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

Emmet County property record for 361 E 3rd St, Harbor Springs, MI 49740

Property Summary

Property Type	Condominium
Details	2.5 ba · 1,878 sqft
Lot Size	0.017 acres (775 sqft)
Owner	Company Name on Record
Last Sale	$765,000 (Jul 2023)
Tax Bill	$11,458 (2024)
Deeds & Mortgages	Jul 2023 Sale Jul 2023 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`51-15-13-227-101`

Property Details

APN / Parcel Number

Primary APN	`51-15-13-227-101`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,878 sqft Living Area
1st Floor Area	1,878 sqft

Exterior

Architectural Style	Condo/Apartment
Exterior Material	Wood Siding
Lot Area	775 sqft
Garage Area	250 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	361 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 1. PLAN #190, SECTION 13, T35N, R6W
Legal Range	06W
Legal Township	35N
Legal Section	13
Legal Subdivision	BLUFF SIDE CONDOMINIUM
Legal Unit	1
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	Company Name on Record
Mailing Address	555 E BAY ST, HARBOR SPRINGS, MI 49740-1607
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Jul 14, 2023	Warranty Deed, Transfer CHICAGO TITLE MERIDIAN, CHICAGO TITLE OF MICHIGAN
Jul 14, 2023	Warranty Deed, Transfer
Sep 16, 2022	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 14, 2023 · Amount on Record
Deed Sale	Jul 14, 2023 · Amount on Record
Prior Sale	Sep 16, 2022 · Amount on Record
Deed Document Number	20235206446
Deed Book / Page	1253 / 454
Prior Transfer Date	Dec 12, 2005
Prior Transfer Doc	1073000628
Record Updated	Oct 29, 2026

July 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EMMET MI
Recording Date	Jul 14, 2023
Property Address	361 E 3RD ST, HARBOR SPRINGS, MI 49740-1526
Document Number	001253/454
Book / Page	1253 / 454
Instrument Date	Jul 13, 2023
Instrument	5206446
Transaction Type	Transfer
Record Updated	Aug 3, 2023
Title Company	CHICAGO TITLE MERIDIAN, CHICAGO TITLE OF MICHIGAN

Transaction

Amount	Amount Recorded
Tax	$65.79
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	555 E BAY ST, HARBOR SPRINGS, MI 49740-1607

July 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EMMET MI
Recording Date	Jul 14, 2023
Property Address	361 E 3RD ST, HARBOR SPRINGS, MI 49740-1526
Document Number	001253/454
Book / Page	1253 / 454
Instrument Date	Jul 13, 2023
Instrument	5206446
Transaction Type	Transfer
Record Updated	Jul 24, 2023

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	555 E BAY ST, HARBOR SPRINGS, MI 49740-1607

September 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EMMET MI
Recording Date	Sep 16, 2022
Property Address	361 E 3RD ST, HARBOR SPRINGS, MI 49740-1526
Document Number	001247/135
Book / Page	1247 / 135
Instrument Date	Sep 14, 2022
Instrument	5200104
Transaction Type	Transfer
Record Updated	Sep 23, 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	22864 POPLAR BEACH DR, SAINT CLAIR SHORES, MI 48081-1320

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		$405,500 (+16.66%) Land $405,500	$811,000 (+16.66%) Land $811,000
2024	$11,458.00
2023		$347,600 Land $347,600	$695,200 Land $695,200

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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