Emmet County property record for 609 E Bluff Dr, Harbor Springs, MI 49740
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 4,000 sqft · built 1950 |
| Lot Size | 0.257 acres (11,195 sqft) |
| Owner | Company Name on Record |
| Last Sale | $975,000 (Feb 2012) |
| Tax Bill | $17,482 (2024) |
| Deeds & Mortgages | Aug 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 51-15-13-203-073 |
| Primary APN | 51-15-13-203-073 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 4,000 sqft Living Area |
| 1st Floor Area | 2,108 sqft |
| Basement Area | 527 sqft |
| Unfinished Basement | 527 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1950 |
|---|---|
| Effective Year Built | Effective 1950 |
| Exterior Material | Stucco |
| Lot Area | 11,195 sqft (0.257 acres) |
| Lot Dimensions | 170 ft deep x 65 ft wide |
| Garage Area | 1,365 sqft |
| Heating System | Forced Air with A/C |
|---|
| Street Address | 609 E BLUFF DR |
|---|---|
| City | HARBOR SPRINGS |
| State | MI |
| Zip | 49740-1506 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | COHS R-1-B |
| Legal Description | J.C. GLENN'S PLAT, COM 595 FT W OF NE COR OF OF LOT 11, TH S TO BLUFF ST, W ALG SD ST TO W LN OF SD LOT 11, TH N TO NW COR, E TO POB, ALSO THAT PT OF LOT 11 COM AT NW COR THEREOF, TH E 14.47 FT, S 10.95 FT, TH N-88-59-46-E 132.03 FT ALG N LOT LN, TH |
| Legal Range | 06W |
| Legal Township | 35N |
| Legal Section | 13 |
| Legal Subdivision | S13 T35N R6W |
| Legal Lot Number | 11 |
| Jurisdiction | EMMET MI |
| Township / Civil Division | HARBOR SPRINGS |
| Census Block Group | 4 |
| Census Block | 4020 |
| Census Tract | 970400 |
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 | 609 E BLUFF DR, HARBOR SPRINGS, MI 49740-1506 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Borrower in Default |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Feb 21, 2012 · Amount on Record |
| Deed Sale | Feb 21, 2012 · Amount on Record |
| Prior Sale | Jul 1, 1996 |
| Deed Book / Page | 1142 / 293 |
| Prior Transfer Date | Feb 13, 2012 |
| Prior Transfer Doc | 1142/293 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | EMMET MI |
| Property Address | 609 E BLUFF DR, HARBOR SPRINGS, MI 49740-1506 |
| Transaction Type | Mortgage |
| Record Updated | Sep 14, 2021 |
| Name | Verified Name |
|---|---|
| Address | 609 E BLUFF DR, HARBOR SPRINGS, MI 49740-1506 |
| Document Number | 0000001236/0000000120 |
|---|---|
| Date | Aug 16, 2021 |
| Book Page | 0000001236/0000000120 |
| Instrument | 5189082 |
| Name | DRAPER AND KRAMER MORTGAGE |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 1, 2051 |
Source: Emmet County assessment roll, as of July 21, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Emmet County |
| Municipality | Harbor Springs City |
| Unified School District | Harbor Springs School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $1,302,800 (+0.73%) Land $1,302,800 | $2,605,600 (+0.73%) Land $2,605,600 | |
| 2025 | $1,293,300 (+36.6%) Land $1,293,300 | $2,586,600 (+36.6%) Land $2,586,600 | |
| 2024 | $17,482.00 | ||
| 2023 | $946,800 Land $946,800 | $1,893,600 Land $1,893,600 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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.
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 |
| 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.
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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