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

Emmet County property record for 527 E Bluff Dr, Harbor Springs, MI 49740

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,699 sqft · built 1905
Lot Size	0.205 acres (8,930 sqft)
Owner	Individual Name on Record
Last Sale	$800,000 (Sep 2012)
Tax Bill	$11,576 (2024)
Deeds & Mortgages	May 2026 Mortgage Apr 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`51-15-13-202-019`

Property Details

APN / Parcel Number

Primary APN	`51-15-13-202-019`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	1,699 sqft Living Area
1st Floor Area	1,142 sqft
Basement Area	557 sqft
Unfinished Basement	557 sqft

Exterior

Year Built	Built 1905
Effective Year Built	Effective 1905
Exterior Material	Stucco
Lot Area	8,930 sqft (0.205 acres)
Lot Dimensions	105 ft deep x 85 ft wide
Garage Area	252 sqft

Utilities, Heating & Cooling

Heating System	HVAC

Location & Zoning

Street Address	527 E BLUFF DR
City	HARBOR SPRINGS
State	MI
Zip	49740-1572
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, E 1/2 OF LOT 11, DESC AS COM AT NE COR OF SD LOT, TH S 112.2 FT TO SE COR OF LOT, TH S-65-24-26-W ALG S LOT LN 83.07 FT, TH N 146.5 FT, TH E ALG N LOT LN 74.87 FT TO POB. SECTION 13, T35N, R6W.
Legal Range	06W
Legal Township	35N
Legal Section	13
Legal Subdivision	JL MORRICES ADDITION
Legal Lot Number	11
Jurisdiction	EMMET MI
Township / Civil Division	HARBOR SPRINGS
Census Block Group	4
Census Block	4021
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	Individual Name on Record
Mailing Address	527 E BLUFF DR, HARBOR SPRINGS, MI 49740-1572
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 4, 2026	Deed of Trust · Conventional Mortgage FIRST COMMUNITY BANK
Apr 20, 2022	Deed of Trust, Mortgage · Conventional Mortgage FIRST COMMUNITY BANK
Mar 30, 2021	Deed of Trust, Mortgage · Conventional Mortgage FIRST COMMUNITY BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 13, 2012 · Amount on Record
Deed Sale	Sep 13, 2012 · Amount on Record
Prior Sale	Jun 1, 1997 · Amount on Record
Deed Document Number	20125101249
Deed Book / Page	1148 / 626
Record Updated	Oct 29, 2026

May 2026: Deed of Trust

Document Type	Deed of Trust
Jurisdiction	EMMET MI
Recording Date	May 4, 2026
Property Address	527 E BLUFF DR, HARBOR SPRINGS, MI 49740-1572
Document Number	0000001274/0000000850
Book / Page	1274 / 850
Instrument Date	Apr 22, 2026
Instrument	2026.5227899
Record Updated	May 19, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	527 E BLUFF DR, HARBOR SPRINGS, MI 49740-1572

Mortgage

Document Number	0005227899,
Date	May 4, 2026
Book Page	1274/850
Instrument	2026.5227899

Lender

Name	FIRST COMMUNITY BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2056

Interest

Rate	6.38%
Max Rate	-1%

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EMMET MI
Property Address	527 E BLUFF DR, HARBOR SPRINGS, MI 49740-1572
Transaction Type	Mortgage
Record Updated	May 16, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	527 E BLUFF DR, HARBOR SPRINGS, MI 49740-1572

Mortgage

Document Number	0000001243/0000000325
Date	Apr 20, 2022
Book Page	0000001243/0000000325
Instrument	5196297

Lender

Name	FIRST COMMUNITY BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EMMET MI
Property Address	527 E BLUFF DR, HARBOR SPRINGS, MI 49740-1572
Transaction Type	Mortgage
Record Updated	Apr 26, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	527 E BLUFF DR, HARBOR SPRINGS, MI 49740-1572

Mortgage

Document Number	0000001231/0000000464
Date	Mar 30, 2021
Book Page	0000001231/0000000464
Instrument	5184430

Lender

Name	FIRST COMMUNITY BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	60 Months
Due	Jan 1, 2026

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		$543,600 (+5.02%) Land $543,600	$1,087,200 (+5.02%) Land $1,087,200
2025		$517,600 (+24.57%) Land $517,600	$1,035,200 (+24.57%) Land $1,035,200
2024	$11,576.00
2023		$415,500 Land $415,500	$831,000 Land $831,000

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	Indirect within ember reach
Adjoins Burnable Land	Yes

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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