Emmet County property record for 697 E Bluff Dr, Harbor Springs, MI 49740
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 4.5 ba · 5,192 sqft · built 1918 |
| Lot Size | 0.92 acres (40,075 sqft) |
| Owner | Company Name on Record |
| Last Sale | $885,000 (Oct 1998) |
| Tax Bill | $38,465 (2024) |
| Deeds & Mortgages | Mar 2024 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 51-15-13-203-086 |
| Primary APN | 51-15-13-203-086 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 4.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 5,192 sqft Living Area |
| 1st Floor Area | 3,367 sqft |
| Basement Area | 2,981 sqft |
| Unfinished Basement | 2,981 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1918 |
|---|---|
| Effective Year Built | Effective 1918 |
| Exterior Material | Wood Siding |
| Lot Area | 40,075 sqft (0.92 acres) |
| Lot Dimensions | 160 ft deep x 140 ft wide |
| Garage Area | 573 sqft |
| Heating System | HVAC |
|---|
| Street Address | 697 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 | PLAT OF J.C.GLENNS SURVEY, COM 125 FT S & S-79-E 202 FT FROM NW COR OF LOT 12, TH N-67-W 25 FT TO POB, N-67-W 8 FT, N 52 FT, TH S -67-E 82.4 FT, TH S-50-30-E 72 FT, TH S-34-E 186.5 FT, TH S-67-5- W 95.4 FT, TH N-87-W 156.5 FT, TH N 52 FT S-79-E 16.12 |
| Legal Range | 06W |
| Legal Township | 35N |
| Legal Section | 13 |
| Legal Subdivision | J C GLENNS |
| 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 | 4165 WESTPORT RD, 103, LOUISVILLE, KY 40207-2748 |
| Owner Type | Company |
| Vesting | Trust |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 16, 1998 · Amount on Record |
| Deed Sale | Oct 16, 1998 · Amount on Record |
| Prior Sale | Apr 1, 1997 |
| Last Transfer Date | Feb 9, 2024 |
| Transfer Doc | 001258/196 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | EMMET MI |
| Recording Date | Mar 4, 2024 |
| Property Address | 697 E BLUFF DR, HARBOR SPRINGS, MI 49740-1506 |
| Document Number | 001258/196 |
| Book / Page | 1258 / 196 |
| Instrument Date | Feb 9, 2024 |
| Instrument | 5211203 |
| Transaction Type | Transfer |
| Record Updated | Mar 21, 2024 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | 44 COCOANUT ROW, PALM BEACH, FL 33480-4069 |
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 | $3,134,900 (+1.28%) Land $3,134,900 | $6,269,800 (+1.28%) Land $6,269,800 | |
| 2025 | $3,095,300 (+39.01%) Land $3,095,300 | $6,190,600 (+39.01%) Land $6,190,600 | |
| 2024 | $38,465.00 | ||
| 2023 | $2,226,700 Land $2,226,700 | $4,453,400 Land $4,453,400 |
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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