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

Emmet County property record for 541 E Bluff Dr, Harbor Springs, MI 49740

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,678 sqft · built 1973
Lot Size	0.396 acres (17,250 sqft)
Owner	2 Company Names on Record
Tax Bill	$18,857 (2024)
Deeds & Mortgages	Sep 2018 Sale Nov 2017 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`51-15-13-202-007`

Property Details

APN / Parcel Number

Primary APN	`51-15-13-202-007`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,678 sqft Living Area
1st Floor Area	1,614 sqft
Basement Area	1,064 sqft
Unfinished Basement	1,064 sqft
Fireplaces	2 Fireplaces
Fireplace	Fireplace

Exterior

Year Built	Built 1973
Effective Year Built	Effective 1973
Exterior Material	Stucco
Lot Area	17,250 sqft (0.396 acres)
Lot Dimensions	230 ft deep x 75 ft wide
Garage Area	649 sqft

Utilities, Heating & Cooling

Heating System	HVAC

Location & Zoning

Street Address	541 E BLUFF DR
City	HARBOR SPRINGS
State	MI
Zip	49740-1505
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 7,8 & 9, EXC THEREFROM THE FOLLOWING DESC PARCEL: A PT OF LOT 9 DESC AS BEG AT LOT LN BET LOTS 9 & 10 AT N?LY ST LN OF BLUFF ST AS LAID OUT IN SD PLAT, TH N ON LOT LN BET LOTS 9 & 10, 99.6 FT, TH S10?
Legal Range	06W
Legal Township	35N
Legal Section	13
Legal Subdivision	J L MORRIS ADDITION
Legal Block	9
Legal Lot Number	7-10,99
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	2 Company Names on Record
Mailing Address	PO BOX 384, ACME, MI 49610-0384
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Sep 28, 2018	Warranty Deed, Transfer
Nov 2, 2017	Intrafamily Transfer, Transfer
Sep 18, 2017	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Feb 7, 2003
Transfer Doc	1197/0825
Record Updated	Oct 29, 2026

September 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EMMET MI
Recording Date	Sep 28, 2018
Property Address	541 E BLUFF DR, HARBOR SPRINGS, MI 49740-1505
Document Number	1206/863
Book / Page	1206 / 863
Instrument Date	Sep 17, 2018
Instrument	000000515757
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	5234 WINDMILL LN, COLUMBIA, MD 21044-1328

November 2017: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	EMMET MI
Recording Date	Nov 2, 2017
Property Address	541 E BLUFF DR, HARBOR SPRINGS, MI 49740-1505
Document Number	1198/0987
Book / Page	1198 / 0987
Instrument Date	Oct 26, 2017
Instrument	5151871
Transaction Type	Transfer
Record Updated	Jun 22, 2021

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5234 WINDMILL LN, 5234, COLUMBIA, MD 21044-1328

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5234 WINDMILL LN, COLUMBIA, MD 21044-1328

September 2017: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	EMMET MI
Recording Date	Sep 18, 2017
Property Address	541 E BLUFF DR, HARBOR SPRINGS, MI 49740-1505
Document Number	1197/0825
Book / Page	1197 / 0825
Instrument Date	Feb 7, 2003
Instrument	5150700
Transaction Type	Transfer
Record Updated	Jun 6, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	541 E BLUFF DR, 541, HARBOR SPRINGS, MI 49740-1505

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	541 E BLUFF DR, HARBOR SPRINGS, MI 49740-1505

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		$1,202,800 (+0.8%) Land $1,202,800	$2,405,600 (+0.8%) Land $2,405,600
2025		$1,193,200 (+39.41%) Land $1,193,200	$2,386,400 (+39.41%) Land $2,386,400
2024	$18,857.00
2023		$855,900 Land $855,900	$1,711,800 Land $1,711,800

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
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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