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

Emmet County property record for 587 E 3rd St, Harbor Springs, MI 49740 · Last verified August 2026

Property Summary

Property TypeSingle Family Home
Details4 bd · 1.5 ba · 2,514 sqft · built 1920
Lot Size0.138 acres (6,011 sqft)
Owner2 Individual Names on File
Last Sale$750,000 (Jun 2023)
Tax Bill$21,142 (2024)
Deeds & MortgagesJun 2023 Sale & Mortgage
Jan 2020 Mortgage
+ 2 more
Flood ZoneZone X (minimal risk)
APN51-15-13-203-099

Property Details

APN / Parcel Number

Primary APN51-15-13-203-099

Interior

Bedrooms4 Beds
Full Baths1.5 Baths
Half Baths1 Half Bath
Stories2 Stories
Building Area2,514 sqft Living Area
1st Floor Area1,485 sqft
Basement Area1,050 sqft
Unfinished Basement1,050 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1920
Effective Year BuiltEffective 1920
Lot Area6,011 sqft (0.138 acres)
Lot Dimensions75 ft deep x 80 ft wide

Utilities, Heating & Cooling

Heating SystemForced Air with A/C

Location & Zoning

Street Address587 E 3RD ST
CityHARBOR SPRINGS
StateMI
Zip49740-1539
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionJ.C. GLENN'S PLAT, L.A OF PLATS P86-7, PT OF LOT 11, COM AT NE COR OF SECTION 13, TH S 975.3 FT ALG E LN OF SEC TO C/L OF
Legal Range06W
Legal Township35N
Legal Section13
Legal SubdivisionS13 T35N R6W
Legal Lot Number11
JurisdictionEMMET MI
Township / Civil DivisionHARBOR SPRINGS
Census Block Group4
Census Block4020
Census Tract970400

Owner

Source: Emmet County records · APN 51-15-13-203-099

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

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

Owner of Record2 Individual Names on File
Mailing Address500 HAMILTON RD, BLOOMFIELD HILLS, MI 48301-2548
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Jun 20, 2023Warranty Deed, Transfer · Conventional Mortgage
NATIONAL MORTGAGE HOME LOANS
Jan 23, 2020Deed of Trust, Mortgage · Conventional Mortgage
FIRST COMMUNITY BANK
Dec 22, 2021Deed of Trust, Mortgage · Conventional Mortgage
FIRST COMMUNITY BANK
Apr 12, 2019Warranty Deed, Transfer
ATTORNEY'S TITLE, ATTORNEYS TITLE

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleJun 20, 2023 · Amount on Record
Deed SaleJun 20, 2023 · Amount on Record
Prior SaleOct 19, 2010 · Amount on Record
Deed Document Number20235205892
Deed Book / Page1252 / 900
Prior Transfer DateApr 19, 2010
Prior Transfer Doc001122/965
Record UpdatedSep 20, 2026

June 2023: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionEMMET MI
Recording DateJun 20, 2023
Property Address587 E 3RD ST, HARBOR SPRINGS, MI 49740-1539
Document Number001252/900
Book / Page1252 / 900
Instrument DateJun 13, 2023
Instrument5205892
Transaction TypeTransfer
Record UpdatedJun 30, 2023

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$0.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address587 E 3RD ST, HARBOR SPRINGS, MI 49740-1539

Mortgage

Document Number0005205893
DateJun 20, 2023
Instrument5205893
Lender
NameNATIONAL MORTGAGE HOME LOANS
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term355 Months
DueJan 01, 2053

January 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionEMMET MI
Property Address587 E 3RD ST, HARBOR SPRINGS, MI 49740-1539
Transaction TypeMortgage
Record UpdatedAug 12, 2022

Transferred To (Grantee/Buyer)

NameVerified Name
Address587E E 3RD ST, HARBOR SPRINGS, MI 49740-1539

Mortgage

Document Number0000001218/0000000740
DateJan 23, 2020
Book Page0000001218/0000000740
Instrument5171684
Lender
NameFIRST COMMUNITY BANK
Agreement
TypeConventional Mortgage
AmountAmount Recorded

December 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionEMMET MI
Property Address587 E 3RD ST, HARBOR SPRINGS, MI 49740-1539
Transaction TypeMortgage
Record UpdatedAug 12, 2022

Transferred To (Grantee/Buyer)

NameVerified Name
Address587 E 3RD ST, HARBOR SPRINGS, MI 49740-1539

Mortgage

Document Number0000001240/0000000175
DateDec 22, 2021
Book Page0000001240/0000000175
Instrument5193135
Lender
NameFIRST COMMUNITY BANK
Agreement
TypeConventional Mortgage
AmountAmount Recorded

April 2019: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionEMMET MI
Recording DateApr 12, 2019
Property Address587 E 3RD ST, HARBOR SPRINGS, MI 49740-1539
Document Number001211/456
Book / Page1211 / 456
Instrument DateFeb 20, 2019
Instrument5164376
Transaction TypeTransfer
Record UpdatedAug 12, 2022
Title CompanyATTORNEY'S TITLE, ATTORNEYS TITLE

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address587E E 3RD ST, HARBOR SPRINGS, MI 49740-1539

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateMichigan
CountyEmmet County
MunicipalityHarbor Springs City
Unified School DistrictHarbor Springs School District (KG - 12)

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

YearTax BillAssessed ValueAssessed Market Value
2026$997,600 (+258.08%) Land $997,600$1,995,200 (+258.08%) Land $1,995,200
2024$21,142.00
2023$278,600 Land $278,600$557,200 Land $557,200

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 ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Flood Insurance CostPremium on Record
median of 11 individual NFIP policies nearby
Nearby Flood Policies11 in force
Nearby Flood Claims1 (2026)
Claims Outside the SFHA1 of 1
Most Recent ClaimJul 2026, rainfall accumulation

Wildfire

Wildfire RiskLow
above 20% of the US · above 52% of Michigan
Wildfire LikelihoodAbout 1 in 10,000 per year
ExposureDirect
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

ProviderTechnologyDownload / Upload (Mbps)
SpectrumCable1,000 / 1,000
StarlinkSatellite (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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