1244 Harbor Cut, Okemos, MI 48864 Property Records

Ingham County property record for 1244 Harbor Cut, Okemos, MI 48864

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,489 sqft · built 1988
Lot Size	0.363 acres (15,812 sqft)
Owner	2 Individual Names on Record
Last Sale	$418,000 (Jul 2021)
Tax Bill	$9,430 (2025)
Deeds & Mortgages	Jul 2021 Sale & Mortgage Mar 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`33-02-02-26-401-005`

Property Details

APN / Parcel Number

Primary APN	`33-02-02-26-401-005`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,489 sqft Living Area
1st Floor Area	1,179 sqft
Basement Area	1,179 sqft
Finished Basement	1,179 sqft
Flooring	Vinyl Sheet/Linoleum
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1988
Exterior Material	Wood Siding
Construction Type	Frame
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Asphalt
Lot Area	15,812 sqft (0.363 acres)
Lot Dimensions	159 ft deep x 99 ft wide
Garage Area	528 sqft

Exterior Amenities

Porch	Slab
Porch Area	323 sqft
Patio Area	540 sqft
Balcony Area	432 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Municipal

Location & Zoning

Street Address	1244 HARBOR CUT
City	OKEMOS
State	MI
Zip	48864-3408
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RAA
Legal Description	LOT 221 SHOALS SUB #3
Legal Subdivision	SHOALS 03
Legal Lot Number	221
Legal Unit	221
Jurisdiction	INGHAM MI
Township / Civil Division	MERIDIAN
Census Block Group	1
Census Block	1000
Census Tract	5002

Owner

Source: Ingham County records, as of October 6, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	1244 HARBOR CUT, OKEMOS, MI 48864-3408
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 12, 2021	Warranty Deed, Transfer · Conventional Mortgage CHURCHILL MORTGAGE CORP
Mar 19, 2020	Deed of Trust, Mortgage · Conventional Mortgage HOMESIDE FINANCIAL LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 12, 2021 · Amount on Record
Deed Sale	Jul 12, 2021 · Amount on Record
Prior Sale	May 7, 2014 · Amount on Record
Deed Document Number	202130813
Record Updated	Oct 29, 2026

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	INGHAM MI
Recording Date	Jul 12, 2021
Property Address	1244 HARBOR CUT, OKEMOS, MI 48864-3408
Document Number	0000030813
Map Reference	LB 42 PG 32-35
Instrument Date	Jul 6, 2021
Instrument	2021-030813
Transaction Type	Transfer
Record Updated	Aug 5, 2021
Title Company	TRI COUNTY ABSTRACT AGCY LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,594.80
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1244 HARBOR CUT, 1244, OKEMOS, MI 48864-3408

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	730 PINEGATE DR, FOWLERVILLE, MI 48836-8972
Investor	Possibly a Property Investor

Mortgage

Document Number	0000030814
Date	Jul 12, 2021
Instrument	2021-030814

Lender

Name	CHURCHILL MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2051

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	INGHAM MI
Property Address	1244 HARBOR CUT, OKEMOS, MI 48864-3408
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000009082
Date	Mar 19, 2020
Instrument	2020-009082

Lender

Name	HOMESIDE FINANCIAL LLC
Type	Mortgage Company
Address	COLUMBIA, MD 21044

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Apr 1, 2040

Tax Assessment & Valuation

Source: Ingham County assessment roll, as of October 6, 2026

Property Jurisdictions

Type	Name
State	Michigan
County	Ingham County
County Subdivision	Meridian Charter Township
Unified School District	Okemos Public Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$202,700 (+6.57%)	$405,400 (+6.57%)
2025	$9,430.00 (+47.55%) Homeowner's exemption	$190,200 (+13.28%) Land $38,900 Building $151,300	$380,400 (+13.28%) Land $77,800 Building $302,600
2023		$167,900 Land $34,700 Building $133,200	$335,800 Land $69,400 Building $266,400
2019	$6,391.00

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective July 2, 2023 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	7 in force
Nearby Flood Claims	1 (2018)
Most Recent Claim	Feb 2018 · river or lake flooding

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 98% of the US · lower than 95% of Michigan
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	MERIDIAN TOWNSHIP serves 25,600 people · EPA ID MI0004260
Water Source	Purchased groundwater from several systems
Last State Inspection	Jun 2024
Lead	Under 1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 283 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Metronet Fiber	5,120 / 5,120
Xfinity Cable	1,200 / 35
Mercury Fiber Fixed Wireless	150 / 20
AT&T DSL	100 / 20

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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