Emmet County property record for 623 E Bluff Dr, Harbor Springs, MI 49740
| Property Type | Single Family Home |
|---|---|
| Details | 4 ba · 3,395 sqft · built 2000 |
| Lot Size | 0.256 acres (11,151 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $43,906 (2024) |
| Deeds & Mortgages | Aug 2021 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 51-15-13-203-075 |
| Primary APN | 51-15-13-203-075 |
|---|
| Full Baths | 4 Baths |
|---|---|
| Half Baths | 2 Half Baths |
| Stories | 1 Story |
| Building Area | 3,395 sqft Living Area |
| 1st Floor Area | 1,500 sqft |
| Basement Area | 1,500 sqft |
| Unfinished Basement | 1,500 sqft |
| Fireplaces | 2 Fireplaces |
| Fireplace | Fireplace |
| Year Built | Built 2000 |
|---|---|
| Effective Year Built | Effective 2000 |
| Lot Area | 11,151 sqft (0.256 acres) |
| Lot Dimensions | 168 ft deep x 66 ft wide |
| Garage Area | 850 sqft |
| Heating System | HVAC |
|---|
| Street Address | 623 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 | COM AT NW COR OF J.C. GLENN?S LOT 11, SECTION 13, TH N88?59?46?E 14.47 FT TO PT ON LN OF J.L. MORRICE?S ADD, BEING S00?01?16?W 10.95 FT FROM NE COR OF J.L. MORRICE?S ADD, TH N88?59?46?E 132.03 FT, ALG N LN OF SD LOT 11 & C/L OF PINE ST TO POB, TH CON |
| 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 |
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 | 623 E BLUFF DR, HARBOR SPRINGS, MI 49740-1506 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 31, 2005 |
| Deed Sale | Mar 31, 2005 |
| Prior Sale | Feb 25, 2004 |
| Deed Book / Page | 1065 / 646 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | EMMET MI |
| Recording Date | Aug 16, 2021 |
| Property Address | 623 E BLUFF DR, HARBOR SPRINGS, MI 49740-1506 |
| Document Number | 1236/166 |
| Book / Page | 1236 / 166 |
| Instrument Date | Jul 15, 2021 |
| Instrument | 5189128 |
| Transaction Type | Transfer |
| Record Updated | Sep 6, 2021 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1081 GREAT OAKS BLVD, ROCHESTER, MI 48307-1016 |
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 | $2,117,000 (+34.99%) Land $2,117,000 | $4,234,000 (+34.99%) Land $4,234,000 | |
| 2024 | $43,906.00 | ||
| 2023 | $1,568,300 Land $1,568,300 | $3,136,600 Land $3,136,600 |
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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