415 Maple St, Harbor Springs, MI 49740 Property Records

Emmet County property record for 415 Maple St, Harbor Springs, MI 49740

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,792 sqft · built 2004
Lot Size	0.4 acres (17,424 sqft)
Owner	Company Name on Record
Last Sale	$1,832 (Mar 2026)
Tax Bill	$3,418 (2024)
Deeds & Mortgages	Mar 2026 Foreclosure Jan 2026 Foreclosure + 1 more
Flood Zone	Zone X (minimal risk)
APN	`51-15-13-203-023`

Property Details

APN / Parcel Number

Primary APN	`51-15-13-203-023`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	1,792 sqft Living Area
1st Floor Area	1,792 sqft
Basement Area	1,792 sqft
Unfinished Basement	1,792 sqft

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Exterior Material	Stucco
Lot Area	17,424 sqft (0.4 acres)
Lot Dimensions	132 ft deep x 132 ft wide

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	415 MAPLE ST
City	HARBOR SPRINGS
State	MI
Zip	49740-1309
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	COHS R-1-C
Legal Description	J.C. GLENN'S PLAT, COM 365 FT N & 511 FT W OF SE COR OF LOT 4, TH W 132 FT, N 132 FT, E 132 FT, S 132 FT TO POB SECTION 13, T35N, R6W.
Legal Range	06W
Legal Township	35N
Legal Section	13
Legal Subdivision	J C GLENNS
Legal Lot Number	4
Jurisdiction	EMMET MI
Township / Civil Division	HARBOR SPRINGS
Census Block Group	4
Census Block	4001
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	200 DIVISION ST, PETOSKEY, MI 49770-2486
Owner Type	Company

Deeds, Mortgages & Sale History

Date	Document
Mar 3, 2026	Foreclosure
Jan 14, 2026	Foreclosure Foreclosure Auction
Apr 1, 2020	Deed of Trust, Mortgage · Conventional Mortgage FIRST COMMUNITY BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 3, 2026 · Amount on Record
Deed Sale	Mar 3, 2026 · Amount on Record
Prior Sale	Jan 14, 2026 · Amount on Record
Deed Document Number	20265226700
Deed Book / Page	1273 / 650
Record Updated	Oct 29, 2026

March 2026: Foreclosure

Document Type	Foreclosure
Jurisdiction	EMMET MI
Recording Date	Mar 3, 2026
Property Address	415 MAPLE ST, HARBOR SPRINGS, MI 49740-1309
Document Number	001273/650
Book / Page	1273 / 650
Instrument Date	Mar 3, 2026
Instrument	5226700
Transaction Type	Foreclosure
Record Updated	Mar 16, 2026

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Tax Sale

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	200 DIVISION ST, PETOSKEY, MI 49770-2486

January 2026: Foreclosure

Document Type	Foreclosure
Jurisdiction	EMMET MI
Recording Date	Jan 14, 2026
Property Address	415 MAPLE ST, HARBOR SPRINGS, MI 49740-1309
Document Number	001272/531
Book / Page	1272 / 531
Instrument Date	Jan 14, 2026
Instrument	5225582
Transaction Type	Foreclosure
Record Updated	Jan 26, 2026

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Redemption Amount
Additional	Foreclosure Auction

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	415 MAPLE ST, HARBOR SPRINGS, MI 49740-1309

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EMMET MI
Property Address	415 MAPLE ST, HARBOR SPRINGS, MI 49740-1309
Transaction Type	Mortgage
Record Updated	Jun 3, 2020

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	415 MAPLE ST, HARBOR SPRINGS, MI 49740-1309

Mortgage

Document Number	0000001220/0000000385
Date	Apr 1, 2020
Book Page	0000001220/0000000385
Instrument	5173329

Lender

Name	FIRST COMMUNITY BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

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		$286,100 (+19.66%) Land $286,100	$572,200 (+19.66%) Land $572,200
2025		$239,100 (+28.83%) Land $239,100	$478,200 (+28.83%) Land $478,200
2024	$3,418.00
2023		$185,600 Land $185,600	$371,200 Land $371,200

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
Nearest Special Flood Hazard Area	Zone A, within 100 ft
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	Direct burnable vegetation

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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