Emmet County property record for 453 E Bluff Dr, Harbor Springs, MI 49740
| Property Type | Single Family Home |
|---|---|
| Lot Size | 0.552 acres (24,084 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $49,163 (2024) |
| Deeds & Mortgages | Jul 2017 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 51-15-13-202-032 |
| Primary APN | 51-15-13-202-032 |
|---|
| Full Baths | 4 Baths |
|---|---|
| Half Baths | 2 Half Baths |
| Building Area | 4,478 sqft Living Area |
| 1st Floor Area | 2,239 sqft |
| Basement Area | 2,239 sqft |
| Unfinished Basement | 2,239 sqft |
| Fireplaces | 2 Fireplaces |
| Fireplace | Fireplace |
| Year Built | Built 2000 |
|---|---|
| Effective Year Built | Effective 2000 |
| Exterior Material | Wood Siding |
| Lot Area | 24,084 sqft |
| Garage Area | 975 sqft |
| Heating System | Forced Air with A/C |
|---|
| Street Address | 453 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 24, EXC E 15 FT THEREOF & LOT 25. ALSO INC COM AT SW COR OF LOT 26 OF SD PLAT, TH S ALG W LN OF SD LOT IF EXTEND IN SAME CRSE & BEARING, TO S LN OF BLUFF ST FOR POB, TH CONT S TO N LN OF JUDD ST AS NO |
| Legal Subdivision | J L MORRICES ADDITION |
| Legal Lot Number | 24 |
| 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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 115 DEPOT ST, ANN ARBOR, MI 48104-1017 |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | EMMET MI |
| Recording Date | Jul 3, 2017 |
| Property Address | 453 E BLUFF DR, HARBOR SPRINGS, MI 49740-1504 |
| Document Number | 1195/0999 |
| Book / Page | 1195 / 0999 |
| Instrument Date | Jun 29, 2017 |
| Instrument | 5148874 |
| Transaction Type | Transfer |
| Record Updated | Jun 22, 2021 |
| Title Company | ATTORNEY'S TITLE, ATTORNEYS TITLE |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 16952 CORTILE DR, 16952, NAPLES, FL 34110-2855 |
| Name | Verified Name |
|---|---|
| Address | 115 DEPOT ST, ANN ARBOR, MI 48104-1017 |
| Investor | Possibly a Property Investor |
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 | $2,133,200 (+53.79%) Land $2,133,200 | $4,266,400 (+53.79%) Land $4,266,400 | |
| 2024 | $49,163.00 | ||
| 2023 | $1,387,100 Land $1,387,100 | $2,774,200 Land $2,774,200 |
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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