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

Emmet County property record for 427 E Bluff Dr, Harbor Springs, MI 49740

Property Summary

Property Type	Single Family Home
Details	5.5 ba · 5,986 sqft
Lot Size	0.556 acres (24,219 sqft)
Owner	Company Name on Record
Tax Bill	$40,620 (2024)
Deeds & Mortgages	Jan 2020 Mortgage Jan 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`51-15-13-205-006`

Property Details

APN / Parcel Number

Primary APN	`51-15-13-205-006`

Interior

Full Baths	5.5 Baths
Half Baths	3 Half Baths
Stories	1 Story
Building Area	5,986 sqft Living Area
1st Floor Area	5,986 sqft
Basement Area	4,460 sqft
Unfinished Basement	4,460 sqft
Fireplaces	2 Fireplaces
Fireplace	Fireplace

Exterior

Exterior Material	Wood Siding
Lot Area	24,219 sqft (0.556 acres)
Lot Dimensions	275 ft deep x 88 ft wide
Garage Area	4,012 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	427 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 90.04 FT TO POB, TH E 143.33 FT, S1?32'13"W 90.03 FT, W 143.77 FT, TH N1?49'10"E 90.04 FT TO POB. ALSO INC J.C. GLENN'S PLAT, PT LOT 9 COM 190.05 FT S
Legal Range	06W
Legal Township	35N
Legal Section	13
Legal Subdivision	JC GLENNS SURVEY
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	Company Name on Record
Mailing Address	PO BOX 709, HARBOR SPRINGS, MI 49740-0709
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Borrower in Default

Deeds, Mortgages & Sale History

Date	Document
Jan 23, 2020	Deed of Trust, Mortgage · Conventional Mortgage SOUTHERN MICHIGAN BANK AND TRUST
Jan 23, 2020	Deed of Trust, Mortgage · Conventional Mortgage SOUTHERN MICHIGAN BANK AND TRUST

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 31, 2010
Deed Sale	Dec 31, 2010
Deed Book / Page	1130 / 582
Last Transfer Date	Feb 9, 2011
Transfer Doc	1131/874
Record Updated	Oct 29, 2026

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EMMET MI
Property Address	427 E BLUFF DR, HARBOR SPRINGS, MI 49740-1504
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 709, HARBOR SPRINGS, MI 49740-0709

Mortgage

Document Number	0000001218/0000000744
Date	Jan 23, 2020
Book Page	0000001218/0000000744
Instrument	5171688

Lender

Name	SOUTHERN MICHIGAN BANK AND TRUST

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	60 Months
Due	Jan 1, 2025

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EMMET MI
Property Address	427 E BLUFF DR, HARBOR SPRINGS, MI 49740-1504
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 709, HARBOR SPRINGS, MI 49740-0709

Mortgage

Document Number	0000001218/0000000743
Date	Jan 23, 2020
Book Page	0000001218/0000000743
Instrument	5171687

Lender

Name	SOUTHERN MICHIGAN BANK AND TRUST

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2050

Interest

Rate Type	Adjustable Rate
Rate	3.62%
Type Change Date	Feb 1, 2020

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		$3,139,200 (+10.91%) Land $3,139,200	$6,278,400 (+10.91%) Land $6,278,400
2025		$2,830,500 (+38.56%) Land $2,830,500	$5,661,000 (+38.56%) Land $5,661,000
2024	$40,620.00
2023		$2,042,800 Land $2,042,800	$4,085,600 Land $4,085,600

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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