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

Emmet County property record for 587 E Bluff Dr, Harbor Springs, MI 49740

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,340 sqft · built 1962
Lot Size	0.402 acres (17,511 sqft)
Owner	2 Company Names on Record
Tax Bill	$40,627 (2024)
Deeds & Mortgages	Nov 2023 Sale Jun 2020 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`51-15-13-202-029`

Property Details

APN / Parcel Number

Primary APN	`51-15-13-202-029`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,340 sqft Living Area
1st Floor Area	2,340 sqft
Basement Area	1,583 sqft
Unfinished Basement	1,583 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1962
Effective Year Built	Effective 1962
Exterior Material	Wood Siding
Lot Area	17,511 sqft (0.402 acres)
Lot Dimensions	175 ft deep x 100 ft wide
Garage Area	916 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	587 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, LOTS 4 & 5 & COM ON N?LY LN OF THIRD ST 206.42 FT W OF E LN OF LOT 10, J.C. GLENN'S SURVEY, TH N PAR TO E LN OF LOT 10, 150 FT TO POB, TH W PAR TO N?LY LN OF THIRD ST TO A PT 262.14 FT W OF E LOT LN, TH N
Legal Range	06W
Legal Township	35N
Legal Section	13
Legal Subdivision	J L MORRICE'S ADDITION
Legal Lot Number	4-5
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	587 E BLUFF DR, HARBOR SPRINGS, MI 49740-1505
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Nov 9, 2023	Warranty Deed, Transfer TALON TITLE AGENCY
Jun 19, 2020	Deed, Transfer
Jul 16, 2019	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 9, 2023
Deed Sale	Nov 9, 2023
Prior Sale	Nov 9, 2023
Deed Document Number	20235208985
Deed Book / Page	1255 / 965
Prior Transfer Date	Jul 15, 2019
Prior Transfer Doc	1213/525
Record Updated	Oct 29, 2026

November 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EMMET MI
Recording Date	Nov 9, 2023
Property Address	587 E BLUFF DR, HARBOR SPRINGS, MI 49740-1505
Document Number	001255/965
Book / Page	1255 / 965
Instrument Date	Nov 1, 2023
Instrument	5208985
Transaction Type	Transfer
Record Updated	Nov 17, 2023
Title Company	TALON TITLE AGENCY

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	4850 LONGFIELD FARM TRL, BOYNE CITY, MI 49712-9275

June 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	EMMET MI
Recording Date	Jun 19, 2020
Property Address	587 E BLUFF DR, HARBOR SPRINGS, MI 49740-1505
Document Number	1222/338
Book / Page	1222 / 338
Instrument Date	Jun 12, 2020
Instrument	5175280
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	PO BOX 825, HARBOR SPRINGS, MI 49740-0825

July 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EMMET MI
Recording Date	Jul 16, 2019
Property Address	587 E BLUFF DR, HARBOR SPRINGS, MI 49740-1505
Document Number	1213/525
Book / Page	1213 / 525
Instrument Date	Jul 15, 2019
Instrument	5166445
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	587E 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		$1,876,500 (+1.51%) Land $1,876,500	$3,753,000 (+1.51%) Land $3,753,000
2025		$1,848,500 (+37.5%) Land $1,848,500	$3,697,000 (+37.5%) Land $3,697,000
2024	$40,627.00
2023		$1,344,400 Land $1,344,400	$2,688,800 Land $2,688,800

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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