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

Emmet County property record for 356 E 3rd St, Harbor Springs, MI 49740

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,274 sqft
Lot Size	0.06 acres (2,614 sqft)
Owner	2 Individual Names on Record
Last Sale	$650,000 (Jan 2022)
Tax Bill	$11,394 (2024)
Deeds & Mortgages	May 2026 Sale Jan 2022 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`51-15-13-226-014`

Property Details

APN / Parcel Number

Primary APN	`51-15-13-226-014`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,274 sqft Living Area
1st Floor Area	2,312 sqft
Basement Area	625 sqft
Unfinished Basement	796 sqft

Exterior

Architectural Style	Other
Exterior Material	Wood Siding
Fire Resistance	Wood or Wood & Steel Frame
Lot Area	2,614 sqft (0.06 acres)
Lot Dimensions	66 ft deep x 36 ft wide
Patio Area	500 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	356 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, LOT 2, BLK 8 IN SECTION 13, COM 37 FT W OF NE COR OF LOT 2, TH E 37 FT TO NE COR OF SD LOT, TH S'LY ALG E LOT LN TO PT 4 FT N OF CTR OF LOT 2, TH W'LY 33 FT, TH N'LY 74.2 FT TO POB. EXC COM AT NE COR OF LOT 2, TH S72?16'W 37 F
Legal Range	06W
Legal Township	35N
Legal Section	13
Legal Subdivision	ISAAC WHICHERS SURVEY
Legal Block	8
Legal Lot Number	2
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 October 20, 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	3668 ORCHARD LAKE RD, WEST BLOOMFIELD, MI 48324-1641
Owner Type	Individual
Vesting	Individual(s)

Deeds, Mortgages & Sale History

Date	Document
May 1, 2026	Deed, Transfer
Jan 7, 2022	Warranty Deed, Transfer
Feb 25, 2020	Quit Claim Deed, Transfer · Conventional Mortgage KAYE FINANCIAL

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 7, 2022 · Amount on Record
Deed Sale	Jan 7, 2022 · Amount on Record
Prior Sale	Aug 15, 2012 · Amount on Record
Deed Document Number	20225193598
Deed Book / Page	1240 / 623
Prior Transfer Date	Feb 24, 2020
Prior Transfer Doc	001219/599
Record Updated	Oct 29, 2026

May 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	EMMET MI
Recording Date	May 1, 2026
Property Address	356 E 3RD ST, HARBOR SPRINGS, MI 49740-1536
Document Number	001274/801
Book / Page	1274 / 801
Instrument Date	Apr 28, 2026
Instrument	2026.5227850
Transaction Type	Transfer
Record Updated	May 12, 2026

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3668 ORCHARD LAKE RD, WEST BLOOMFIELD, MI 48324-1641

January 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EMMET MI
Recording Date	Jan 7, 2022
Property Address	356 E 3RD ST, HARBOR SPRINGS, MI 49740-1536
Document Number	001240/623
Book / Page	1240 / 623
Instrument Date	Dec 29, 2021
Instrument	5193598
Transaction Type	Transfer
Record Updated	Aug 12, 2022

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	1600 E HICKORY RIDGE TRL, MILFORD, MI 48380

February 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	EMMET MI
Recording Date	Feb 25, 2020
Property Address	356 E 3RD ST, HARBOR SPRINGS, MI 49740-1536
Document Number	001219/599
Book / Page	1219 / 599
Instrument Date	Feb 24, 2020
Instrument	5172542
Transaction Type	Transfer
Record Updated	Aug 12, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	933 N SHERMAN DR, ROYAL OAK, MI 48067-2270

Mortgage

Document Number	0005172543
Date	Feb 25, 2020
Instrument	5172543

Lender

Name	KAYE FINANCIAL

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	179 Months
Due	Jan 1, 2035

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		$488,000 (+17.93%) Building $488,000	$976,000 (+17.93%) Building $976,000
2025		$413,800 (+38.03%) Building $413,800	$827,600 (+38.03%) Building $827,600
2024	$11,394.00
2023		$299,800 Building $299,800	$599,600 Building $599,600

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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