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Residential - Vacant LandResidential
Last sold for $500,000 on Sep 21, 2026

433 COTTAGE LN

HARBOR SPRINGS, MI 49740
0
Baths
0.15 ac
Lot SizeThe size of the land the home sits on, from county records.

Valuation

Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$500,000 · Sep 21, 2026

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$3,541 (2024)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$147,500 (2026)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$147,500
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$147,500
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$295,000

Climate Risk

Overall riskThe average of the five hazard scores below, on a 0 to 100 scale. Higher means greater projected risk over the coming decades.23
1
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
5
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
39
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
62
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
12
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Residential - Vacant Land
StyleThe architectural style of the home, such as ranch or colonial.Condo/Apartment
CountyEMMET
Lot (acres)The size of the land the home sits on, from county records.0.15
PoolWhether the property has a pool, and what kind, such as in-ground.No

Transaction History(2)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

H
Harbor Springs High SchoolC+
High · Grades 9–12 · 0.4 mi
M
Harbor Springs Middle SchoolA-
Middle · Grades 5–8 · 0.5 mi
E
Shay Elementary SchoolB-
Elementary · Grades KG–4 · 0.6 mi

District: Harbor Springs School District

Neighborhood · ZIP 49740These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.111
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.80
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.7

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.58%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.27%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.7.7%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.6%
PopulationHow many people live in this area.7,662
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.53 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$80,280
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$103,653
Average tempThe average temperature here across a full year.44°F
Annual precipHow much rain and melted snow falls here in a typical year.31 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.49%

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Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

433 Cottage Ln measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Has a smaller lot than 83% of homes in Emmet County

How it measures up in Harbor Springs 49740

The dot is this home. The mark in the middle is the typical home in Harbor Springs 49740.

Lot size0.15 ac
SmallerTypical 0.88 acBigger

Bigger than 18% of homes nearby

How 433 Cottage Ln ranks against every home in each area.
MeasureThis homeHarbor Springs 49740Emmet County
Lot sizebigger than0.15 ac18% of homes17% of homes

About 433 Cottage Ln

When did 433 Cottage Ln, Harbor Springs, MI last sell?

433 Cottage Ln, Harbor Springs, MI last sold on Sep 21, 2026 for $500,000, according to the county's recorded deed. TopHap holds 2 recorded sales for this parcel.

What schools serve 433 Cottage Ln, Harbor Springs, MI?

433 Cottage Ln, Harbor Springs, MI is assigned to Harbor Springs High School (high), rated C+; Harbor Springs Middle School (middle), rated A-; Shay Elementary School (elementary), rated B-. All sit in Harbor Springs School District. Attendance boundaries change — confirm with the district before relying on an assignment.

What are the property taxes on 433 Cottage Ln, Harbor Springs, MI?

The 2024 property tax bill for 433 Cottage Ln, Harbor Springs, MI was $3,541. The county assessed it at $147,500.

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