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Single Family ResidenceResidential
$947,923$344 / 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 89How 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

644 ANN ST

HARBOR SPRINGS, MI 49740
2.5
Baths
2,756 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.
0.28 ac
Lot SizeThe size of the land the home sits on, from county records.
1991
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.

Valuation

$948K
$846K low$1.1M high

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$5,634 (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.$471,200 (2026)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$471,200
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$486,900
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$942,400

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.26
17
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
4
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.
Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.14 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.6%

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.0.28
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(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%

Owner Tools

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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

644 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.

  • Worth more than 91% of homes in Emmet County
  • Costs more per square foot than 68% of homes in Emmet County
  • Bigger than 88% of homes in Emmet County
  • Has a smaller lot than 82% of homes in Harbor Springs 49740
  • Newer than 87% 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
$146K$2.2M

This home is worth more than 85% 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$947,923
CheaperTypical $461,165Pricier

Pricier than 85% of homes nearby

Price per ft²$344
CheaperTypical $360Pricier

Pricier than 45% of homes nearby

Living area2,756 ft²
SmallerTypical 1,568 ft²Bigger

Bigger than 82% of homes nearby

Lot size0.28 ac
SmallerTypical 1 acBigger

Bigger than 18% of homes nearby

Year built1991
OlderTypical 1940Newer

Newer than 87% of homes nearby

How 644 Ann St ranks against every home in each area.
MeasureThis homeHarbor Springs 49740Emmet County
Estimated valuepricier than$947,92385% of homes91% of homes
Price per ft²pricier than$34445% of homes68% of homes
Living areabigger than2,756 ft²82% of homes88% of homes
Lot sizebigger than0.28 ac18% of homes21% of homes
Year builtnewer than199187% of homes85% of homes

About 644 Ann St

How much is 644 Ann St, Harbor Springs, MI worth?

The TopHap Estimate for 644 Ann St, Harbor Springs, MI is $947,923 as of Aug 30, 2026. The likely range is $845,690 to $1,050,156. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 644 Ann St, Harbor Springs, MI last sell?

644 Ann St, Harbor Springs, MI last sold on Jan 1, 1994, according to the county's recorded deed.

How big is 644 Ann St, Harbor Springs, MI?

644 Ann St, Harbor Springs, MI has 2.5 bathrooms, 2,756 square feet of living space and a 0.28-acre lot.

When was 644 Ann St, Harbor Springs, MI built?

644 Ann St, Harbor Springs, MI was built in 1991, making it 35 years old. The building has 2 stories.

What schools serve 644 Ann St, Harbor Springs, MI?

644 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 644 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 85% of them ($947,923 against a typical $461,165), its price per square foot is higher than 45% of them ($344 against a typical $360), it is bigger than 82% of them (2,756 ft² against a typical 1,568 ft²), its lot is bigger than 18% of them (0.28 ac against a typical 1 ac) and it is newer than 87% of them (1991 against a typical 1940). Measured against all of Emmet County, it is worth more than 91% 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 644 Ann St, Harbor Springs, MI?

The 2024 property tax bill for 644 Ann St, Harbor Springs, MI was $5,634. The county assessed it at $471,200.

More homes on Ann St

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