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Single Family ResidenceResidential
$511,263$167 / 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 90How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Aug 30, 2026
Last sold for $200,000 on Apr 4, 2012

545 STATE ST

HARBOR SPRINGS, MI 49740
3
Beds
2.5
Baths
3,056 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.
0.24 ac
Lot SizeThe size of the land the home sits on, from county records.
1910
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.

Valuation

$511K
$458K low$564K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$200,000 · Apr 4, 2012

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$4,112 (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.$305,700 (2026)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$305,700
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$319,700
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$611,400

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.
7
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.Single Family Residence
CountyEMMET
Lot (acres)The size of the land the home sits on, from county records.0.24
HeatingThe type of heating system in the home.Forced Air With Air Conditioning
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.

M
Harbor Springs Middle SchoolA
Middle · Grades 5–8 · 0.2 mi
E
Shay Elementary School
Elementary · Grades KG–4 · 0.3 mi
H
Harbor Springs High SchoolB-
High · Grades 9–12 · 0.3 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

545 State 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 72% of homes in Emmet County
  • Costs less per square foot than 94% of homes in Harbor Springs 49740
  • Bigger than 91% of homes in Emmet County
  • Has a smaller lot than 85% of homes in Harbor Springs 49740
  • Older than 70% 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
$146K$2.2M

This home is worth more than 56% 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$511,263
CheaperTypical $461,165Pricier

Pricier than 56% of homes nearby

Price per ft²$167
CheaperTypical $360Pricier

Pricier than 6% of homes nearby

Living area3,056 ft²
SmallerTypical 1,568 ft²Bigger

Bigger than 86% of homes nearby

Lot size0.24 ac
SmallerTypical 1 acBigger

Bigger than 15% of homes nearby

Year built1910
OlderTypical 1940Newer

Newer than 33% of homes nearby

How 545 State St ranks against every home in each area.
MeasureThis homeHarbor Springs 49740Emmet County
Estimated valuepricier than$511,26356% of homes72% of homes
Price per ft²pricier than$1676% of homes18% of homes
Living areabigger than3,056 ft²86% of homes91% of homes
Lot sizebigger than0.24 ac15% of homes19% of homes
Year builtnewer than191033% of homes30% of homes

About 545 State St

How much is 545 State St, Harbor Springs, MI worth?

The TopHap Estimate for 545 State St, Harbor Springs, MI is $511,263 as of Aug 30, 2026. The likely range is $458,266 to $564,260. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 545 State St, Harbor Springs, MI last sell?

545 State St, Harbor Springs, MI last sold on Apr 4, 2012 for $200,000, according to the county's recorded deed. TopHap holds 2 recorded sales for this parcel.

How big is 545 State St, Harbor Springs, MI?

545 State St, Harbor Springs, MI has 3 bedrooms, 2.5 bathrooms, 3,056 square feet of living space and a 0.24-acre lot.

When was 545 State St, Harbor Springs, MI built?

545 State St, Harbor Springs, MI was built in 1910, making it 116 years old. The building has 2 stories.

What schools serve 545 State St, Harbor Springs, MI?

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

How does 545 State St, Harbor Springs, MI compare to other homes in Harbor Springs 49740?

Among the 6,839 homes in Harbor Springs 49740, it is worth more than 56% of them ($511,263 against a typical $461,165), its price per square foot is higher than 6% of them ($167 against a typical $360), it is bigger than 86% of them (3,056 ft² against a typical 1,568 ft²), its lot is bigger than 15% of them (0.24 ac against a typical 1 ac) and it is newer than 33% of them (1910 against a typical 1940). Measured against all of Emmet County, it is worth more than 72% 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 545 State St, Harbor Springs, MI?

The 2024 property tax bill for 545 State St, Harbor Springs, MI was $4,112. The county assessed it at $305,700.

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