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435 Maple St, Harbor Springs, MI 49740 Property Records

Emmet County property record for 435 Maple St, Harbor Springs, MI 49740

Property Summary

Property TypeSingle Family Home
Details2 ba · 1,568 sqft
Lot Size0.242 acres (10,542 sqft)
OwnerCompany Name on File
Last Sale$414,000 (Sep 2019)
Tax Bill$9,830 (2024)
Deeds & MortgagesSep 2019 Sale & Mortgage
Flood ZoneZone A (high risk)
APN51-15-13-203-153

Property Details

APN / Parcel Number

Primary APN51-15-13-203-153

Interior

Full Baths2 Baths
Stories2 Stories
Building Area1,568 sqft Living Area
1st Floor Area784 sqft
Basement Area784 sqft
Unfinished Basement784 sqft

Exterior

Lot Area10,542 sqft (0.242 acres)
Lot Dimensions132 ft deep x 80 ft wide

Utilities, Heating & Cooling

Heating SystemForced Air with A/C

Location & Zoning

Street Address435 MAPLE ST
CityHARBOR SPRINGS
StateMI
Zip49740-1309
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeCOHS R-1-C
Legal DescriptionJ.C. GLENN'S PLAT, COM 365 FT N & 299 FT W OF SE COR OF LOT 4, TH W 80 FT, N 132 FT, E 80 FT, S 132 FT TO POB. SECTION 13
Legal Range06W
Legal Township35N
Legal Section13
Legal SubdivisionS13 T35N R6W
Legal Lot Number4
JurisdictionEMMET MI
Township / Civil DivisionHARBOR SPRINGS
Census Block Group4
Census Block4001
Census Tract970400

Owner

Source: Emmet County records · APN 51-15-13-203-153

Assessment roll updated July 21, 2026 · Last verified August 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of RecordCompany Name on File
Mailing Address33 E 73RD ST, INDIANAPOLIS, IN 46240-3004
Owner TypeCompany
VestingTrust

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleSep 27, 2019 · Amount on Record
Deed SaleSep 27, 2019 · Amount on Record
Prior SaleAug 11, 2016 · Amount on Record
Deed Document Number20195168420
Deed Book / Page1215 / 502
Last Transfer DateJul 25, 2024
Transfer Doc001261/238
Record UpdatedSep 20, 2026

September 2019: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionEMMET MI
Recording DateSep 27, 2019
Property Address435 MAPLE ST, HARBOR SPRINGS, MI 49740-1309
Document Number1215/502
Book / Page1215 / 502
Instrument DateSep 16, 2019
Instrument5168420
Transaction TypeTransfer
Record UpdatedDec 13, 2021

Transaction

AmountAmount Recorded
Loan-to-Value (LTV)LTV on Record
Tax$0.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address2085 DICKENS TER, PALM BEACH GARDENS, FL 33418-6033

Mortgage

Document Number5168422
DateSep 27, 2019
Instrument5168422
Lender
NameWELLS FARGO BANK NA
TypeBank
Agreement
TypeStand-Alone First Mortgage
AmountAmount Recorded

Mortgage

Document Number001215/502
DateSep 27, 2019
Book Page1215/502
Instrument5168420
Lender
NameWELLS FARGO BANK NA
TypeBank
Agreement
TypeStand-Alone First Mortgage
AmountAmount Recorded
Term361 Months
DueOct 01, 2049

Tax Assessment & Valuation

Source: Emmet County records · Assessment roll updated July 21, 2026 · Last verified August 2026

Property Jurisdictions

TypeName
StateMichigan
CountyEmmet County
MunicipalityHarbor Springs City
Unified School DistrictHarbor Springs School District (KG - 12)

Tax Bill & Assessment History

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

YearTax BillAssessed ValueAssessed Market Value
2026$445,200 (+17.68%) Land $445,200$890,400 (+17.68%) Land $890,400
2025$378,300 (+32.92%) Land $378,300$756,600 (+32.92%) Land $756,600
2024$9,830.00
2023$284,600 Land $284,600$569,200 Land $569,200

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of May 31, 2022 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood ZoneZone A
high risk
100-Year FloodplainYes
1% annual chance
FloodwayNo
Base Flood ElevationNot determined for this zone
Flood Insurance RequirementRequired
federally backed loans
Flood Insurance CostPremium on Record
median of 11 policies
Nearby Flood Policies11 in force
Nearby Flood Claims1 (2026)
Claims Outside the SFHA1 of 1
Most Recent ClaimJul 2026 · rainfall accumulation

Wildfire

Wildfire RiskLow
lower than 80% of the US · above 51% of Michigan
Wildfire Likelihood0.01% annual chance
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

ProviderMax 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.

Based on FCC filings for 380 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water SystemCITY OF HARBOR SPRINGS
serves 1,194 people
Water SourceGroundwater
Last State InspectionDec 2024
Lead2 ppb (2022–2024)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting1
last 3 years

Results are for the whole water system as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.

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