Emmet County property record for 477 Chamonix Ln, Harbor Springs, MI 49740
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 990 sqft · built 1975 |
| Lot Size | 0.406 acres (17,707 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $2,516 (2024) |
| Deeds & Mortgages | Dec 2025 Mortgage Dec 2025 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 11-13-34-179-006 |
| Primary APN | 11-13-34-179-006 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 990 sqft Living Area |
| 1st Floor Area | 792 sqft |
| Basement Area | 792 sqft |
| Unfinished Basement | 792 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1975 |
|---|---|
| Effective Year Built | Effective 1975 |
| Architectural Style | A-Frame |
| Lot Area | 17,707 sqft (0.406 acres) |
| Heating System | Forced Air with A/C |
|---|
| Street Address | 477 CHAMONIX LN |
|---|---|
| City | HARBOR SPRINGS |
| State | MI |
| Zip | 49740-9545 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PT R-1 |
| Legal Description | PLAT OF HIDDEN HAMLET NO 5, LOT 50. SECTION 34, T36N, R5W |
| Legal Range | 05W |
| Legal Township | 36N |
| Legal Section | 34 |
| Legal Subdivision | HIDDEN HAMLET |
| Legal Lot Number | 50 |
| Jurisdiction | EMMET MI |
| Township / Civil Division | PLEASANTVIEW |
| Census Block Group | 2 |
| Census Block | 2002 |
| Census Tract | 970302 |
477 Chamonix Ln is owned and occupied by an individual who acquired it in September 2025.
Source: Emmet County records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 477 CHAMONIX LN, HARBOR SPRINGS, MI 49740-9545 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Individual(s) |
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 |
|---|---|
| Dec 23, 2025 | Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO |
| Dec 23, 2025 | Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO |
| Sep 29, 2025 | Quit Claim Deed, Transfer Quitclaim |
| Sep 29, 2025 | Warranty Deed, Transfer TALON TITLE AGENCY |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 29, 2025 |
| Deed Sale | Sep 29, 2025 |
| Prior Sale | Sep 29, 2025 |
| Deed Document Number | 20255223238 |
| Deed Book / Page | 1270 / 207 |
| Prior Transfer Date | Sep 26, 2025 |
| Prior Transfer Doc | 001270/206 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | EMMET MI |
| Property Address | 477 CHAMONIX LN, HARBOR SPRINGS, MI 49740-9545 |
| Transaction Type | Mortgage |
| Record Updated | Feb 18, 2026 |
| Name | Verified Name |
|---|---|
| Address | 37869 GLENGROVE DR, FARMINGTON HILLS, MI 48331-5946 |
| Document Number | 0000001272/0000000143 |
|---|---|
| Date | Dec 23, 2025 |
| Book Page | 0000001272/0000000143 |
| Instrument | 5225194 |
| Name | WELLS FARGO |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jan 1, 2056 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | EMMET MI |
| Property Address | 477 CHAMONIX LN, HARBOR SPRINGS, MI 49740-9545 |
| Transaction Type | Mortgage |
| Record Updated | Jan 5, 2026 |
| Name | Verified Name |
|---|---|
| Address | 37869 GLENGROVE DR, FARMINGTON HILLS, MI 48331-5946 |
| Document Number | 0000001272/0000000143 |
|---|---|
| Date | Dec 23, 2025 |
| Book Page | 0000001272/0000000143 |
| Instrument | 5225194 |
| Name | WELLS FARGO |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jan 1, 2056 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | EMMET MI |
| Recording Date | Sep 29, 2025 |
| Property Address | 477 CHAMONIX LN, HARBOR SPRINGS, MI 49740-9545 |
| Document Number | 001270/206 |
| Book / Page | 1270 / 206 |
| Instrument Date | Sep 23, 2025 |
| Instrument | 5223237 |
| Transaction Type | Transfer |
| Record Updated | Oct 20, 2025 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 4491 RAVINEWOOD DR, COMMERCE TOWNSHIP, MI 48382-1641 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | EMMET MI |
| Recording Date | Sep 29, 2025 |
| Property Address | 477 CHAMONIX LN, HARBOR SPRINGS, MI 49740-9545 |
| Document Number | 001270/207 |
| Book / Page | 1270 / 207 |
| Instrument Date | Sep 23, 2025 |
| Instrument | 5223238 |
| Transaction Type | Transfer |
| Record Updated | Oct 20, 2025 |
| Title Company | TALON TITLE AGENCY |
| Amount | Amount on Record |
|---|---|
| Tax | $45.15 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 37869 GLENGROVE DR, FARMINGTON HILLS, MI 48331-5946 |
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 | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $144,800 (+12.95%) Land $144,800 | $289,600 (+12.95%) Land $289,600 | |
| 2025 | $128,200 Land $128,200 | $256,400 Land $256,400 | |
| 2024 | $2,516.00 | ||
| 2023 | $117,000 Land $117,000 | $234,000 Land $234,000 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 477 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 477 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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