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

Emmet County property record for 647 E Bluff Dr, Harbor Springs, MI 49740

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 4,310 sqft · built 1920
Lot Size	0.447 acres (19,471 sqft)
Owner	Individual Name on File
Tax Bill	$14,735 (2024)
Deeds & Mortgages	May 2020 Mortgage Mar 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`51-15-13-203-147`

Property Details

APN / Parcel Number

Primary APN	`51-15-13-203-147`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Stories	2 Stories
Building Area	4,310 sqft Living Area
1st Floor Area	2,016 sqft
Basement Area	858 sqft
Unfinished Basement	858 sqft
Fireplaces	2 Fireplaces
Fireplace	Fireplace

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Exterior Material	Wood Siding
Lot Area	19,471 sqft (0.447 acres)
Lot Dimensions	205 ft deep x 95 ft wide
Garage Area	585 sqft

Utilities, Heating & Cooling

Heating System	HVAC

Location & Zoning

Street Address	647 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-C
Legal Description	J.C. GLENN'S PLAT, COM 14.45 FT E OF NW COR OF LOT 11, TH E ALG N LOT LN & C/L OF PINE ST 198 FT TO A PT 462 FT W OF N COR OF LOT 11 TH S 25 FT TO POB TH CONT S TO C/L OF BLUFF DR, E ALG C/L 95 FT, TH N'LY TO A PT 100 FT E OF POB, TH W 100 FT TO POB,
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

647 E Bluff Dr is owned and occupied by an individual who acquired it in December 2020.

Source: Emmet County records, as of October 20, 2026

Owner of Record	Individual Name on File
Mailing Address	647 E BLUFF DR, HARBOR SPRINGS, MI 49740-1506
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
May 1, 2020	Deed of Trust, Mortgage · Conventional Mortgage JP MORGAN CHASE BANK
Mar 18, 2021	Quit Claim Deed, Transfer · Conventional Mortgage AMERISAVE MORTGAGE

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Dec 31, 2020
Transfer Doc	1231/88
Record Updated	Oct 29, 2026

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EMMET MI
Property Address	647 E BLUFF DR, HARBOR SPRINGS, MI 49740-1506
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	647 E BLUFF DR, HARBOR SPRINGS, MI 49740-1506

Mortgage

Document Number	0000001221/0000000195
Date	May 1, 2020
Book Page	0000001221/0000000195
Instrument	5174138

Lender

Name	JP MORGAN CHASE BANK

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Jan 1, 2035

March 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	EMMET MI
Recording Date	Mar 18, 2021
Property Address	647 E BLUFF DR, HARBOR SPRINGS, MI 49740-1506
Document Number	1231/88
Book / Page	1231 / 88
Instrument Date	Dec 31, 2020
Instrument	5184054
Transaction Type	Transfer
Record Updated	Jun 22, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	647 E BLUFF DR, HARBOR SPRINGS, MI 49740-1506

Mortgage

Document Number	5184055
Date	Mar 18, 2021
Instrument	5184055

Lender

Name	AMERISAVE MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	178 Months
Due	Jan 1, 2036

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		$1,497,500 Land $1,497,500	$2,995,000 Land $2,995,000
2024	$14,735.00
2023		$1,082,800 Land $1,082,800	$2,165,600 Land $2,165,600

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 647 E Bluff Dr in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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 File 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

Wildfire risk around 647 E Bluff Dr is low, with a 0.01% annual chance of 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.

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