445 E 3rd St, Harbor Springs, MI 49740 Property Records

Emmet County property record for 445 E 3rd St, Harbor Springs, MI 49740

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,405 sqft · built 1900
Lot Size	0.298 acres (12,981 sqft)
Owner	2 Individual Names on File
Last Sale	$265,000 (Nov 2017)
Tax Bill	$8,874 (2024)
Deeds & Mortgages	Nov 2017 Sale
Flood Zone	Zone X (minimal risk)
APN	`51-15-13-226-053`

Property Details

APN / Parcel Number

Primary APN	`51-15-13-226-053`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	2 Stories
Building Area	1,405 sqft Living Area
1st Floor Area	829 sqft
Basement Area	576 sqft
Unfinished Basement	576 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Lot Area	12,981 sqft (0.298 acres)
Lot Dimensions	100 ft deep x 130 ft wide

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	445 E 3RD ST
City	HARBOR SPRINGS
State	MI
Zip	49740-1537
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	COM AT PT OF INT OF N LN OF THIRD ST, WITH E LN OF LOT 4, BLK 9 OF ISAAC WHICHER'S SURVEY & PLAT, TH N?LY ON E LN OF SD LOT 4
Legal Range	06W
Legal Township	35N
Legal Section	13
Legal Subdivision	ISAAC WHICHERS SURVEY PLAT
Legal Block	9
Legal Lot Number	4
Jurisdiction	EMMET MI
Township / Civil Division	HARBOR SPRINGS
Census Block Group	4
Census Block	4020
Census Tract	970400

Owner

Source: Emmet County records · APN 51-15-13-226-053

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

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

Owner of Record	2 Individual Names on File
Mailing Address	15 PENNOYER ST, NORWALK, CT 06853-1223
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Nov 02, 2017 · Amount on Record
Deed Sale	Nov 02, 2017 · Amount on Record
Prior Sale	Nov 24, 1998
Deed Document Number	20175151901
Deed Book / Page	1199 / 18
Record Updated	Sep 20, 2026

November 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EMMET MI
Recording Date	Nov 02, 2017
Property Address	445 E 3RD ST, HARBOR SPRINGS, MI 49740-1537
Document Number	1199/0018
Book / Page	1199 / 0018
Instrument Date	Nov 01, 2017
Instrument	5151901
Transaction Type	Transfer
Record Updated	Jun 22, 2021
Title Company	TALON TITLE AGENCY

Transaction

Amount	Amount Recorded
Tax	$2,279.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	525 ANN ST, 525, HARBOR SPRINGS, MI 49740-1069

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1 BAYWATER DR, DARIEN, CT 06820-5703

Tax Assessment & Valuation

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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$641,400 (+8.95%) Land $641,400	$1,282,800 (+8.95%) Land $1,282,800
2025		$588,700 (+146.42%) Land $588,700	$1,177,400 (+146.42%) Land $1,177,400
2024	$8,874.00
2023		$238,900 Land $238,900	$477,800 Land $477,800

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Emmet County (26047C), updated May 31, 2022 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 260479704004, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

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

Wildfire

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 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, availability as of December 31, 2025 · sampled at 380 locations within half a mile · Last verified October 2026

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.

Drinking Water

Source: EPA Safe Drinking Water Information System via ECHO, 2026 Q3 · EPA community water system boundaries v3.0, March 2026 · Last verified October 2026

Water System	CITY OF HARBOR SPRINGS serves 1,194 people
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 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.