655 Pine St, Harbor Springs, MI 49740 Property Records

Emmet County property record for 655 Pine St, Harbor Springs, MI 49740

Property Summary

Property Type	Single Family Home
Owner	Company on Record
Last Sale	$200,000 (Oct 2021)
Deeds & Mortgages	Mar 2024 Foreclosure Nov 2023 Foreclosure + 1 more
Flood Zone	Zone X (minimal risk)
APN	`51-15-13-203-031`

Property Details

APN / Parcel Number

Primary APN	`51-15-13-203-031`

Location & Zoning

Street Address	655 PINE ST
City	HARBOR SPRINGS
State	MI
Zip	49740-1315
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	COHS R-1-C
Legal Description	J.C. GLENNS PLAT, L.A OF PLATS P86-7, COM 25 FT N OF SE COR OF LOT 2, W 1 RD,TH NW TO A PT 2 RD W OF E LN OF SD LOT AT PT OF
Legal Lot Number	2
Jurisdiction	EMMET MI
Township / Civil Division	HARBOR SPRINGS
Census Block Group	4
Census Block	4000
Census Tract	970400

Owner

Source: Emmet County assessment roll, as of March 1, 2023

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company on Record
Mailing Address	200 DIVISION ST, PETOSKEY, MI 49770-2486
Owner Type	Company

Deeds, Mortgages & Sale History

Date	Document
Mar 1, 2024	Foreclosure
Nov 28, 2023	Foreclosure Foreclosure Auction
Oct 19, 2021	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 19, 2021 · Amount on Record
Deed Sale	Oct 19, 2021 · Amount on Record
Prior Sale	Nov 28, 2023 · Amount on Record
Deed Document Number	001238/137
Deed Book / Page	1238 / 137
Last Transfer Date	Mar 1, 2024
Transfer Doc	001258/114
Record Updated	Jun 7, 2026

March 2024: Foreclosure

Document Type	Foreclosure
Jurisdiction	EMMET MI
Recording Date	Mar 1, 2024
Property Address	655 PINE ST, HARBOR SPRINGS, MI 49740-1315
Document Number	001258/114
Book / Page	1258 / 114
Instrument Date	Mar 1, 2024
Instrument	5211121
Transaction Type	Foreclosure
Record Updated	Mar 8, 2024

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Tax Sale

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	200 DIVISION ST, PETOSKEY, MI 49770-2486

November 2023: Foreclosure

Document Type	Foreclosure
Jurisdiction	EMMET MI
Recording Date	Nov 28, 2023
Property Address	655 PINE ST, HARBOR SPRINGS, MI 49740-1315
Document Number	001256/289
Book / Page	1256 / 289
Instrument Date	Nov 28, 2023
Instrument	5209278
Transaction Type	Foreclosure
Record Updated	Dec 8, 2023

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Redemption Amount
Additional	Foreclosure Auction

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	655 PINE ST, HARBOR SPRINGS, MI 49740-1315

October 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EMMET MI
Recording Date	Oct 19, 2021
Property Address	655 PINE ST, HARBOR SPRINGS, MI 49740-1315
Document Number	001238/137
Book / Page	1238 / 137
Instrument Date	Nov 24, 2020
Instrument	5191099
Transaction Type	Transfer
Record Updated	May 5, 2023

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	655 PINE ST, HARBOR SPRINGS, MI 49740-1315

Tax Assessment & Valuation

Source: Emmet County assessment roll, as of March 1, 2023

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	Assessed Value	Assessed Market Value
2023	$442,000 Land $442,000	$884,000 Land $884,000

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	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.

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