475 E Bluff Dr, Harbor Springs, MI 49740 Property Records

Emmet County property record for 475 E Bluff Dr, Harbor Springs, MI 49740

Property Summary

Property Type	Single Family Home
Lot Size	0.358 acres (15,593 sqft)
Owner	Company Name on Record
Tax Bill	$19,126 (2024)
Deeds & Mortgages	Sep 2020 Mortgage Sep 2020 Sale
Flood Zone	Zone X (minimal risk)
APN	`51-15-13-202-033`

Property Details

APN / Parcel Number

Primary APN	`51-15-13-202-033`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Building Area	3,054 sqft Living Area
1st Floor Area	1,496 sqft
Basement Area	1,018 sqft
Unfinished Basement	1,018 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Exterior Material	Wood Siding
Lot Area	15,593 sqft (0.358 acres)
Garage Area	252 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	475 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 23 & E 15 FT OF LOT 24. INC COM AT SE COR OF LOT 24 OF SD PLAT, TH W 15 FT, TH S?LY PAR TO E?LY LN OF SD LOT 24, 79 FT, M/L, TO S?LY LN OF BLUFF DR & POB, TH CONT S?LY, PAR TO SD E?LY LN OF SD LOT 24,
Legal Lot Number	23
Jurisdiction	EMMET MI
Township / Civil Division	HARBOR SPRINGS
Census Block Group	4
Census Block	4015
Census Tract	970400

Owner

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	Company Name on Record
Mailing Address	475 E BLUFF DR, HARBOR SPRINGS, MI 49740-1504
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Sep 9, 2020	Deed of Trust, Mortgage · Conventional Mortgage MORGAN STANLEY PRIVATE BANK
Sep 9, 2020	Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	May 11, 2020
Transfer Doc	1224/806
Record Updated	Oct 29, 2026

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EMMET MI
Property Address	475 E BLUFF DR, HARBOR SPRINGS, MI 49740-1504
Transaction Type	Mortgage
Record Updated	Jun 14, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	475 E BLUFF DR, HARBOR SPRINGS, MI 49740-1504

Mortgage

Document Number	0000001224/0000000807
Date	Sep 9, 2020
Book Page	0000001224/0000000807
Instrument	5177753

Lender

Name	MORGAN STANLEY PRIVATE BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2050

Interest

Rate Type	Adjustable Rate
Rate	3.2%
Type Change Date	Jun 1, 2020

September 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	EMMET MI
Recording Date	Sep 9, 2020
Property Address	475 E BLUFF DR, HARBOR SPRINGS, MI 49740-1504
Document Number	1224/806
Book / Page	1224 / 806
Instrument Date	May 11, 2020
Instrument	51777
Transaction Type	Transfer
Record Updated	Jun 22, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	475 E BLUFF DR, HARBOR SPRINGS, MI 49740-1504

Tax Assessment & Valuation

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$1,532,700 (+8.18%) Land $1,532,700	$3,065,400 (+8.18%) Land $3,065,400
2025		$1,416,800 (+40.64%) Land $1,416,800	$2,833,600 (+40.64%) Land $2,833,600
2024	$19,126.00
2023		$1,007,400 Land $1,007,400	$2,014,800 Land $2,014,800

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

Flood

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.

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	None 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 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

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, 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

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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