Springs, MI 49740

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 1,848 sqft · built 1997
Lot Size	0.093 acres (4,051 sqft)
Owner	2 Individual Names on Record
Last Sale	$700,000 (Sep 2022)
Tax Bill	$11,762 (2024)
Deeds & Mortgages	Sep 2022 Sale & Mortgage Apr 2020 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`51-15-13-226-015`

Property Details

APN / Parcel Number

Primary APN	`51-15-13-226-015`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,848 sqft Living Area
1st Floor Area	1,056 sqft
Basement Area	1,056 sqft
Unfinished Basement	1,056 sqft

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Lot Area	4,051 sqft (0.093 acres)
Lot Dimensions	70 ft deep x 58 ft wide

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	348 E 3RD ST
City	HARBOR SPRINGS
State	MI
Zip	49740-1536
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	COHS CBD
Legal Description	ISAAC WHICHER'S SURVEY, BLK 8, PT OF LOTS 2 & 3 COM 1030.9 FT N OF W 1/4 COR, TH E 2767.6 FT, TH ALG N LN OF S 1/2 OF BLK 8
Legal Range	06W
Legal Township	35N
Legal Section	13
Legal Subdivision	ISAAC WHICHERS SURV
Legal Block	8
Legal Lot Number	2-3,W
Jurisdiction	EMMET MI
Township / Civil Division	HARBOR SPRINGS
Census Block Group	4
Census Block	4027
Census Tract	970400

Owner

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	199 TOWER FARM RD, LITCHFIELD, CT 06759
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 20, 2022	Warranty Deed, Subdivision Related Transfer · Conventional Mortgage MERCANTILE BANK
Apr 1, 2020	Deed, Transfer
Aug 30, 2018	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 20, 2022 · Amount on Record
Deed Sale	Sep 20, 2022 · Amount on Record
Prior Sale	Aug 30, 2018 · Amount on Record
Deed Document Number	20225200169
Deed Book / Page	1247 / 200
Record Updated	Sep 20, 2026

September 2022: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	EMMET MI
Recording Date	Sep 20, 2022
Property Address	348 E 3RD ST, HARBOR SPRINGS, MI 49740-1536
Document Number	001247/200
Book / Page	1247 / 200
Instrument Date	Sep 12, 2022
Instrument	5200169
Transaction Type	Subdivision Related Transfer
Record Updated	Oct 4, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	199 TOWER FARM RD, LITCHFIELD, CT 06759

Mortgage

Document Number	0005200170
Date	Sep 20, 2022
Instrument	5200170

Lender

Name	MERCANTILE BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	352 Months
Due	Jan 1, 2052

April 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	EMMET MI
Recording Date	Apr 1, 2020
Property Address	348 E 3RD ST, HARBOR SPRINGS, MI 49740-1536
Document Number	1220/391
Book / Page	1220 / 391
Instrument Date	Mar 23, 2020
Instrument	5173335
Transaction Type	Transfer
Record Updated	Jun 22, 2021

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	443 DOUGLAS AVE, HOLLAND, MI 49424-2748

August 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EMMET MI
Recording Date	Aug 30, 2018
Property Address	348 E 3RD ST, HARBOR SPRINGS, MI 49740-1536
Document Number	1206/218
Book / Page	1206 / 218
Instrument Date	Aug 24, 2018
Instrument	000005159112
Transaction Type	Transfer
Record Updated	Jun 22, 2021

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	262 RIVERBEND DR, BERMUDA RUN, NC 27006-8501

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		$562,700 (+9.28%) Land $562,700	$1,125,400 (+9.28%) Land $1,125,400
2025		$514,900 (+101.37%) Land $514,900	$1,029,800 (+101.37%) Land $1,029,800
2024	$11,762.00
2023		$255,700 Land $255,700	$511,400 Land $511,400

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.

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.

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