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

Emmet County property record for 595 E 3rd St, Harbor Springs, MI 49740

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,180 sqft · built 1930
Lot Size	0.075 acres (3,267 sqft)
Owner	Individual Name on File
Last Sale	$274,000 (Dec 2015)
Tax Bill	$8,393 (2024)
Flood Zone	Zone X (minimal risk)
APN	`51-15-13-203-102`

Property Details

APN / Parcel Number

Primary APN	`51-15-13-203-102`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,180 sqft Living Area
1st Floor Area	977 sqft
Basement Area	620 sqft
Unfinished Basement	620 sqft

Exterior

Year Built	Built 1930
Effective Year Built	Effective 1930
Lot Area	3,267 sqft (0.075 acres)
Lot Dimensions	65 ft deep x 50 ft wide

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	595 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	PT OF LOT 11, JC GLENN'S SURVEY, COM AT INT OF W LOT LN WITH N LN OF THIRD ST, TH N-73-53-E 133.7 FT ALG SD ST, TH N-73-53-E
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

Owner

Source: Emmet County records · APN 51-15-13-203-102

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	Individual Name on File
Mailing Address	4509 ANDRE ST, MIDLAND, MI 48642-6161
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Dec 31, 2015 · Amount on Record
Deed Sale	Dec 31, 2015 · Amount on Record
Prior Sale	Jan 28, 1999
Deed Document Number	20155134929
Deed Book / Page	1182 / 78
Record Updated	Sep 20, 2026

Tax Assessment & Valuation

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

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		$436,600 (+74.43%) Land $436,600	$873,200 (+74.43%) Land $873,200
2024	$8,393.00
2023		$250,300 Land $250,300	$500,600 Land $500,600

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Emmet County (26047C), as of May 31, 2022 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 260479704004, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026

Flood

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

Wildfire

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.

Internet Providers

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.

Drinking Water

Source: EPA Safe Drinking Water Information System, water system MI0003010, 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

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 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.