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CondominiumResidential
$408,986$434 / 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 82How 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

638 ANN ST

HARBOR SPRINGS, MI 49740
1
Baths
942 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.
1981
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.

Valuation

$409K
$334K low$484K high

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$2,757 (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.$148,000 (2026)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$148,000
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$130,400
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$296,000

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.24
1
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
9
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.Condominium
StyleThe architectural style of the home, such as ranch or colonial.Condo/Apartment
CountyEMMET
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 · 0.3 mi
E
Shay Elementary School
Elementary · Grades KG–4 · 0.4 mi
H
Harbor Springs High SchoolB-
High · Grades 9–12 · 0.5 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

638 Ann 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.

  • Costs more per square foot than 81% of homes in Emmet County
  • Smaller than 89% of homes in Harbor Springs 49740
  • Newer than 80% of homes in Harbor Springs 49740

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
$151K$2.2M

This home is worth more than 41% 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$408,986
CheaperTypical $463,497Pricier

Pricier than 41% of homes nearby

Price per ft²$434
CheaperTypical $362Pricier

Pricier than 66% of homes nearby

Living area942 ft²
SmallerTypical 1,566 ft²Bigger

Bigger than 11% of homes nearby

Year built1981
OlderTypical 1940Newer

Newer than 80% of homes nearby

How 638 Ann St ranks against every home in each area.
MeasureThis homeHarbor Springs 49740Emmet County
Estimated valuepricier than$408,98641% of homes60% of homes
Price per ft²pricier than$43466% of homes81% of homes
Living areabigger than942 ft²11% of homes12% of homes
Year builtnewer than198180% of homes75% of homes

About 638 Ann St

How much is 638 Ann St, Harbor Springs, MI worth?

The TopHap Estimate for 638 Ann St, Harbor Springs, MI is $408,986 as of Aug 30, 2026. The likely range is $334,418 to $483,554. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 638 Ann St, Harbor Springs, MI last sell?

638 Ann St, Harbor Springs, MI last sold on Sep 12, 2025, according to the county's recorded deed.

How big is 638 Ann St, Harbor Springs, MI?

638 Ann St, Harbor Springs, MI has 1 bathrooms and 942 square feet of living space.

When was 638 Ann St, Harbor Springs, MI built?

638 Ann St, Harbor Springs, MI was built in 1981, making it 45 years old. It is a condo/apartment home. The building has 1 story.

What schools serve 638 Ann St, Harbor Springs, MI?

638 Ann 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 638 Ann 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 41% of them ($408,986 against a typical $463,497), its price per square foot is higher than 66% of them ($434 against a typical $362), it is bigger than 11% of them (942 ft² against a typical 1,566 ft²) and it is newer than 80% of them (1981 against a typical 1940). Measured against all of Emmet County, it is worth more than 60% 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 638 Ann St, Harbor Springs, MI?

The 2024 property tax bill for 638 Ann St, Harbor Springs, MI was $2,757. The county assessed it at $148,000.

More homes on Ann St

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More homes in Harbor Springs 49740

Assigned schools

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