Emmet County property record for 438 Pine St, Harbor Springs, MI 49740
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,897 sqft · built 1910 |
| Lot Size | 0.327 acres (14,244 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $75,000 (Jun 1990) |
| Tax Bill | $3,067 (2024) |
| Deeds & Mortgages | Apr 2026 Transfer Nov 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 51-15-13-202-025 |
| Primary APN | 51-15-13-202-025 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 2 Stories |
| Building Area | 1,897 sqft Living Area |
| 1st Floor Area | 1,417 sqft |
| Basement Area | 937 sqft |
| Unfinished Basement | 937 sqft |
| Year Built | Built 1910 |
|---|---|
| Effective Year Built | Effective 1910 |
| Exterior Material | Stucco |
| Lot Area | 14,244 sqft (0.327 acres) |
| Lot Dimensions | 125 ft deep x 114 ft wide |
| Garage Area | 480 sqft |
| Heating System | Forced Air with A/C |
|---|
| Street Address | 438 PINE ST |
|---|---|
| City | HARBOR SPRINGS |
| State | MI |
| Zip | 49740-1312 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | COHS R-1-B |
| Legal Description | PLAT OF J.L. MORRICE'S ADD TO HARBOR SPRINGS, LOTS 31 & 32, ALSO COM AT NW COR OF SD LOT, TH W 14 FT, S 125 FT, E 14.9 FT TO SW COR OF SD LOT 32, TH N 125 FT TO POB. SECTION 13, T35N, R6W. |
| Legal Range | 06W |
| Legal Township | 35N |
| Legal Section | 13 |
| Legal Subdivision | J L MORRICES ADD TO HARBOR SPG |
| Legal Lot Number | 31-32 |
| Jurisdiction | EMMET MI |
| Township / Civil Division | HARBOR SPRINGS |
| Census Block Group | 4 |
| Census Block | 4015 |
| Census Tract | 970400 |
438 Pine St is owned and occupied by two individuals who acquired it in April 2026.
Source: Emmet County records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 438 PINE ST, HARBOR SPRINGS, MI 49740-1312 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants in Common |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Apr 20, 2026 | Quit Claim Deed, Transfer Quitclaim |
| Nov 19, 2021 | Deed of Trust, Mortgage · Conventional Mortgage US BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 1, 1990 · Amount on File |
| Deed Sale | Jun 1, 1990 · Amount on File |
| Last Transfer Date | Apr 10, 2026 |
| Transfer Doc | 001274/555 |
| Record Updated | Oct 29, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | EMMET MI |
| Recording Date | Apr 20, 2026 |
| Property Address | 438 PINE ST, HARBOR SPRINGS, MI 49740-1312 |
| Document Number | 001274/555 |
| Book / Page | 1274 / 555 |
| Instrument Date | Apr 10, 2026 |
| Instrument | 20265227604 |
| Transaction Type | Transfer |
| Record Updated | Aug 27, 2026 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Common |
| Address | TROY, MI 48084 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | EMMET MI |
| Property Address | 438 PINE ST, HARBOR SPRINGS, MI 49740-1312 |
| Transaction Type | Mortgage |
| Record Updated | Dec 6, 2021 |
| Name | Verified Name |
|---|---|
| Address | 438 PINE ST, HARBOR SPRINGS, MI 49740-1312 |
| Document Number | 0000001239/0000000188 |
|---|---|
| Date | Nov 19, 2021 |
| Book Page | 0000001239/0000000188 |
| Instrument | 5192149 |
| Name | US BANK |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Jan 1, 2041 |
Source: Emmet County assessment roll, as of July 21, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Emmet County |
| Municipality | Harbor Springs City |
| Unified School District | Harbor Springs School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $362,900 (+19.14%) Land $362,900 | $725,800 (+19.14%) Land $725,800 | |
| 2025 | $304,600 Land $304,600 | $609,200 Land $609,200 | |
| 2024 | $3,067.00 | ||
| 2023 | $238,900 Land $238,900 | $477,800 Land $477,800 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 438 Pine St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2026.
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 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 risk around 438 Pine 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 | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
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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