425 Maple St, Harbor Springs, MI 49740 Property Records

Emmet County property record for 425 Maple St, Harbor Springs, MI 49740

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 684 sqft · built 1940
Lot Size	0.2 acres (8,712 sqft)
Owner	Trust Name on File
Tax Bill	$1,638 (2024)
Deeds & Mortgages	Mar 2024 Transfer Mar 2024 Transfer
Flood Zone	Zone A (high risk)
APN	`51-15-13-203-025`

Property Details

APN / Parcel Number

Primary APN	`51-15-13-203-025`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	684 sqft Living Area
1st Floor Area	684 sqft

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1940
Exterior Material	Stucco
Lot Area	8,712 sqft (0.2 acres)
Lot Dimensions	132 ft deep x 66 ft wide

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	425 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 & 379 FT W OF SE COR OF LOT 4, W 66 FT, N 132 FT, E 66 FT TH 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

425 Maple St is held in a trust since March 2024.

Source: Emmet County records, as of October 20, 2026

Owner of Record	Trust Name on File
Mailing Address	298 MAPLE ST, HARBOR SPRINGS, MI 49740-1106
Owner Type	Company
Vesting	Trust

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Mar 25, 2024	Quit Claim Deed, Transfer Quitclaim
Mar 25, 2024	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 25, 2024
Deed Sale	Mar 25, 2024
Prior Sale	Mar 25, 2024
Deed Document Number	20245211589
Deed Book / Page	1258 / 579
Transfer Doc	001258/579
Record Updated	Oct 29, 2026

March 2024: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	EMMET MI
Recording Date	Mar 25, 2024
Property Address	425 MAPLE ST, HARBOR SPRINGS, MI 49740-1309
Document Number	001258/578
Book / Page	1258 / 578
Instrument Date	Mar 19, 2024
Instrument	5211588
Transaction Type	Transfer
Record Updated	Apr 5, 2024

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Quitclaim Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8111 S SHORE DR, HARBOR SPRINGS, MI 49740

March 2024: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	EMMET MI
Recording Date	Mar 25, 2024
Property Address	425 MAPLE ST, HARBOR SPRINGS, MI 49740-1309
Document Number	001258/579
Book / Page	1258 / 579
Instrument Date	Mar 19, 2024
Instrument	5211589
Transaction Type	Transfer
Record Updated	Apr 5, 2024

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Quitclaim Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	298 MAPLE ST, HARBOR SPRINGS, MI 49740-1106

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		$160,500 (+21.59%) Land $160,500	$321,000 (+21.59%) Land $321,000
2025		$132,000 Land $132,000	$264,000 Land $264,000
2024	$1,638.00
2023		$111,000 Land $111,000	$222,000 Land $222,000

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

Flood

FEMA maps place 425 Maple St in Zone A, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective May 31, 2022 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone A high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Not determined for this zone
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File 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

Wildfire risk around 425 Maple St is low, with a 0.01% annual chance of 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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