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

Emmet County property record for 675 E Bluff Dr, Harbor Springs, MI 49740

Property Summary

Property TypeSingle Family Home
Details1 ba · 6,000 sqft · built 2013
Lot Size0.57 acres (24,829 sqft)
OwnerCompany Name on Record
Last Sale$800,000 (Oct 2011)
Tax Bill$46,673 (2024)
Deeds & MortgagesDec 2022 Sale
Flood ZoneZone X (minimal risk)
APN51-15-13-203-164

Property Details

APN / Parcel Number

Primary APN51-15-13-203-164

Interior

Full Baths1 Bath
Half Baths1 Half Bath
Stories2 Stories
Building Area6,000 sqft Living Area
1st Floor Area3,000 sqft
Basement Area3,000 sqft
Unfinished Basement3,000 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 2013
Effective Year BuiltEffective 2013
Exterior MaterialWood Siding
Lot Area24,829 sqft (0.57 acres)
Lot Dimensions120 ft deep x 127 ft wide
Garage Area864 sqft

Utilities, Heating & Cooling

Heating SystemForced Air with A/C

Location & Zoning

Street Address675 E BLUFF DR
CityHARBOR SPRINGS
StateMI
Zip49740-1506
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeCOHS R-1-C
Legal DescriptionJ.C. GLENN'S PLAT, COM AT NE COR LOT 11, TH W 132 FT, S 330 FT, E TO E LOT LN, TH N ON SD E LN TO POB, ALSO COM AT NE COR OF LOT 11 TH ALG E LOT LN S1?47'W 330 FT, TH S89?4'W 106.13 FT TO POB, TH S3?40'E 25.05 FT, TH S89?4'W 95.35 FT, N 82.37 FT, E 7
Legal Range06W
Legal Township35N
Legal Section13
Legal SubdivisionS13 T35N R6W
Legal Lot Number11
JurisdictionEMMET MI
Township / Civil DivisionHARBOR SPRINGS
Census Block Group4
Census Block4020
Census Tract970400

Owner

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 RecordCompany Name on Record
Mailing Address2326 BAY VILLAGE CT, WEST PALM BEACH, FL 33410-2580
Owner TypeCompany
VestingTrust

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed NamesName on Deed
Last SaleOct 11, 2011 · Amount on Record
Deed SaleOct 11, 2011 · Amount on Record
Prior SaleApr 29, 2009
Deed Book / Page1138 / 594
Last Transfer DateDec 22, 2022
Transfer Doc001249/269
Record UpdatedOct 29, 2026

December 2022: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionEMMET MI
Recording DateDec 27, 2022
Property Address675 E BLUFF DR, HARBOR SPRINGS, MI 49740-1506
Document Number001249/269
Book / Page1249 / 269
Instrument DateDec 22, 2022
Instrument5202238
Transaction TypeTransfer
Record UpdatedJan 6, 2023

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address1367 DAKOTA DR, JUPITER, FL 33458-8407

Tax Assessment & Valuation

Source: Emmet County assessment roll, as of July 21, 2026

Property Jurisdictions

TypeName
StateMichigan
CountyEmmet County
MunicipalityHarbor Springs City
Unified School DistrictHarbor Springs School District (KG - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$2,555,800 (+2.1%) Land $2,555,800$5,111,600 (+2.1%) Land $5,111,600
2025$2,503,200 (+36.36%) Land $2,503,200$5,006,400 (+36.36%) Land $5,006,400
2024$46,673.00
2023$1,835,700 Land $1,835,700$3,671,400 Land $3,671,400

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 ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone A, within 100 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 11 policies
Nearby Flood Policies11 in force
Nearby Flood Claims1 (2026)
Claims Outside the SFHA1 of 1
Most Recent ClaimJul 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 RiskLow
lower than 80% of the US · above 51% of Michigan
Wildfire Likelihood0.01% annual chance
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

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 SystemCITY OF HARBOR SPRINGS
serves 1,194 people · EPA ID MI0003010
Water SourceGroundwater
Last State InspectionDec 2024
Lead2 ppb (2022–2024)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting1
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

ProviderMax 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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