540 W Summit St Harbor Springs, MI 49740
Estimated payment $5,647/month
Highlights
- Radiant Floor
- Mud Room
- Home Gym
- Sun or Florida Room
- No HOA
- Lower Floor Utility Room
About This Lot
Beautiful 4 bedroom home located on a large corner lot, within walking distance to downtown Harbor Springs shops, restaurants and beaches! Set in a very quiet neighborhood, this is the perfect place to call home. This well-maintained property has had extensive updates to the house & yard including new front and back porch/patios and a new retaining wall. A new furnace & hot water tank were installed in 2023. The garage has been insulated and heat installed as well as a whole house generator hookup. The interior of the home is very comfortable. Sit an enjoy a glass of wine in front of the wood burning fireplace. The primary suite includes a huge walkin closet and custom bathroom with infloor heat. This home is perfect for a year-round residence or summer getaway. Schedule a tour today! Home includes a custom kitchen and custom tiled bathrooms. There is a large bonus room downstairs to watch a movie or play games.
Listing Agent
Coldwell Banker Fairbairn Realty Brokerage Phone: 231.548.9336 License #6501384571 Listed on: 07/10/2025
Property Details
Property Type
- Land
Est. Annual Taxes
- $8,192
Lot Details
- 0.36 Acre Lot
- Landscaped
Home Design
- Frame Construction
- Vinyl Construction Material
Interior Spaces
- 2,652 Sq Ft Home
- 2-Story Property
- Ceiling Fan
- Fireplace
- Blinds
- Rods
- Mud Room
- Family Room Downstairs
- Living Room
- Dining Room
- Sun or Florida Room
- Lower Floor Utility Room
- Home Gym
Kitchen
- Oven or Range
- Microwave
- Dishwasher
Flooring
- Wood
- Radiant Floor
Bedrooms and Bathrooms
- 4 Bedrooms
- Walk-In Closet
Laundry
- Laundry on lower level
- Dryer
- Washer
Finished Basement
- Basement Fills Entire Space Under The House
- Basement Window Egress
Parking
- 2.5 Car Attached Garage
- Heated Garage
- Garage Door Opener
- Driveway
Schools
- Harbor Springs Elementary School
- Harbor Springs High School
Utilities
- Forced Air Heating System
- Municipal Utilities District Water
- Septic Tank
- Septic System
- Cable TV Available
Listing and Financial Details
- Assessor Parcel Number 51-15-14-200-042
- Tax Block 14
Community Details
Overview
- No Home Owners Association
- T35n, R5w Subdivision
Recreation
- Patio
Map
Home Values in the Area
Average Home Value in this Area
Tax History
| Year | Tax Paid | Tax Assessment Tax Assessment Total Assessment is a certain percentage of the fair market value that is determined by local assessors to be the total taxable value of land and additions on the property. | Land | Improvement |
|---|---|---|---|---|
| 2025 | $8,192 | $375,000 | $375,000 | $0 |
| 2024 | $8,192 | $345,700 | $345,700 | $0 |
| 2023 | $2,656 | $262,900 | $262,900 | $0 |
| 2022 | $2,656 | $216,300 | $216,300 | $0 |
| 2021 | $2,561 | $198,700 | $198,700 | $0 |
| 2020 | $2,533 | $176,000 | $176,000 | $0 |
| 2019 | $3,415 | $128,300 | $128,300 | $0 |
| 2018 | -- | $94,700 | $94,700 | $0 |
| 2017 | -- | $93,100 | $93,100 | $0 |
| 2016 | -- | $93,500 | $93,500 | $0 |
| 2015 | -- | $92,000 | $0 | $0 |
| 2014 | $2,077 | $84,400 | $0 | $0 |
Property History
| Date | Event | Price | Change | Sq Ft Price |
|---|---|---|---|---|
| 07/10/2025 07/10/25 | For Sale | $897,000 | +21.2% | $338 / Sq Ft |
| 09/26/2022 09/26/22 | Sold | $739,900 | -1.3% | $296 / Sq Ft |
| 08/26/2022 08/26/22 | For Sale | $749,900 | -- | $300 / Sq Ft |
Purchase History
| Date | Type | Sale Price | Title Company |
|---|---|---|---|
| Warranty Deed | $739,900 | Talon Title Agency | |
| Quit Claim Deed | -- | None Available | |
| Warranty Deed | -- | -- | |
| Warranty Deed | $240,000 | -- | |
| Warranty Deed | -- | -- | |
| Warranty Deed | $75,000 | -- |
Mortgage History
| Date | Status | Loan Amount | Loan Type |
|---|---|---|---|
| Open | $554,925 | New Conventional | |
| Previous Owner | $1,200,000 | No Value Available | |
| Previous Owner | $223,000 | New Conventional | |
| Previous Owner | $136,000 | New Conventional | |
| Previous Owner | $30,000 | New Conventional | |
| Previous Owner | $51,000 | Unknown | |
| Previous Owner | $15,000 | Credit Line Revolving | |
| Previous Owner | $165,000 | New Conventional | |
| Previous Owner | $152,192 | FHA |
Source: Water Wonderland Board of REALTORS®
MLS Number: 201835796
APN: 51-15-14-200-042
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