# 540 W Summit, Harbor Springs, MI 49740

> **TL;DR:** 4bd/4ba single family, $699,000 ($264/sqft), built 1975, 2,650 sqft.
> Fireplace, Basement. Est. $3,029/mo.

## Property at a Glance

| Attribute | Value |
|-----------|-------|
| Price | $699,000 |
| Price/sqft | $264 |
| Bedrooms | 4 |
| Bathrooms | 3 full, 1 half |
| Square Feet | 2,650 |
| Year Built | 1975 |
| Lot Size | 15,682 sqft (0.36 acres) |
| Stories | 2 |
| Property Type | Single Family (Single Family Residence) |
| Status | For Sale |
| Days on Market | 0 |

## Estimated Monthly Costs

| Category | Amount |
|----------|--------|
| Mortgage (20% down, 6.5%) | $3,029 |
| **Total** | **$3,029** |

## Key Amenities

- Fireplace
- Basement

## Property Highlights

- Built in 1975
- 0.36 acre lot
- 2 stories
- 2 parking spaces
- Fireplace

## Description

### Agent Description
Few locations in Harbor Springs offer this kind of everyday convenience — walk or bike to downtown shops, restaurants, and the waterfront right from your door. Situated on a large corner lot, this well-cared-for home works equally well as a year-round residence or a northern Michigan retreat.     The main level is bright and welcoming, with natural light pouring through a large picture window in the living room, where a fireplace anchors the space for cool northern Michigan evenings. A separate den offers room to work from home, read, or host guests without disrupting the flow of the living areas.     Upstairs, the primary bedroom suite features a beautiful bath with a large tiled shower, a walk-in closet, and new carpet -- plus two additional bedrooms and another full bathroom.     The finished lower level adds meaningful square footage with a family room, two flexible rooms that adapt easily to a 4th bedroom, home office, gym, or hobby space, and a full bath. A two-car garage and a heating system replaced just two years ago round out a move-in-ready package.     Outside, the corner lot provides generous yard space and a sense of openness that's hard to find this close to downtown Harbor Springs. Schedule your showing today.

## Location

- **Address:** 540 W Summit, Harbor Springs, MI 49740
- **County:** Emmet

## Listing Agent

- **Name:** Trish Hartwick
- **Brokerage:** Coldwell Banker Schmidt - Petoskey
- **Phone:** 2318380411
- **Email:** trish@trishhartwick.com

## Primary Photo

![540 W Summit - Primary Photo](http://lh.rdcpix.com/3d1fa66713639d46f86d712b7762c174l-f2567607321r.jpg)

*49 total photos available on [listing page](https://www.propertysimple.com/listing/540-w-summit-harbor-springs-mi-49740-s479054)*

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**MLS#:** 479054 | **Updated:** 2026-06-17
**Source:** listhub

*Copyright © 2026 Northern Michigan MLS. All rights reserved. All information provided by the listing agent/broker is deemed reliable but is not guaranteed and should be independently verified.*

[View on PropertySimple](https://www.propertysimple.com/listing/540-w-summit-harbor-springs-mi-49740-s479054)

---

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