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      <image:title>Home - Harbor Area Residential Trust (through Northern Homes) is a non-profit conservancy for homes. We are stewards of high-quality, perpetually affordable homes.</image:title>
      <image:caption>HART was started by a group of local people who researched housing solutions being used successfully in other resort towns. Our mission is to preserve the beauty of our area and strengthen it by helping more local residents put down roots through home ownership. HART acts as the Harbor Springs arm of Northern Homes Community Development Corporation. Northern Homes has a proven history of developing and managing homes in a 6-county area, strong financial resources and deep experience. HART is focused on the area that is roughly the Harbor Springs School District geographic boundaries (about 140 sq mi).</image:caption>
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    <lastmod>2026-03-02</lastmod>
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    <lastmod>2022-07-25</lastmod>
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      <image:title>Home (Copy) - Harbor Area Residential Trust (HART) is a private non-profit conservancy that holds land on behalf of the community.</image:title>
      <image:caption>This is a non-profit started by a group of local volunteers who researched housing solutions used successfully in other resort towns. HART is being set up as the local arm of Northern Homes Community Development Corporation, an existing Community Land Trust. Northern Homes has a proven history of developing and managing homes in a 6-county area, strong financial resources and deep experience. HART intends to serve the area that is roughly the Harbor Springs School District (about 140 sq mi).</image:caption>
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