Emmet County property record for 441 E Bluff Dr, Harbor Springs, MI 49740
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3.5 ba · 2,352 sqft · built 1987 |
| Lot Size | 0.294 acres (12,807 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $18,911 (2024) |
| Deeds & Mortgages | Oct 2021 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 51-15-13-202-030 |
| Primary APN | 51-15-13-202-030 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,352 sqft Living Area |
| 1st Floor Area | 1,176 sqft |
| Basement Area | 1,176 sqft |
| Unfinished Basement | 1,176 sqft |
| Fireplaces | 2 Fireplaces |
| Fireplace | Fireplace |
| Year Built | Built 1987 |
|---|---|
| Effective Year Built | Effective 1987 |
| Exterior Material | Wood Siding |
| Lot Area | 12,807 sqft (0.294 acres) |
| Lot Dimensions | 200 ft deep x 64 ft wide |
| Garage Area | 432 sqft |
| Heating System | HVAC |
|---|
| Street Address | 441 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 | PLAT OF J.L. MORRICE'S ADD TO HARBOR SPRINGS, LOT 26 & PT OF LOT 9 J.C. GLENN?S PLAT DESC AS: BEG AT NE COR OF LOT 26 OF SD J.L. MORRICE?S ADD, TH ALG N LN OF SD LOT 26 & IT?S W?LY EXT N88?54?27?W 67.57 FT, TH ALG E LN OF A PARCEL DESC IN L130 P71 S1 |
| Legal Range | 06W |
| Legal Township | 35N |
| Legal Section | 13 |
| Legal Subdivision | JL MORRICES ADDITION |
| Legal Lot Number | 9,26 |
| Jurisdiction | EMMET MI |
| Township / Civil Division | HARBOR SPRINGS |
| Census Block Group | 4 |
| Census Block | 4015 |
| Census Tract | 970400 |
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 | Individual Name on Record |
|---|---|
| Mailing Address | 7026 LAKESIDE POINT DR, BELMONT, NC 28012-8876 |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Transfer Date | Aug 17, 2012 |
| Transfer Doc | 1147/990 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | EMMET MI |
| Recording Date | Oct 25, 2021 |
| Property Address | 441 E BLUFF DR, HARBOR SPRINGS, MI 49740-1504 |
| Document Number | 1238/307 |
| Book / Page | 1238 / 307 |
| Instrument Date | Oct 7, 2021 |
| Instrument | 5191269 |
| Transaction Type | Transfer |
| Record Updated | Nov 15, 2021 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 7026 LAKESIDE POINT DR, BELMONT, NC 28012-8876 |
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 | $1,379,700 (+50.87%) Land $1,379,700 | $2,759,400 (+50.87%) Land $2,759,400 | |
| 2024 | $18,911.00 | ||
| 2023 | $914,500 Land $914,500 | $1,829,000 Land $1,829,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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.
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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