Emmet County property record for 685 E Bluff Dr, Harbor Springs, MI 49740
| Property Type | Single Family Home |
|---|---|
| Details | 4.5 ba · 6,838 sqft · built 2014 |
| Lot Size | 0.39 acres (16,988 sqft) |
| Owner | Company Name on Record |
| Tax Bill | $48,984 (2024) |
| Flood Zone | Zone X (minimal risk) |
| APN | 51-15-13-203-172 |
| Primary APN | 51-15-13-203-172 |
|---|
| Full Baths | 4.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 6,838 sqft Living Area |
| 1st Floor Area | 3,419 sqft |
| Basement Area | 3,419 sqft |
| Unfinished Basement | 3,419 sqft |
| Fireplaces | 4 Fireplaces |
| Fireplace | Fireplace |
| Year Built | Built 2014 |
|---|---|
| Effective Year Built | Effective 2014 |
| Exterior Material | Wood Siding |
| Lot Area | 16,988 sqft (0.39 acres) |
| Lot Dimensions | 155 ft deep x 109 ft wide |
| Garage Area | 900 sqft |
| Heating System | Forced Air with A/C |
|---|
| Street Address | 685 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 E 66 FT TH S 55 FT TO POB, TH S65?E 111 FT, TH S 52 FT, TH S67?E 8 FT, TH S 155 FT, TH N79?W 8 FT, TH S 74.50 FT, M/L, TH N84?W TO A PT S OF POB, TH N 321 FT M/L TO POB. INC COM |
| Legal Lot Number | 12 |
| 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 | Company Name on Record |
|---|---|
| Mailing Address | PO BOX 169, HARBOR SPRINGS, MI 49740-0169 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust |
| Deed Names | Name on Deed |
|---|---|
| Last Transfer Date | Sep 15, 2010 |
| Transfer Doc | 1129/641 |
| Record Updated | Oct 29, 2026 |
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 | $3,729,400 (+1.97%) Land $3,729,400 | $7,458,800 (+1.97%) Land $7,458,800 | |
| 2025 | $3,657,500 (+34.95%) Land $3,657,500 | $7,315,000 (+34.95%) Land $7,315,000 | |
| 2024 | $48,984.00 | ||
| 2023 | $2,710,300 Land $2,710,300 | $5,420,600 Land $5,420,600 |
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 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.
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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