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

Emmet County property record for 404 E 3rd St, Harbor Springs, MI 49740

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,247 sqft · built 1900
Lot Size	0.083 acres (3,615 sqft)
Owner	Company Name on Record
Last Sale	$405,600 (Oct 2020)
Tax Bill	$5,660 (2024)
Deeds & Mortgages	Sep 2019 Refinance Oct 2020 Sale + 2 more
Flood Zone	Zone X (minimal risk)
APN	`51-15-13-226-011`

Property Details

APN / Parcel Number

Primary APN	`51-15-13-226-011`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	1,247 sqft Living Area
1st Floor Area	770 sqft
Basement Area	770 sqft
Unfinished Basement	770 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Exterior Material	Stucco
Lot Area	3,615 sqft (0.083 acres)
Lot Dimensions	55 ft deep x 66 ft wide
Garage Area	432 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	404 E 3RD ST
City	HARBOR SPRINGS
State	MI
Zip	49740-1538
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	COHS R-1-C
Legal Description	ISAAC WHICHER'S SURVEY, BLK 9, THAT PT OF LOT 9 LYING N OF E-W LN 100 FT N OF & PAR'L WITH N LN OF MAIN ST. SECTION 13, T35N, R6W.
Legal Range	06W
Legal Township	35N
Legal Section	13
Legal Subdivision	ISAAC WHICHERS SURVEY PLAT SUBDIVISION
Legal Block	9
Legal Lot Number	9
Jurisdiction	EMMET MI
Township / Civil Division	HARBOR SPRINGS
Census Block Group	4
Census Block	4023
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	2311 BRIDLEWOOD DR, HUDSONVILLE, MI 49426-8479
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Sep 27, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance MERCANTILE BANK
Oct 1, 2020	Warranty Deed, Transfer
Mar 28, 2019	Warranty Deed, Transfer NOT AVAILABLE, CHARLEVOIX TITLE
Jun 9, 2017	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 1, 2020 · Amount on Record
Deed Sale	Oct 1, 2020 · Amount on Record
Prior Sale	Mar 28, 2019 · Amount on Record
Deed Document Number	20205178591
Deed Book / Page	1225 / 641
Record Updated	Oct 29, 2026

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EMMET MI
Property Address	404 E 3RD ST, HARBOR SPRINGS, MI 49740-1538
Transaction Type	Mortgage
Record Updated	Aug 12, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001215/543
Date	Sep 27, 2019
Book Page	1215/543
Instrument	5168461

Lender

Name	MERCANTILE BANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EMMET MI
Recording Date	Oct 1, 2020
Property Address	404 E 3RD ST, HARBOR SPRINGS, MI 49740-1538
Document Number	001225/641
Book / Page	1225 / 641
Instrument Date	Sep 17, 2020
Instrument	5178591
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	2311 BRIDLEWOOD DR, HUDSONVILLE, MI 49426-8479

March 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EMMET MI
Recording Date	Mar 28, 2019
Property Address	404 E 3RD ST, HARBOR SPRINGS, MI 49740-1538
Document Number	001210/803
Book / Page	1210 / 803
Instrument Date	Mar 27, 2019
Instrument	5163723
Transaction Type	Transfer
Record Updated	Aug 12, 2022
Title Company	NOT AVAILABLE, CHARLEVOIX TITLE

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	44SW GRANDVILLE AVE SW, GRAND RAPIDS, MI 49503

June 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EMMET MI
Recording Date	Jun 9, 2017
Property Address	404 E 3RD ST, HARBOR SPRINGS, MI 49740-1538
Document Number	01195/0432
Book / Page	1195 / 0432
Instrument Date	Jun 6, 2017
Instrument	5148307
Transaction Type	Transfer
Record Updated	Aug 12, 2022

Transaction

Amount	Amount Recorded
Tax	$1,591.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1041 ANN ST, 1041, HARBOR SPRINGS, MI 49740-1023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	901 SPRING DR, NORTHVILLE, MI 48167-1325

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		$511,300 (+123.67%) Land $511,300	$1,022,600 (+123.67%) Land $1,022,600
2024	$5,660.00
2023		$228,600 Land $228,600	$457,200 Land $457,200

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

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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