Emmet County property record for 549 E 3rd St, Harbor Springs, MI 49740
| Property Type | Single Family Home |
|---|---|
| Details | 3.5 ba · 4,115 sqft · built 2013 |
| Lot Size | 0.316 acres (13,765 sqft) |
| Owner | 2 Company Names on File |
| Last Sale | $170,000 (Jul 1998) |
| Tax Bill | $12,695 (2024) |
| Flood Zone | Zone X (minimal risk) |
| APN | 51-15-13-203-103 |
| Primary APN | 51-15-13-203-103 |
|---|
| Full Baths | 3.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 4,115 sqft Living Area |
| 1st Floor Area | 2,874 sqft |
| Basement Area | 392 sqft |
| Unfinished Basement | 392 sqft |
| Fireplaces | 3 Fireplaces |
| Fireplace | Fireplace |
| Year Built | Built 2013 |
|---|---|
| Effective Year Built | Effective 2013 |
| Lot Area | 13,765 sqft (0.316 acres) |
| Lot Dimensions | 103 ft deep x 133 ft wide |
| Heating System | Forced Air with A/C |
|---|
| Street Address | 549 E 3RD ST |
|---|---|
| City | HARBOR SPRINGS |
| State | MI |
| Zip | 49740-1539 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | COHS R-1-C |
| Legal Description | J.C. GLENN'S PLAT, COM 528 FT W OF E LN OF LOT 11 ON N LN OF THIRD ST, TH SW'LY ALG SD ST TO W LN OF LOT 11, TH N 106.5 FT |
| Legal Range | 06W |
| Legal Township | 35N |
| Legal Section | 13 |
| Legal Subdivision | J C GLENNS |
| Legal Lot Number | 11 |
| Jurisdiction | EMMET MI |
| Township / Civil Division | HARBOR SPRINGS |
| Census Block Group | 4 |
| Census Block | 4020 |
| Census Tract | 970400 |
Source: Emmet County records · APN 51-15-13-203-103
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 | 2 Company Names on File |
|---|---|
| Mailing Address | 4000 MAIN ST, 200, PETOSKEY, MI 49770-8040 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jul 29, 1998 · Amount on Record |
| Deed Sale | Jul 29, 1998 · Amount on Record |
| Last Transfer Date | Oct 02, 2015 |
| Transfer Doc | 1179/0980 |
| Record Updated | Sep 20, 2026 |
Source: Emmet County records · Assessment roll updated July 21, 2026 · Last verified July 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Emmet County |
| Municipality | Harbor Springs City |
| Unified School District | Harbor Springs School District (KG - 12) |
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 | $1,472,000 (+8.44%) Land $1,472,000 | $2,944,000 (+8.44%) Land $2,944,000 | |
| 2025 | $1,357,400 (+83.28%) Land $1,357,400 | $2,714,800 (+83.28%) Land $2,714,800 | |
| 2024 | $12,695.00 | ||
| 2023 | $740,600 Land $740,600 | $1,481,200 Land $1,481,200 |
Source: FEMA National Flood Hazard Layer as of May 31, 2022 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 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 |
| Wildfire Risk | Low lower than 80% of the US · above 51% of Michigan |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| 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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| 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.
Based on FCC filings for 380 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | CITY OF HARBOR SPRINGS serves 1,194 people |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Dec 2024 |
| Lead | 2 ppb (2022–2024) action level 15 ppb |
| 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 as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.
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