Emmet County property record for 453 Chamonix Ln, Harbor Springs, MI 49740
| Property Type | Single Family Home |
|---|---|
| Owner | Individual Name on File |
| Deeds & Mortgages | Nov 2017 Line of Credit Jan 2021 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 11-13-34-179-016 |
| Primary APN | 11-13-34-179-016 |
|---|---|
| Alternative APN |
|
| Street Address | 453 CHAMONIX LN |
|---|---|
| City | HARBOR SPRINGS |
| State | MI |
| Zip | 49740-9545 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | PLAT OF HIDDEN HAMLET NO 5, LOT 48 & W ? OF LOT 49. SECTION 34, T36N, R5W |
| Legal Range | 05W |
| Legal Township | 36N |
| Legal Section | 34 |
| Legal Lot Number | 48-49 |
| Jurisdiction | EMMET MI |
| Township / Civil Division | PLEASANTVIEW |
| Census Block Group | 2 |
| Census Block | 2002 |
| Census Tract | 970302 |
453 Chamonix Ln is owned and occupied by an individual who acquired it in January 2017.
Source: Emmet County records, as of July 21, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 453 CHAMONIX LN, HARBOR SPRINGS, MI 49740-9545 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
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 |
|---|---|
| Nov 15, 2017 | Deed of Trust, Mortgage · Line of Credit CITIZENS NATIONAL BANK |
| Jan 22, 2021 | Warranty Deed, Transfer · Conventional Mortgage WINTRUST MORTGAGE |
| Jan 17, 2017 | Intrafamily Transfer, Transfer |
| Deed Names | Name on Deed |
|---|---|
| Last Transfer Date | Jan 12, 2017 |
| Transfer Doc | 0005144362 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | EMMET MI |
| Property Address | 453 CHAMONIX LN, HARBOR SPRINGS, MI 49740-9545 |
| Transaction Type | Mortgage |
| Record Updated | Aug 12, 2022 |
| Name | Verified Name |
|---|
| Document Number | 01199/0381 |
|---|---|
| Date | Nov 15, 2017 |
| Book Page | 1199/0381 |
| Instrument | 5152264 |
| Name | CITIZENS NATIONAL BANK |
|---|---|
| Type | Bank |
| Address | CHEBOYGAN, MI 49721 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 241 Months |
| Due | Nov 30, 2037 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | EMMET MI |
| Recording Date | Jan 22, 2021 |
| Property Address | 453 CHAMONIX LN, HARBOR SPRINGS, MI 49740-9545 |
| Document Number | 001229/312 |
| Book / Page | 1229 / 312 |
| Instrument Date | Jan 20, 2021 |
| Instrument | 5182280 |
| Transaction Type | Transfer |
| Record Updated | Aug 12, 2022 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 453 CHAMONIX LN, HARBOR SPRINGS, MI 49740-9545 |
| Document Number | 0000001229/0000000313 |
|---|---|
| Date | Jan 22, 2021 |
| Book Page | 0000001229/0000000313 |
| Name | WINTRUST MORTGAGE |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jan 1, 2051 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | EMMET MI |
| Recording Date | Jan 17, 2017 |
| Property Address | 453 CHAMONIX LN, HARBOR SPRINGS, MI 49740-9545 |
| Document Number | 01191/0483 |
| Book / Page | 1191 / 0483 |
| Instrument Date | Jan 12, 2017 |
| Instrument | 5144362 |
| Transaction Type | Transfer |
| Record Updated | Aug 12, 2022 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 435 CHAMONIX LN, 435, HARBOR SPRINGS, MI 49740-9545 |
| Name | Verified Name |
|---|---|
| Address | 435 CHAMONIX LN, HARBOR SPRINGS, MI 49740-9545 |
Source: Emmet County assessment roll, as of July 21, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Emmet County |
| County Subdivision | Pleasantview Township |
| Unified School District | Harbor Springs School District (KG - 12) |
| Year | Assessed Value | Assessed Market Value |
|---|---|---|
| 2026 | $118,700 Land $118,700 | $237,400 Land $237,400 |
| 2023 | $97,900 Land $97,900 | $195,800 Land $195,800 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
FEMA maps place 453 Chamonix Ln in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective May 31, 2022
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Wildfire risk around 453 Chamonix Ln 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 | Direct burnable vegetation |
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 | HAMLET VILLAGE CONDOMINIUMS ASSOCIATION private · serves 126 people · EPA ID MI0002944 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Sep 2024 |
| Lead | 30 ppb (2023–2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | Sanitary survey deficiency not corrected Aug 2025 |
| Monitoring and Reporting | 2 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 74 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Truestream Fiber | 1,000 / 1,000 |
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