Emmet County property record for 686 Pine St, Harbor Springs, MI 49740
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 1,376 sqft · built 1920 |
| Lot Size | 0.253 acres (11,021 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $300,000 (Sep 2014) |
| Tax Bill | $22,571 (2024) |
| Deeds & Mortgages | Jun 2019 Refinance |
| Flood Zone | Zone X (minimal risk) |
| APN | 51-15-13-203-088 |
| Primary APN | 51-15-13-203-088 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Half Baths | 2 Half Baths |
| Stories | 1 Story |
| Building Area | 1,376 sqft Living Area |
| 1st Floor Area | 1,376 sqft |
| Basement Area | 688 sqft |
| Unfinished Basement | 688 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1920 |
|---|---|
| Effective Year Built | Effective 1920 |
| Exterior Material | Stucco |
| Lot Area | 11,021 sqft (0.253 acres) |
| Lot Dimensions | 153 ft deep x 72 ft wide |
| Garage Area | 552 sqft |
| Heating System | Forced Air with A/C |
|---|
| Street Address | 686 PINE ST |
|---|---|
| City | HARBOR SPRINGS |
| State | MI |
| Zip | 49740-1316 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | COHS R-1-B |
| Legal Description | J.C. GLENN'S PLAT, L.A OF PLATS P86-7, PT OF LOT 12, COM AT NE COR OF SEC, TH S 684.37 FT, W 172 FT ALG S LN PINE ST, S 122 FT TO POB, TH S 181.89 FT, TH N72?3'E 73.04 FT, TH N'LY 133.3 FT M/L TO PT 70 FT E OF POB, TH W 70 FT TO POB. NOTE SUBJ TO UTI |
| Legal Range | 06W |
| Legal Township | 35N |
| Legal Section | 13 |
| 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 | Individual Name on Record |
|---|---|
| Mailing Address | 3263 SOMERSET ST SW, ROANOKE, VA 24014-3135 |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 2, 2014 · Amount on Record |
| Deed Sale | Sep 2, 2014 · Amount on Record |
| Prior Sale | Aug 1, 1995 · Amount on Record |
| Deed Document Number | 20145122220 |
| Deed Book / Page | 1169 / 453 |
| Prior Transfer Date | Jun 26, 2014 |
| Prior Transfer Doc | 1169/453 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | EMMET MI |
| Property Address | 686 PINE ST, HARBOR SPRINGS, MI 49740-1316 |
| Transaction Type | Mortgage |
| Record Updated | Jul 10, 2019 |
| Name | Verified Name |
|---|
| Document Number | 1213/97 |
|---|---|
| Date | Jun 25, 2019 |
| Book Page | 1213/97 |
| Instrument | 5166017 |
| Name | BANK OF AMERICA NA |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 1, 2049 |
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 | $832,800 (+14.68%) Land $832,800 | $1,665,600 (+14.68%) Land $1,665,600 | |
| 2025 | $726,200 (+24.88%) Land $726,200 | $1,452,400 (+24.88%) Land $1,452,400 | |
| 2024 | $22,571.00 | ||
| 2023 | $581,500 Land $581,500 | $1,163,000 Land $1,163,000 |
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 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.
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 99 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 |
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