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

Emmet County property record for 481 E 3rd St, Harbor Springs, MI 49740 · Last verified July 2026

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,444 sqft · built 1890
Lot Size	0.171 acres (7,449 sqft)
Owner	Individual Name on File
Last Sale	$256,000 (May 2007)
Tax Bill	$5,507 (2024)
Deeds & Mortgages	Oct 2018 Sale Oct 2018 Sale
Flood Zone	Zone X (minimal risk)
APN	`51-15-13-203-094`

Property Details

APN / Parcel Number

Primary APN	`51-15-13-203-094`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,444 sqft Living Area
1st Floor Area	1,231 sqft
Basement Area	425 sqft
Unfinished Basement	425 sqft

Exterior

Year Built	Built 1890
Effective Year Built	Effective 1890
Lot Area	7,449 sqft (0.171 acres)
Lot Dimensions	113 ft deep x 66 ft wide

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	481 E 3RD ST
City	HARBOR SPRINGS
State	MI
Zip	49740-1537
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	COM AT INT OF N LN OF THIRD ST WITH E LN OF LOT 1, BLK 9, ISAAC WHICHER'S SURVEY & PLAT OF VILLAGE OF LITTLE TRAVERSE, TH N
Legal Range	06W
Legal Township	35N
Legal Section	13
Legal Subdivision	J C GLENNS
Legal Block	9
Legal Lot Number	1
Jurisdiction	EMMET MI
Township / Civil Division	HARBOR SPRINGS
Census Block Group	4
Census Block	4020
Census Tract	970400

Owner

Source: Emmet County records · APN 51-15-13-203-094

Assessment roll updated July 21, 2026 · Last verified July 2026

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

Owner of Record	Individual Name on File
Mailing Address	481 E 3RD ST, HARBOR SPRINGS, MI 49740-1537
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 01, 2018	Warranty Deed, Transfer
Oct 01, 2018	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	May 18, 2007 · Amount on Record
Deed Sale	May 18, 2007 · Amount on Record
Prior Sale	Dec 02, 1998 · Amount on Record
Deed Book / Page	1091 / 829
Last Transfer Date	Sep 25, 2018
Transfer Doc	1206/914
Record Updated	Sep 20, 2026

October 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EMMET MI
Recording Date	Oct 01, 2018
Property Address	481 E 3RD ST, HARBOR SPRINGS, MI 49740-1537
Document Number	1206/914
Book / Page	1206 / 914
Instrument Date	Sep 25, 2018
Instrument	000005159808
Transaction Type	Transfer
Record Updated	Jun 22, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1303 PARK PL, PLYMOUTH, MI 48170-1522

October 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EMMET MI
Recording Date	Oct 01, 2018
Property Address	481 E 3RD ST, HARBOR SPRINGS, MI 49740-1537
Document Number	1206/913
Book / Page	1206 / 913
Instrument Date	Sep 25, 2018
Instrument	000005159807
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	1303 PARK PL, PLYMOUTH, MI 48170-1522

Tax Assessment & Valuation

Source: Emmet County records · Assessment roll updated July 21, 2026 · Last verified July 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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$543,500 (+9.03%) Land $543,500	$1,087,000 (+9.03%) Land $1,087,000
2025		$498,500 (+134.48%) Land $498,500	$997,000 (+134.48%) Land $997,000
2024	$5,507.00
2023		$212,600 Land $212,600	$425,200 Land $425,200

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Emmet County (26047C), updated May 31, 2022 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 260479704004, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Flood Insurance Cost	Premium on Record median of 11 individual NFIP policies nearby
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

Wildfire

Wildfire Risk	Low above 20% of the US · above 52% of Michigan
Wildfire Likelihood	About 1 in 10,000 per year
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 380 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Spectrum	Cable	1,000 / 1,000
Starlink	Satellite (low-earth orbit)	280 / 30

May also be available at this address: AT&T, Spectrum. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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