23090 Harding St, Oak Park, MI 48237 Property Records

Oakland County property record for 23090 Harding St, Oak Park, MI 48237

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,221 sqft · built 1954
Lot Size	0.138 acres (6,011 sqft)
Owner	2 Individual Names on File
Last Sale	$110,000 (Apr 1998)
Tax Bill	$2,190 (2025)
Deeds & Mortgages	Jun 2020 Loan Modification Feb 2018 Loan Modification
Flood Zone	Zone X (minimal risk)
APN	`52-25-30-355-007`

Property Details

APN / Parcel Number

Primary APN	`52-25-30-355-007`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,221 sqft Living Area
1st Floor Area	1,221 sqft
Basement Area	1,221 sqft
Unfinished Basement	1,221 sqft

Exterior

Year Built	Built 1954
Effective Year Built	Effective 1954
Exterior Material	Brick
Construction Type	Brick
Roof Type	Hip
Lot Area	6,011 sqft (0.138 acres)
Lot Dimensions	120 ft deep x 50 ft wide
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	168 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	23090 HARDING ST
City	OAK PARK
State	MI
Zip	48237-2447
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	T1N, R11E, SEC 30 ETKIN SUB LOT 7
Legal Range	11E
Legal Township	01N
Legal Section	30
Legal Subdivision	ETKIN
Legal Lot Number	7
Jurisdiction	OAKLAND MI
Township / Civil Division	OAK PARK
Census Block Group	2
Census Block	2012
Census Tract	171400

Owner

23090 Harding St is owned and occupied by two individuals who bought it in April 1998.

Source: Oakland County records, as of August 31, 2026

Owner of Record	2 Individual Names on File
Mailing Address	23090 HARDING ST, OAK PARK, MI 48237-2447
Occupancy	Owner Occupied
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Date	Document
Jun 11, 2020	Loan Modification, Mortgage · FHA Mortgage CARRINGTON MTG SVCS
Feb 1, 2018	Loan Modification, Mortgage · Conventional with PMI CARRINGTON MTG SVCS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 3, 1998 · Amount on File
Deed Sale	Apr 3, 1998 · Amount on File
Record Updated	Oct 29, 2026

June 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	OAKLAND MI
Property Address	23090 HARDING ST, OAK PARK, MI 48237-2447
Document Number	0000129555
Instrument Date	Jun 11, 2020
Transaction Type	Mortgage
Record Updated	Jul 29, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	23090 HARDING ST OAK PARK MI 482372447, OAK PARK, MI 48237-2447

Mortgage

Document Number	0000129555
Date	Jul 6, 2020
Book Page	054443/000695
Instrument	129555

Lender

Name	CARRINGTON MTG SVCS
Address	ANAHEIM, CA 92806

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 5, 2050

Interest

Rate	3.75%

February 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	OAKLAND MI
Property Address	23090 HARDING ST, OAK PARK, MI 48237-2447
Document Number	0000043056
Instrument Date	Feb 1, 2018
Transaction Type	Mortgage
Record Updated	Apr 3, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	23090 HARDING ST OAK PARK MI 482372447, OAK PARK, MI 48237-2447

Mortgage

Document Number	0000043056
Date	Mar 21, 2018
Book Page	051650/000388
Instrument	43056

Lender

Name	CARRINGTON MTG SVCS
Address	ANAHEIM, CA 92806

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Mar 20, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 23090 Harding St was $2,190 with a homeowner's exemption, up 1.8% from the year before.

Source: Oakland County assessment roll, as of January 21, 2026

Property Jurisdictions

Type	Name
State	Michigan
County	Oakland County
Municipality	Oak Park City
Unified School District	Oak Park City School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,190.00 (+1.81%) Homeowner's exemption	$109,400 Land $20,000 Building $89,400	$218,800 Land $40,000 Building $178,800
2024	$2,151.00
2023		$89,200 Land $13,600 Building $75,600	$178,400 Land $27,200 Building $151,200
2022	$1,915.00

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

Flood

FEMA maps place 23090 Harding St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective December 8, 2024 · 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	3 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

The area around 23090 Harding St has no burnable land within ember reach, so its wildfire risk is not rated.

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

Wildfire Risk	Not rated no burnable land within ember reach

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	OAK PARK serves 29,654 people · EPA ID MI0004880
Water Source	Purchased surface water from GREAT LAKES WATER AUTHORITY
Last State Inspection	Feb 2026
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	None 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 903 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL in parts of the area	5,000 / 5,000
Xfinity Cable	1,200 / 35
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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