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Single Family ResidenceResidential
$654,447$399 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 91How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Oct 21, 2026
Last sold for $660,000 on Jul 7, 2026

540 W SUMMIT ST

HARBOR SPRINGS, MI 49740
3
Beds
1.5
Baths
1,640 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
0.48 ac
Lot SizeThe size of the land the home sits on, from county records.
1975
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.

Valuation

$654K
$594K low$715K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$660,000 · Jul 7, 2026

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$8,192 (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.$335,700 (2026)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$335,700
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$375,000
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$671,400

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.24
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.
63
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.Single Family Residence
CountyEMMET
Lot (acres)The size of the land the home sits on, from county records.0.48
HeatingThe type of heating system in the home.Forced Air With Air Conditioning
FireplaceWhether the home has a fireplace, and what kind.Yes
PoolWhether the property has a pool, and what kind, such as in-ground.No

Transaction History(4)

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.

M
Harbor Springs Middle SchoolA-
Middle · Grades 5–8 · 0.6 mi
E
Shay Elementary SchoolB-
Elementary · Grades KG–4 · 0.6 mi
H
Harbor Springs High SchoolC+
High · Grades 9–12 · 0.7 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

540 W Summit St 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.

  • Worth more than 79% of homes in Emmet County
  • Costs more per square foot than 80% of homes in Emmet County
  • Older than 67% of homes in Emmet County

What homes are worth in Harbor Springs 49740

Each bar is how many homes fall in that price range. The marker is this home.

This home
$165K$3.9M

This home is worth more than 66% of homes in Harbor Springs 49740.

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.

Estimated value$654,447
CheaperTypical $507,208Pricier

Pricier than 66% of homes nearby

Price per ft²$399
CheaperTypical $303Pricier

Pricier than 72% of homes nearby

Living area1,640 ft²
SmallerTypical 1,778 ft²Bigger

Bigger than 44% of homes nearby

Lot size0.48 ac
SmallerTypical 0.79 acBigger

Bigger than 39% of homes nearby

Year built1975
OlderTypical 1987Newer

Newer than 34% of homes nearby

How 540 W Summit St ranks against every home in each area.
MeasureThis homeHarbor Springs 49740Emmet County
Estimated valuepricier than$654,44766% of homes79% of homes
Price per ft²pricier than$39972% of homes80% of homes
Living areabigger than1,640 ft²44% of homes54% of homes
Lot sizebigger than0.48 ac39% of homes41% of homes
Year builtnewer than197534% of homes33% of homes

About 540 W Summit St

How much is 540 W Summit St, Harbor Springs, MI worth?

The TopHap Estimate for 540 W Summit St, Harbor Springs, MI is $654,447 as of Oct 21, 2026. The likely range is $593,639 to $715,255. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 540 W Summit St, Harbor Springs, MI last sell?

540 W Summit St, Harbor Springs, MI last sold on Jul 7, 2026 for $660,000, according to the county's recorded deed. TopHap holds 2 recorded sales for this parcel.

How big is 540 W Summit St, Harbor Springs, MI?

540 W Summit St, Harbor Springs, MI has 3 bedrooms, 1.5 bathrooms, 1,640 square feet of living space and a 0.48-acre lot.

When was 540 W Summit St, Harbor Springs, MI built?

540 W Summit St, Harbor Springs, MI was built in 1975, making it 51 years old. The building has 2 stories.

What schools serve 540 W Summit St, Harbor Springs, MI?

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

How does 540 W Summit St, Harbor Springs, MI compare to other homes in Harbor Springs 49740?

Among the 6,841 homes in Harbor Springs 49740, it is worth more than 66% of them ($654,447 against a typical $507,208), its price per square foot is higher than 72% of them ($399 against a typical $303), it is bigger than 44% of them (1,640 ft² against a typical 1,778 ft²), its lot is bigger than 39% of them (0.48 ac against a typical 0.79 ac) and it is newer than 34% of them (1975 against a typical 1987). Measured against all of Emmet County, it is worth more than 79% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 540 W Summit St, Harbor Springs, MI?

The 2024 property tax bill for 540 W Summit St, Harbor Springs, MI was $8,192. The county assessed it at $335,700.

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Assigned schools

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