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

Emmet County property record for 355 E 3rd St, Harbor Springs, MI 49740

Property Summary

Property Type	Condominium
Details	2.5 ba · 1,848 sqft
Owner	2 Individual Names on Record
Last Sale	$749,000 (Aug 2024)
Tax Bill	$9,217 (2024)
Deeds & Mortgages	Jun 2026 Mortgage Dec 2022 Mortgage + 5 more
Flood Zone	Zone X (minimal risk)
APN	`51-15-13-227-102`

Property Details

APN / Parcel Number

Primary APN	`51-15-13-227-102`

Interior

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

Exterior

Architectural Style	Condo/Apartment

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	355 E 3RD ST
City	HARBOR SPRINGS
State	MI
Zip	49740-1526
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	COHS R-2
Legal Description	BLUFF SIDE CONDOMINIUM, UNIT 2. PLAN #190, SECTION 13, T35N, R6W
Legal Range	06W
Legal Township	35N
Legal Section	13
Legal Subdivision	BLUFF SIDE CONDOMINIUM
Legal Unit	2
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 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	518 FOREST AVE, WILMETTE, IL 60091-1924
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 15, 2026	Deed of Trust, Mortgage · Conventional Mortgage NEWREZ LLC
Dec 1, 2022	Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA
Feb 17, 2022	Quit Claim Deed, Transfer Quitclaim
Oct 23, 2018	Deed of Trust, Mortgage · ARM CHEMICAL BANK
Apr 27, 2020	Deed of Trust, Mortgage · Conventional Mortgage NORTHPOINTE BANK
Jul 31, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance HOMESTEAD FUNDING CORP
Oct 23, 2018	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 1, 2024 · Amount on Record
Deed Sale	Aug 1, 2024 · Amount on Record
Prior Sale	Feb 17, 2022
Deed Document Number	20245214299
Deed Book / Page	1261 / 286
Prior Transfer Date	Jan 31, 2022
Prior Transfer Doc	001241/636
Record Updated	Sep 20, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EMMET MI
Recording Date	Jun 15, 2026
Property Address	355 E 3RD ST, HARBOR SPRINGS, MI 49740-1526
Document Number	0005228776
Book / Page	1275 / 727
Instrument Date	Jun 8, 2026
Instrument	20265228776
Transaction Type	Mortgage
Record Updated	Jul 13, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0005228776,
Date	Jun 15, 2026
Book Page	1275/727
Instrument	20265228776

Lender

Name	NEWREZ LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jun 1, 2041

Interest

Rate	5.72%
Max Rate	-1%

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EMMET MI
Property Address	355 E 3RD ST, HARBOR SPRINGS, MI 49740-1526
Transaction Type	Mortgage
Record Updated	Dec 12, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	355 E 3RD ST, HARBOR SPRINGS, MI 49740-1526

Mortgage

Document Number	0000001248/0000000818
Date	Dec 1, 2022
Book Page	0000001248/0000000818
Instrument	5201788

Lender

Name	BANK OF AMERICA

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2052

February 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	EMMET MI
Recording Date	Feb 17, 2022
Property Address	355 E 3RD ST, HARBOR SPRINGS, MI 49740-1526
Document Number	001241/636
Book / Page	1241 / 636
Instrument Date	Jan 31, 2022
Instrument	5194610
Transaction Type	Transfer
Record Updated	Mar 4, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	829 MOORINGS DR, ADA, MI 49301-9451

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EMMET MI
Property Address	355 E 3RD ST, HARBOR SPRINGS, MI 49740-1526
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000001207/0000000485
Date	Oct 23, 2018
Book Page	0000001207/0000000485
Instrument	000005160379

Lender

Name	CHEMICAL BANK
Type	Bank

Agreement

Type	ARM
Amount	Amount Recorded
Term	351 Months
Due	Jan 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	4%
Type Change Date	Nov 1, 2023
Index	1-Year LIBOR

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EMMET MI
Property Address	355 E 3RD ST, HARBOR SPRINGS, MI 49740-1526
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	355 E 3RD ST, HARBOR SPRINGS, MI 49740-1526

Mortgage

Document Number	0000001221/0000000123
Date	Apr 27, 2020
Book Page	0000001221/0000000123
Instrument	5174066

Lender

Name	NORTHPOINTE BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jan 1, 2035

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EMMET MI
Property Address	355 E 3RD ST, HARBOR SPRINGS, MI 49740-1526
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1213/825
Date	Jul 31, 2019
Book Page	1213/825
Instrument	5166745

Lender

Name	HOMESTEAD FUNDING CORP
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	181 Months
Due	Aug 1, 2034

October 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EMMET MI
Recording Date	Oct 23, 2018
Property Address	355 E 3RD ST, HARBOR SPRINGS, MI 49740-1526
Document Number	1207/484
Book / Page	1207 / 484
Instrument Date	Oct 12, 2018
Instrument	000005160378
Transaction Type	Transfer
Record Updated	Jun 22, 2021

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	829 MOORINGS DR, ADA, MI 49301-9451

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		$401,200 (+6.93%) Land $401,200	$802,400 (+6.93%) Land $802,400
2025		$375,200 (+8.97%) Land $375,200	$750,400 (+8.97%) Land $750,400
2024	$9,217.00
2023		$344,300 Land $344,300	$688,600 Land $688,600

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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