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

Emmet County property record for 577 E Bluff Dr, Harbor Springs, MI 49740

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 2,975 sqft
Lot Size	0.235 acres (10,237 sqft)
Owner	Company Name on Record
Tax Bill	$14,465 (2024)
Deeds & Mortgages	Dec 2021 Mortgage Dec 2021 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`51-15-13-202-009`

Property Details

APN / Parcel Number

Primary APN	`51-15-13-202-009`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,975 sqft Living Area
1st Floor Area	1,700 sqft
Basement Area	1,700 sqft
Unfinished Basement	1,700 sqft

Exterior

Exterior Material	Wood Siding
Lot Area	10,237 sqft (0.235 acres)
Lot Dimensions	205 ft deep x 50 ft wide
Garage Area	720 sqft

Utilities, Heating & Cooling

Heating System	HVAC

Location & Zoning

Street Address	577 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 6. SECTION 13, T35N, R6W
Legal Range	06W
Legal Township	35N
Legal Section	13
Legal Subdivision	JL MORRICES ADDITION
Legal Lot Number	6
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	Company Name on Record
Mailing Address	577 E BLUFF DR, HARBOR SPRINGS, MI 49740-1505
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Dec 21, 2021	Quit Claim Deed, Transfer · VA Mortgage ROCKET MORTGAGE
Dec 21, 2021	Quit Claim Deed, Transfer Quitclaim
Aug 14, 2017	Deed of Trust, Mortgage · Line of Credit COMERICA BANK
Dec 28, 2020	Deed of Trust, Mortgage · Conventional Mortgage COMMERCIAL BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 21, 2021
Deed Sale	Dec 21, 2021
Prior Sale	Dec 1, 2010
Deed Document Number	20215193089
Deed Book / Page	1240 / 129
Prior Transfer Date	Dec 13, 2021
Prior Transfer Doc	001240/132
Record Updated	Oct 29, 2026

December 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	EMMET MI
Recording Date	Dec 21, 2021
Property Address	577 E BLUFF DR, HARBOR SPRINGS, MI 49740-1505
Document Number	001240/129
Book / Page	1240 / 129
Instrument Date	Dec 13, 2021
Instrument	5193089
Transaction Type	Transfer
Record Updated	Jan 14, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	577 E BLUFF DR, HARBOR SPRINGS, MI 49740-1505

Mortgage

Document Number	0005193091
Date	Dec 21, 2021
Instrument	5193091

Lender

Name	ROCKET MORTGAGE

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2052

December 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	EMMET MI
Recording Date	Dec 21, 2021
Property Address	577 E BLUFF DR, HARBOR SPRINGS, MI 49740-1505
Document Number	001240/132
Book / Page	1240 / 132
Instrument Date	Dec 13, 2021
Instrument	5193092
Transaction Type	Transfer
Record Updated	Jan 14, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	577 E BLUFF DR, HARBOR SPRINGS, MI 49740-1505

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EMMET MI
Property Address	577 E BLUFF DR, HARBOR SPRINGS, MI 49740-1505
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1196/0998
Date	Aug 14, 2017
Book Page	1196/0998
Instrument	5149874

Lender

Name	COMERICA BANK
Type	Bank
Address	DALLAS, TX 75201

Agreement

Type	Line of Credit
Amount	Amount Recorded

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EMMET MI
Property Address	577 E BLUFF DR, HARBOR SPRINGS, MI 49740-1505
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	577 E BLUFF DR, HARBOR SPRINGS, MI 49740-1505

Mortgage

Document Number	0000001228/0000000360
Date	Dec 28, 2020
Book Page	0000001228/0000000360
Instrument	5181310

Lender

Name	COMMERCIAL BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

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		$1,121,600 (+8.95%) Land $1,121,600	$2,243,200 (+8.95%) Land $2,243,200
2025		$1,029,500 (+40.18%) Land $1,029,500	$2,059,000 (+40.18%) Land $2,059,000
2024	$14,465.00
2023		$734,400 Land $734,400	$1,468,800 Land $1,468,800

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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