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

Emmet County property record for 465 E 3rd St, Harbor Springs, MI 49740

Property Summary

Property TypeSingle Family Home
Details3 bd · 1 ba · 1,292 sqft
Lot Size0.339 acres (14,767 sqft)
Owner2 Individual Names on Record
Last Sale$298,500 (Sep 2020)
Tax Bill$6,173 (2024)
Deeds & MortgagesMay 2022 Sale
Sep 2020 Sale
Flood ZoneZone X (minimal risk)
APN51-15-13-226-052

Property Details

APN / Parcel Number

Primary APN51-15-13-226-052

Interior

Bedrooms3 Beds
Full Baths1 Bath
Stories1 Story
Building Area1,292 sqft Living Area
1st Floor Area1,077 sqft
Basement Area287 sqft
Unfinished Basement287 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Lot Area14,767 sqft (0.339 acres)
Lot Dimensions149 ft deep x 99 ft wide

Utilities, Heating & Cooling

Heating SystemForced Air with A/C

Location & Zoning

Street Address465 E 3RD ST
CityHARBOR SPRINGS
StateMI
Zip49740-1537
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeCOHS R-1-C
Legal DescriptionISAAC WHICHER'S SURVEY, BLK 9, THAT PT OF LOT 2 LYING N OF THIRD ST ALSO COM AT NE COR OF SD LOT 2, TH N ALG E LOT LN EXT TO
Legal Range06W
Legal Township35N
Legal Section13
Legal SubdivisionISAAC WHICHERS SURV
Legal Block9
Legal Lot Number2-3
JurisdictionEMMET MI
Township / Civil DivisionHARBOR SPRINGS
Census Block Group4
Census Block4020
Census Tract970400

Owner

Source: Emmet County records, as of July 21, 2026

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

Owner of Record2 Individual Names on Record
Mailing Address515 E BLUFF DR, HARBOR SPRINGS, MI 49740-1572
Owner TypeIndividual
VestingTenants by the Entirety

Deeds, Mortgages & Sale History

DateDocument
May 16, 2022Warranty Deed, Transfer
Sep 4, 2020Quit Claim Deed, Transfer
Quitclaim

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleSep 4, 2020 · Amount on Record
Deed SaleSep 4, 2020 · Amount on Record
Deed Document Number20205177634
Deed Book / Page1224 / 688
Last Transfer DateMay 10, 2022
Transfer Doc0001244/13
Record UpdatedSep 20, 2026

May 2022: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionEMMET MI
Recording DateMay 16, 2022
Property Address465 E 3RD ST, HARBOR SPRINGS, MI 49740-1537
Document Number0001244/13
Book / Page1244 / 13
Instrument DateMay 10, 2022
Instrument5196984
Transaction TypeTransfer
Record UpdatedNov 15, 2022

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address515 E BLUFF DR, HARBOR SPRINGS, MI 49740-1572

September 2020: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionEMMET MI
Recording DateSep 4, 2020
Property Address465 E 3RD ST, HARBOR SPRINGS, MI 49740-1537
Document Number1224/688
Book / Page1224 / 688
Instrument DateAug 26, 2020
Instrument5177634
Transaction TypeTransfer
Record UpdatedJun 22, 2021

Transaction

AmountAmount Recorded
Tax$0.00
Amount AccuracyFull Amount Stated
Additional
  • Quitclaim
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address465 E 3RD ST, HARBOR SPRINGS, MI 49740-1537

Tax Assessment & Valuation

Source: Emmet County assessment roll, as of July 21, 2026

Property Jurisdictions

TypeName
StateMichigan
CountyEmmet County
MunicipalityHarbor Springs City
Unified School DistrictHarbor Springs School District (KG - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$502,800 (+11.07%) Land $502,800$1,005,600 (+11.07%) Land $1,005,600
2025$452,700 (+237.33%) Land $452,700$905,400 (+237.33%) Land $905,400
2024$6,173.00
2023$134,200 Land $134,200$268,400 Land $268,400

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.

Flood

Source: FEMA National Flood Hazard Layer, effective May 31, 2022 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 11 policies
Nearby Flood Policies11 in force
Nearby Flood Claims1 (2026)
Claims Outside the SFHA1 of 1
Most Recent ClaimJul 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskLow
lower than 80% of the US · above 51% of Michigan
Wildfire Likelihood0.01% annual chance
ExposureNone
beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water SystemCITY OF HARBOR SPRINGS
serves 1,194 people · EPA ID MI0003010
Water SourceGroundwater
Last State InspectionDec 2024
Lead2 ppb (2022–2024)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting1
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.

Internet Providers

Source: FCC Broadband Data Collection, based on 380 locations within half a mile, as of December 31, 2025

ProviderMax 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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