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

Emmet County property record for 683 E Bluff Dr, Harbor Springs, MI 49740

Property Summary

Property Type	Single Family Home
Details	3.5 ba · 4,760 sqft · built 2005
Lot Size	0.34 acres (14,810 sqft)
Owner	2 Company Names on Record
Tax Bill	$53,121 (2024)
Deeds & Mortgages	Oct 2025 Sale Dec 2019 Sale + 2 more
Flood Zone	Zone X (minimal risk)
APN	`51-15-13-203-173`

Property Details

APN / Parcel Number

Primary APN	`51-15-13-203-173`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	4,760 sqft Living Area
1st Floor Area	2,860 sqft
Basement Area	1,900 sqft
Unfinished Basement	1,900 sqft
Fireplaces	3 Fireplaces
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Exterior Material	Wood Siding
Lot Area	14,810 sqft (0.34 acres)
Lot Dimensions	220 ft deep x 67 ft wide
Garage Area	960 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	683 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, PT OF LOT 12, COM AT NW COR OF LOT 12 OF SD PLAT, TH ALG W LN OF SD LOT 12 S1?43?47?W 112.84 FT TO POB, TH S88?16?12?E 67.07 FT, TH S1?43?47?W 161.86 FT, TH N77?16?13?W 68.32 FT TO SD W LN OF SD LOT 12, TH ALG SD W LN OF LOT 12 N1?
Legal Lot Number	12
Jurisdiction	EMMET MI
Township / Civil Division	HARBOR SPRINGS
Census Block Group	4
Census Block	4020
Census Tract	970400

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 Record	2 Company Names on Record
Mailing Address	PO BOX 2027, BOCA GRANDE, FL 33921-2027
Owner Type	Company
Vesting	Borrower in Default

Deeds, Mortgages & Sale History

Date	Document
Oct 24, 2025	Warranty Deed, Transfer
Dec 16, 2019	Deed, Transfer
Oct 11, 2019	Warranty Deed, Transfer
Sep 29, 2017	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 24, 2025
Deed Sale	Oct 24, 2025
Prior Sale	Jul 25, 2024
Deed Document Number	20255223840
Deed Book / Page	1270 / 808
Prior Transfer Date	Dec 6, 2019
Prior Transfer Doc	1217/696
Record Updated	Oct 29, 2026

October 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EMMET MI
Recording Date	Oct 24, 2025
Property Address	683 E BLUFF DR, HARBOR SPRINGS, MI 49740-1506
Document Number	001270/808
Book / Page	1270 / 808
Instrument Date	Oct 24, 2025
Instrument	5223840
Transaction Type	Transfer
Record Updated	Nov 3, 2025

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	PO BOX 2027, BOCA GRANDE, FL 33921-2027

December 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	EMMET MI
Recording Date	Dec 16, 2019
Property Address	683 E BLUFF DR, HARBOR SPRINGS, MI 49740-1506
Document Number	1217/696
Book / Page	1217 / 696
Instrument Date	Dec 6, 2019
Instrument	5170617
Transaction Type	Transfer
Record Updated	Jun 22, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 169, HARBOR SPRINGS, MI 49740-0169

October 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EMMET MI
Recording Date	Oct 11, 2019
Property Address	683 E BLUFF DR, HARBOR SPRINGS, MI 49740-1506
Document Number	1215/965
Book / Page	1215 / 965
Instrument Date	Sep 30, 2019
Instrument	5168887
Transaction Type	Transfer
Record Updated	Jun 22, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	13 UPPER BARNES RD, SAINT LOUIS, MO 63124-1664

September 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EMMET MI
Recording Date	Sep 29, 2017
Property Address	683 E BLUFF DR, HARBOR SPRINGS, MI 49740-1506
Document Number	1198/0188
Book / Page	1198 / 0188
Instrument Date	Sep 22, 2017
Instrument	5151064
Transaction Type	Transfer
Record Updated	Jun 22, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2295 MACKENZIE CT, 2295, CLEARWATER, FL 33765-2241

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 169, HARBOR SPRINGS, MI 49740-0169

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		$2,262,000 (-7.48%) Land $2,262,000	$4,524,000 (-7.48%) Land $4,524,000
2025		$2,444,800 (+33.52%) Land $2,444,800	$4,889,600 (+33.52%) Land $4,889,600
2024	$53,121.00
2023		$1,831,100 Land $1,831,100	$3,662,200 Land $3,662,200

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 100 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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