7955 Bluffside Dr, Harbor Springs, MI 49740 Property Records

Emmet County property record for 7955 Bluffside Dr, Harbor Springs, MI 49740

Property Summary

Property Type	Condominium
Details	3.5 ba · 3,900 sqft · built 2001
Lot Size	1.15 acres (50,100 sqft)
Owner	Individual Name on File
Tax Bill	$17,511 (2024)
Deeds & Mortgages	Jun 2026 Sale Aug 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`16-12-32-151-102`

Property Details

APN / Parcel Number

Primary APN	`16-12-32-151-102`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Building Area	3,900 sqft Living Area
1st Floor Area	2,283 sqft
Basement Area	2,283 sqft
Unfinished Basement	2,283 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Architectural Style	Condo/Apartment
Lot Area	50,100 sqft
Garage Area	938 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	7955 BLUFFSIDE DR
City	HARBOR SPRINGS
State	MI
Zip	49740-8921
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	WTT R-1-A
Legal Description	TERPENING FARM ESTATES CONDOMINIUM #101, UNIT 2. SECTION 32, T36N, R6W
Legal Range	06W
Legal Township	36N
Legal Section	32
Legal Subdivision	TERPENING FARM ESTATES
Legal Unit	2
Jurisdiction	EMMET MI
Township / Civil Division	WEST TRAVERSE
Census Block Group	2
Census Block	2044
Census Tract	970301

Owner

7955 Bluffside Dr, a condominium, is owned by an individual who acquired it in February 2026.

Source: Emmet County records, as of October 20, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	5924 SE GLEN EAGLE WAY, STUART, FL 34997-8630
Owner Type	Individual
Vesting	Individual(s)

Deeds, Mortgages & Sale History

Date	Document
Jun 5, 2026	Deed, Transfer
Aug 30, 2017	Warranty Deed, Transfer · ARM CHEMICAL BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 1, 1992
Deed Sale	Dec 1, 1992
Last Transfer Date	Feb 21, 2026
Transfer Doc	001275/518
Record Updated	Oct 29, 2026

June 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	EMMET MI
Recording Date	Jun 5, 2026
Property Address	7955 BLUFFSIDE DR, HARBOR SPRINGS, MI 49740-8921
Document Number	001275/518
Book / Page	1275 / 518
Instrument Date	Feb 21, 2026
Instrument	20265228567
Transaction Type	Transfer
Record Updated	Jun 22, 2026

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

August 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EMMET MI
Recording Date	Aug 30, 2017
Property Address	7955 BLUFFSIDE DR, HARBOR SPRINGS, MI 49740-8921
Document Number	1197/0418
Book / Page	1197 / 0418
Instrument Date	Aug 25, 2017
Instrument	5150293
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	7955 BLUFFSIDE DR, 7955, HARBOR SPRINGS, MI 49740-8921

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5924 SE GLEN EAGLE WAY, STUART, FL 34997-8630

Mortgage

Document Number	1197/0420
Date	Aug 30, 2017
Book Page	1197/0420
Instrument	5150295

Lender

Name	CHEMICAL BANK
Type	Bank
Address	WYOMING, MI 49519

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	3.5%
Adjustable	Adjustable Rate Rider
Type Change Date	Sep 1, 2027
Min Rate At Change	2.75%
Max Rate At Change	9.5%
Max Rate	9.5%

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Michigan
County	Emmet County
County Subdivision	West Traverse Township
Unified School District	Harbor Springs School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$868,900 (+4.27%) Land $868,900	$1,737,800 (+4.27%) Land $1,737,800
2025		$833,300 Land $833,300	$1,666,600 Land $1,666,600
2024	$17,511.00
2023		$572,200 Land $572,200	$1,144,400 Land $1,144,400

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 7955 Bluffside Dr in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2026.

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 13 policies
Nearby Flood Policies	13 in force
Nearby Flood Claims	1 (2026)
Most Recent Claim	Jun 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

Wildfire risk around 7955 Bluffside Dr is low, with a 0.01% annual chance of 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	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 34 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Truestream Fiber	1,000 / 1,000
Spectrum Cable	1,000 / 1,000
Starlink Satellite	280 / 30

Cell Coverage

4G LTE (outdoors only), no 5G reported

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All Harbor Springs, MI Property Records

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