1625 Harding Dr, Big Rapids, MI 49307 Property Records

Mecosta County property record for 1625 Harding Dr, Big Rapids, MI 49307

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,932 sqft · built 1970
Lot Size	4.32 acres (188,615 sqft)
Owner	Individual Name on Record
Last Sale	$148,400 (Sep 2019)
Deeds & Mortgages	Apr 2023 Line of Credit Sep 2019 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`17-02-400-003`

Property Details

APN / Parcel Number

Primary APN	`17-02-400-003`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Building Area	1,932 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1970
Effective Year Built	Effective 1994
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Foundation Type	Slab (Mat/Raft)
Lot Area	188,615 sqft (4.32 acres)
Garage Type	Mixed
Garage Area	2,592 sqft
Parking Spaces	8 Parking Spaces
Porch	Porch
Porch Area	48 sqft

Utilities, Heating & Cooling

Heating System	Forced Air

Location & Zoning

Street Address	1625 HARDING DR
City	BIG RAPIDS
State	MI
Zip	49307-9314
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	001625 HARDING DRIVE: SEC 2, T15N, R10W -- COM N 1331.74 FT ALG THE N/S 1/4 LI & E 374.39 FT ALG THE S 1/16 LI FR THE S 1/4 C
Jurisdiction	MECOSTA MI
Township / Civil Division	BIG RAPIDS
Census Block Group	1
Census Block	1009
Census Tract	960500

Owner

Source: Mecosta County records, as of July 19, 2023

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

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	1625 HARDING DR, BIG RAPIDS, MI 49307-9314
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 26, 2023	Deed of Trust, Mortgage · Line of Credit JACKSON FLAGSTAR CENTRE OFFICE
Sep 12, 2019	Warranty Deed, Transfer · Conventional Mortgage NEW EXECUTIVE MORTGAGE LLC
Aug 24, 2017	Deed of Trust, Mortgage · ARM MERCANTILE BANK OF MICHIGAN

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 12, 2019 · Amount on Record
Deed Sale	Sep 12, 2019 · Amount on Record
Deed Document Number	201900006502
Deed Book / Page	899 / 3180
Record Updated	Jun 7, 2026

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MECOSTA MI
Property Address	1625 HARDING DR, BIG RAPIDS, MI 49307-9314
Transaction Type	Mortgage
Record Updated	May 19, 2023
Title Company	BOSTON NATIONAL TITLE AGENCY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1625 HARDING DR, BIG RAPIDS, MI 49307-9314

Mortgage

Document Number	00923/4974
Date	Apr 26, 2023
Book Page	923/4974
Instrument	202300002704

Lender

Name	JACKSON FLAGSTAR CENTRE OFFICE
Type	Bank
Address	TROY, MI 48098

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MECOSTA MI
Recording Date	Sep 12, 2019
Property Address	1625 HARDING DR, BIG RAPIDS, MI 49307-9314
Document Number	899/3180
Book / Page	899 / 3180
Instrument Date	Sep 6, 2019
Instrument	201900006502
Transaction Type	Transfer
Record Updated	Jul 5, 2021
Title Company	CADILLAC TITLE LLC, CADILLAC TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,277.10
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1900 S SCHNEIDER ST, 1900, LAKE CITY, MI 49651-9096

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1625 HARDING DR, BIG RAPIDS, MI 49307-9314

Mortgage

Document Number	201900006503
Date	Sep 12, 2019
Instrument	201900006503

Lender

Name	NEW EXECUTIVE MORTGAGE LLC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2049

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MECOSTA MI
Property Address	1625 HARDING DR, BIG RAPIDS, MI 49307-9314
Transaction Type	Mortgage
Record Updated	Sep 13, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	, 201700006454
Date	Aug 24, 2017
Book Page	878/1972
Instrument	201700006454

Lender

Name	MERCANTILE BANK OF MICHIGAN
Type	Bank
Address	Grand Rapids, MI 49504

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	3.62%
Adjustable	Adjustable Rate Rider
Type Change Date	Sep 1, 2024
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	8.62%
Index	1-Year LIBOR
Max Rate	8.62%

Tax Assessment & Valuation

Source: Mecosta County assessment roll, as of March 1, 2023

Property Jurisdictions

Type	Name
State	Michigan
Municipality	Big Rapids City
County	Mecosta County
Unified School District	Big Rapids Public Schools (KG - 12)

Tax Bill & Assessment History

Year	Assessed Value	Assessed Market Value
2023	$104,100	$208,200

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 February 3, 2015 · 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	1 in force

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 80% of the US · above 51% of Michigan
Wildfire Likelihood	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.

Internet Providers

Source: FCC Broadband Data Collection, based on 70 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Point Broadband Fiber · Fixed Wireless	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile.

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