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

Emmet County property record for 591 E Bluff Dr, Harbor Springs, MI 49740

Property Summary

Property Type	Single Family Home
Details	4 bd · 5.5 ba · 5,332 sqft · built 1937
Lot Size	0.367 acres (15,987 sqft)
Owner	2 Individual Names on Record
Tax Bill	$36,810 (2024)
Deeds & Mortgages	Aug 2023 Mortgage Aug 2023 Sale
Flood Zone	Zone X (minimal risk)
APN	`51-15-13-202-011`

Property Details

APN / Parcel Number

Primary APN	`51-15-13-202-011`

Interior

Bedrooms	4 Beds
Full Baths	5.5 Baths
Half Baths	3 Half Baths
Stories	1 Story
Building Area	5,332 sqft Living Area
1st Floor Area	3,690 sqft
Basement Area	2,830 sqft
Unfinished Basement	2,830 sqft
Fireplaces	3 Fireplaces
Fireplace	Fireplace

Exterior

Year Built	Built 1937
Effective Year Built	Effective 1937
Exterior Material	Wood Siding
Lot Area	15,987 sqft (0.367 acres)
Lot Dimensions	160 ft deep x 100 ft wide
Garage Area	975 sqft

Utilities, Heating & Cooling

Heating System	HVAC

Location & Zoning

Street Address	591 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 2 & 3 & LAND LYING N OF A LN PAR TO & 150 FT N OF N SIDE OF SIDEWALK ON N SIDE OF 3RD ST, COM ON SD N LN OF ST AT A PT 1 CH 18.5 LKS W OF E LN OF LOT 10 OF GLENNS SUR, TH N PAR WITH E LN OF LOT 10 TO
Legal Range	06W
Legal Township	35N
Legal Section	13
Legal Subdivision	J L MORRICES ADD TO HARBOR SPG
Legal Lot Number	2-3,10
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 Individual Names on Record
Mailing Address	80 WESTMINSTER DR NE, ATLANTA, GA 30309-3329
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 24, 2023	Deed of Trust, Mortgage · Conventional Mortgage AMERIS BANK
Aug 24, 2023	Warranty Deed, Transfer TALON TITLE AGENCY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 24, 2023
Deed Sale	Aug 24, 2023
Deed Document Number	20235207297
Deed Book / Page	1254 / 306
Record Updated	Oct 29, 2026

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EMMET MI
Property Address	591 E BLUFF DR, HARBOR SPRINGS, MI 49740-1505
Transaction Type	Mortgage
Record Updated	Sep 1, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	591 E BLUFF DR, HARBOR SPRINGS, MI 49740-1505

Mortgage

Document Number	0000001254/0000000307
Date	Aug 24, 2023
Book Page	0000001254/0000000307
Instrument	5207298

Lender

Name	AMERIS BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	6.37%
Type Change Date	Sep 1, 2020

August 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EMMET MI
Recording Date	Aug 24, 2023
Property Address	591 E BLUFF DR, HARBOR SPRINGS, MI 49740-1505
Document Number	001254/306
Book / Page	1254 / 306
Instrument Date	Aug 16, 2023
Instrument	5207297
Transaction Type	Transfer
Record Updated	Sep 8, 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	80 WESTMINSTER DR NE, ATLANTA, GA 30309-3329

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		$2,382,900 (+40.01%) Land $2,382,900	$4,765,800 (+40.01%) Land $4,765,800
2024	$36,810.00
2023		$1,702,000 Land $1,702,000	$3,404,000 Land $3,404,000

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	Direct burnable vegetation

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.

Nearby Properties on E Bluff Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures