417 E Bluff Dr, Harbor Springs, MI 49740 Property Records

Emmet County property record for 417 E Bluff Dr, Harbor Springs, MI 49740

Property Summary

Property Type	Single Family Home
Details	4.5 ba · 7,075 sqft
Lot Size	0.434 acres (18,905 sqft)
Owner	2 Individual Names on Record
Tax Bill	$80,309 (2024)
Deeds & Mortgages	Mortgage Jul 2022 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`51-15-13-205-002`

Property Details

APN / Parcel Number

Primary APN	`51-15-13-205-002`

Interior

Full Baths	4.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	7,075 sqft Living Area
1st Floor Area	3,100 sqft
Basement Area	3,100 sqft
Unfinished Basement	3,100 sqft
Fireplaces	2 Fireplaces
Fireplace	Fireplace

Exterior

Exterior Material	Wood Siding
Lot Area	18,905 sqft (0.434 acres)
Lot Dimensions	220 ft deep x 86 ft wide
Garage Area	806 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	417 E BLUFF DR
City	HARBOR SPRINGS
State	MI
Zip	49740-1504
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	COHS R-1-B
Legal Description	J.C. GLENN'S PLAT, PT LOT 9, COM 190.05 FT S1?49'10"W OF NW COR OF LOT 9, TH E 30.01 FT, S1?49'10"W 180.08 FT, E 55.03 FT, S1?49'10"W 381.37 FT, S80?37'46"W 86.65 FT TO W LN OF LOT 9, TH N1?49'10"E 575.58 FT TO POB, EXC RD ROW, INC EASE SECTION 13, T
Legal Range	06W
Legal Township	35N
Legal Section	13
Legal Subdivision	J C GLENNS
Legal Lot Number	9
Jurisdiction	EMMET MI
Township / Civil Division	HARBOR SPRINGS
Census Block Group	4
Census Block	4015
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	9825 FOX HOLLOW LN, CINCINNATI, OH 45243
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
	Deed of Trust, Mortgage
Jul 20, 2022	Deed of Trust, Mortgage · Conventional Mortgage HUNTINGTON NATIONAL BANK
Jul 20, 2022	Warranty Deed, Transfer · Conventional Mortgage HUNTINGTON NATIONAL BANK
Apr 20, 2020	Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 20, 2022
Deed Sale	Jul 20, 2022
Prior Sale	Apr 20, 2020 · Amount on Record
Deed Document Number	20225198648
Deed Book / Page	1245 / 678
Record Updated	Oct 29, 2026

: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EMMET MI
Property Address	417 E BLUFF DR, HARBOR SPRINGS, MI 49740-1504
Transaction Type	Mortgage
Record Updated	Jun 9, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1030 S STATE RD 10G, 10G, HARBOR SPRINGS, MI 49740-1169
Investor	Possibly a Property Investor

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EMMET MI
Property Address	417 E BLUFF DR, HARBOR SPRINGS, MI 49740-1504
Transaction Type	Mortgage
Record Updated	Jun 9, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9825 FOX HOLW, CINCINNATI, OH 45243-1642

Mortgage

Document Number	0005198649
Date	Jul 20, 2022
Instrument	5198649

Lender

Name	HUNTINGTON NATIONAL BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	354 Months
Due	Jan 1, 2052

Interest

Rate	3.99%

July 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EMMET MI
Recording Date	Jul 20, 2022
Property Address	417 E BLUFF DR, HARBOR SPRINGS, MI 49740-1504
Document Number	001245/678
Book / Page	1245 / 678
Instrument Date	Jul 15, 2022
Instrument	5198648
Transaction Type	Transfer
Record Updated	Jun 9, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9825 FOX HOLLOW LN, CINCINNATI, OH 45243

Mortgage

Document Number	0005198649
Date	Jul 20, 2022
Instrument	5198649

Lender

Name	HUNTINGTON NATIONAL BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	354 Months
Due	Jan 1, 2052

Interest

Rate	3.99%

April 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	EMMET MI
Recording Date	Apr 20, 2020
Property Address	417 E BLUFF DR, HARBOR SPRINGS, MI 49740-1504
Document Number	1220/685
Book / Page	1220 / 685
Instrument Date	Apr 1, 2020
Instrument	5173629
Transaction Type	Transfer
Record Updated	Jun 22, 2021

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	6398 RIDGEPOND PL, EAST LANSING, MI 48823-9744

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		$2,689,400 (+11.67%) Land $2,689,400	$5,378,800 (+11.67%) Land $5,378,800
2025		$2,408,400 (+37.95%) Land $2,408,400	$4,816,800 (+37.95%) Land $4,816,800
2024	$80,309.00
2023		$1,745,900 Land $1,745,900	$3,491,800 Land $3,491,800

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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