1275 Harbor Cut, Okemos, MI 48864 Property Records

Ingham County property record for 1275 Harbor Cut, Okemos, MI 48864

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,076 sqft · built 1979
Lot Size	0.392 acres (17,076 sqft)
Owner	2 Individual Names on Record
Tax Bill	$7,381 (2025)
Deeds & Mortgages	Oct 2021 Line of Credit Feb 2019 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`33-02-02-26-327-053`

Property Details

APN / Parcel Number

Primary APN	`33-02-02-26-327-053`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,076 sqft Living Area
1st Floor Area	2,076 sqft
Basement Area	2,076 sqft
Unfinished Basement	2,076 sqft
Flooring	Vinyl Sheet/Linoleum
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1979
Effective Year Built	Effective 1979
Exterior Material	Wood Siding
Construction Type	Frame
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Asphalt
Lot Area	17,076 sqft (0.392 acres)
Lot Dimensions	165 ft deep x 90 ft wide
Garage Area	594 sqft

Exterior Amenities

Porch	Slab
Porch Area	310 sqft
Deck Area	90 sqft
Patio Area	90 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	1275 HARBOR CUT
City	OKEMOS
State	MI
Zip	48864-5400
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RAA
Legal Description	LOT 58 THE SHOALS
Legal Subdivision	SHOALS
Legal Lot Number	58
Legal Unit	58
Jurisdiction	INGHAM MI
Township / Civil Division	MERIDIAN
Census Block Group	1
Census Block	1003
Census Tract	5002

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	1275 HARBOR CUT, OKEMOS, MI 48864-5400
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 19, 2021	Deed of Trust, Mortgage · Line of Credit FIFTH THIRD BANK NA
Feb 8, 2019	Deed of Trust, Mortgage · Line of Credit FIFTH THIRD BANK
Jun 7, 2017	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	May 22, 2017
Transfer Doc	0000021820
Record Updated	Oct 29, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	INGHAM MI
Property Address	1275 HARBOR CUT, OKEMOS, MI 48864-5400
Transaction Type	Mortgage
Record Updated	Nov 10, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1275 HARBOR CUT, OKEMOS, MI 48864-5400

Mortgage

Document Number	0000044497
Date	Oct 19, 2021
Instrument	2021-044497

Lender

Name	FIFTH THIRD BANK NA
Type	Bank
Address	GRAND RAPIDS, MI 49546

Agreement

Type	Line of Credit
Amount	Amount Recorded

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	INGHAM MI
Property Address	1275 HARBOR CUT, OKEMOS, MI 48864-5400
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000003937
Date	Feb 8, 2019
Instrument	2019-003937

Lender

Name	FIFTH THIRD BANK
Type	Bank
Address	GRAND RAPIDS, MI 49546

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	INGHAM MI
Recording Date	Jun 7, 2017
Property Address	1275 HARBOR CUT, OKEMOS, MI 48864-5400
Document Number	0000021820
Instrument Date	May 22, 2017
Instrument	21820
Transaction Type	Transfer
Record Updated	Jun 27, 2017
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Life Estate
Address	1275 HARBOR CUT OKEMOS MI 488645400, OKEMOS, MI 48864-5400

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		$199,000 (+6.87%)	$398,000 (+6.87%)
2025	$7,381.00 (+23.88%) Homeowner's exemption	$186,200 (+12.03%) Land $41,500 Building $144,700	$372,400 (+12.03%) Land $83,000 Building $289,400
2023		$166,200 Land $37,100 Building $129,100	$332,400 Land $74,200 Building $258,200
2019	$5,958.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

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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