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

Emmet County property record for 437 E Bluff Dr, Harbor Springs, MI 49740

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 2,632 sqft · built 1983
Lot Size	0.603 acres (26,267 sqft)
Owner	Company Name on Record
Last Sale	$579,000 (Feb 2018)
Tax Bill	$59,044 (2024)
Deeds & Mortgages	Jul 2021 Sale Feb 2018 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`51-15-13-203-143`

Property Details

APN / Parcel Number

Primary APN	`51-15-13-203-143`

Interior

Bedrooms	4 Beds
Full Baths	5.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	4,765 sqft Living Area
1st Floor Area	3,177 sqft
Basement Area	3,177 sqft
Unfinished Basement	3,177 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2022
Effective Year Built	Effective 2022
Exterior Material	Wood Siding
Lot Area	26,267 sqft (0.603 acres)
Lot Dimensions	360 ft deep x 73 ft wide
Garage Area	576 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	437 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 SURVEY, SECTION 13, COM 125 FT S & 3.62 CHS E OF NW COR OF LOT 9 OF SD PLAT, E 5 RDS, S TO S LN OF LOT 9, W ALG S LN OF SD LOT 9, 5 RDS, N TO POC. INC COM AT NW COR OF SD SEC, TH ALG W LN OF SD SEC S01?32'03"W 583.68 FT, TH S88?27'57"E 2
Legal Range	06W
Legal Township	35N
Legal Section	13
Legal Subdivision	J C GLENNS
Legal Lot Number	5,9
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	251 2ND ST S, SAFETY HARBOR, FL 34695-4010
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Jul 14, 2021	Warranty Deed, Transfer
Feb 22, 2018	Warranty Deed, Transfer
Feb 22, 2018	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 22, 2018 · Amount on Record
Deed Sale	Feb 22, 2018 · Amount on Record
Deed Document Number	20185154376
Deed Book / Page	1201 / 478
Prior Transfer Date	Feb 19, 2018
Prior Transfer Doc	1201/479
Record Updated	Oct 29, 2026

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EMMET MI
Recording Date	Jul 14, 2021
Property Address	437 E BLUFF DR, HARBOR SPRINGS, MI 49740-1504
Document Number	1235/152
Book / Page	1235 / 152
Instrument Date	Jul 8, 2021
Instrument	5188115
Transaction Type	Transfer
Record Updated	Aug 2, 2021

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	2295 MACKENZIE CT, CLEARWATER, FL 33765-2241

February 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EMMET MI
Recording Date	Feb 22, 2018
Property Address	437 E BLUFF DR, HARBOR SPRINGS, MI 49740-1504
Document Number	1201/479
Book / Page	1201 / 479
Instrument Date	Feb 19, 2018
Instrument	000000515477
Transaction Type	Transfer
Record Updated	Jun 22, 2021

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	437 E BLUFF DR, HARBOR SPRINGS, MI 49740-1504

February 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EMMET MI
Recording Date	Feb 22, 2018
Property Address	437 E BLUFF DR, HARBOR SPRINGS, MI 49740-1504
Document Number	1201/478
Book / Page	1201 / 478
Instrument Date	Feb 19, 2018
Instrument	000005154376
Transaction Type	Transfer
Record Updated	Jun 22, 2021

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount from Assessment
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	437 E BLUFF DR, HARBOR SPRINGS, MI 49740-1504

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		$1,936,200 (+2.27%) Land $1,936,200	$3,872,400 (+2.27%) Land $3,872,400
2025		$1,893,200 (+94.97%) Land $1,893,200	$3,786,400 (+94.97%) Land $3,786,400
2024	$59,044.00
2023		$971,000 Land $971,000	$1,942,000 Land $1,942,000

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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