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

Emmet County property record for 377 E 3rd St, Harbor Springs, MI 49740

Property Summary

Property TypeCondominium
Details4 bd · 2.5 ba · 1,700 sqft · built 1890
OwnerIndividual Name on File
Last Sale$240,000 (Nov 2008)
Tax Bill$4,179 (2024)
Deeds & MortgagesMar 2026 Mortgage
Mar 2026 Mortgage
Flood ZoneZone X (minimal risk)
APN51-15-13-228-101

Property Details

APN / Parcel Number

Primary APN51-15-13-228-101

Interior

Bedrooms4 Beds
Full Baths2.5 Baths
Half Baths1 Half Bath
Stories2 Stories
Building Area1,700 sqft Living Area
1st Floor Area850 sqft

Exterior

Year BuiltBuilt 1890
Effective Year BuiltEffective 1890
Architectural StyleCondo/Apartment

Utilities, Heating & Cooling

Heating SystemForced Air with A/C

Location & Zoning

Street Address377 E 3RD ST
CityHARBOR SPRINGS
StateMI
Zip49740-1526
Property CategoryResidential
Property TypeResidential > Condominium / Townhouse > Condominium
Local Zoning CodeCOHS R-2
Legal DescriptionPROVENCE EAST AND WEST CONDO, UNIT 1. PLAN 242, SECTION 13, T35N, R6W
Legal Range06W
Legal Township35N
Legal Section13
Legal SubdivisionPROVENCE EAST AND WEST
Legal Unit1
JurisdictionEMMET MI
Township / Civil DivisionHARBOR SPRINGS
Census Block Group4
Census Block4024
Census Tract970400

Owner

Source: Emmet County records · APN 51-15-13-228-101

Assessment roll updated July 21, 2026 · Last verified July 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of RecordIndividual Name on File
Mailing Address377 E 3RD ST, HARBOR SPRINGS, MI 49740-1526
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Mar 02, 2026Deed of Trust, Mortgage · Conventional Mortgage
MUTUAL OF OMAHA MORTGAGE
Mar 02, 2026Deed of Trust, Mortgage · Conventional Mortgage
MUTUAL OF OMAHA MORTGAGE

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleNov 04, 2008 · Amount on Record
Deed SaleNov 04, 2008 · Amount on Record
Prior SaleFeb 17, 2004
Deed Document Number20085059716
Deed Book / Page1107 / 264
Record UpdatedSep 20, 2026

March 2026: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionEMMET MI
Property Address377 E 3RD ST, HARBOR SPRINGS, MI 49740-1526
Transaction TypeMortgage
Record UpdatedMar 23, 2026

Transferred To (Grantee/Buyer)

NameVerified Name
Address377 E 3RD ST, HARBOR SPRINGS, MI 49740-1526

Mortgage

Document Number0000001273/0000000405
DateMar 02, 2026
Book Page0000001273/0000000405
Instrument5226455
Lender
NameMUTUAL OF OMAHA MORTGAGE
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueJan 01, 2056

March 2026: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionEMMET MI
Property Address377 E 3RD ST, HARBOR SPRINGS, MI 49740-1526
Transaction TypeMortgage
Record UpdatedMar 16, 2026

Transferred To (Grantee/Buyer)

NameVerified Name
Address377 E 3RD ST, HARBOR SPRINGS, MI 49740-1526

Mortgage

Document Number0000001273/0000000405
DateMar 02, 2026
Book Page0000001273/0000000405
Instrument5226455
Lender
NameMUTUAL OF OMAHA MORTGAGE
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueJan 01, 2056

Tax Assessment & Valuation

Source: Emmet County records · Assessment roll updated July 21, 2026 · Last verified July 2026

Property Jurisdictions

TypeName
StateMichigan
CountyEmmet County
MunicipalityHarbor Springs City
Unified School DistrictHarbor Springs School District (KG - 12)

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

YearTax BillAssessed ValueAssessed Market Value
2026$425,400 (+19.26%) Land $425,400$850,800 (+19.26%) Land $850,800
2025$356,700 (+24.46%) Land $356,700$713,400 (+24.46%) Land $713,400
2024$4,179.00
2023$286,600 Land $286,600$573,200 Land $573,200

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of May 31, 2022 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 11 policies
Nearby Flood Policies11 in force
Nearby Flood Claims1 (2026)
Claims Outside the SFHA1 of 1
Most Recent ClaimJul 2026 · rainfall accumulation

Wildfire

Wildfire RiskLow
lower than 80% of the US · above 51% of Michigan
Wildfire Likelihood0.01% annual chance
ExposureNone
beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

ProviderMax 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.

Based on FCC filings for 380 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water SystemCITY OF HARBOR SPRINGS
serves 1,194 people
Water SourceGroundwater
Last State InspectionDec 2024
Lead2 ppb (2022–2024)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting1
last 3 years

Results are for the whole water system as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.

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