2440 Harmon Rd, Ovid, MI 48866 Property Records

Clinton County property record for 2440 Harmon Rd, Ovid, MI 48866

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,181 sqft · built 2008
Lot Size	19.9 acres (867,715 sqft)
Owner	2 Individual Names on Record
Last Sale	$390,000 (May 2018)
Tax Bill	$2,640 (2025)
Deeds & Mortgages	Feb 2022 Mortgage Sep 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`120-005-400-002-00`

Property Details

APN / Parcel Number

Primary APN	`120-005-400-002-00`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,181 sqft Living Area
1st Floor Area	2,172 sqft
Basement Area	2,172 sqft
Unfinished Basement	2,174 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2008
Effective Year Built	Effective 2008
Exterior Material	Aluminum/Vinyl
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	867,715 sqft (19.9 acres)
Garage Type	Attached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Deck Area	200 sqft
Patio Area	176 sqft
Balcony Area	9 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	2440 HARMON RD
City	OVID
State	MI
Zip	48866-9662
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A-2
Legal Description	SEC 5 ,T7N R1W COM 635 FT W OF THE E 1/4 COR, TH S0320'26"W 1282.71 FT, TH S 5657'54" W 572.02 FT, TH S 82*47'14"W 71.18
Legal Range	01W
Legal Township	07N
Legal Section	05
Jurisdiction	CLINTON MI
Township / Civil Division	OVID
Census Block Group	1
Census Block	1004
Census Tract	11001

Owner

Source: Clinton County records, as of June 2, 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	2440 HARMON RD, OVID, MI 48866-9662
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 2, 2022	Deed of Trust, Mortgage · Conventional Mortgage HEARTLAND HOME MORTGAGE
Sep 30, 2020	Deed of Trust, Mortgage · Conventional Mortgage CITIZENS BANK NA
May 18, 2018	Warranty Deed, Transfer · Conventional Mortgage TOWNE MORTGAGE CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 18, 2018 · Amount on Record
Deed Sale	May 18, 2018 · Amount on Record
Deed Document Number	20185267154
Prior Transfer Date	May 5, 2015
Prior Transfer Doc	5227737
Record Updated	Sep 20, 2026

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLINTON MI
Property Address	2440 HARMON RD, OVID, MI 48866-9662
Transaction Type	Mortgage
Record Updated	Mar 2, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2440 HARMON RD, OVID, MI 48866-9662

Mortgage

Document Number	0005321309
Date	Feb 2, 2022
Instrument	5321309

Lender

Name	HEARTLAND HOME MORTGAGE
Type	Mortgage Company
Address	GRAND RAPIDS, MI 49508

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2052

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLINTON MI
Property Address	2440 HARMON RD, OVID, MI 48866-9662
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	TRANSNATION TITLE AGENCY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	5298638
Date	Sep 30, 2020
Instrument	5298638

Lender

Name	CITIZENS BANK NA
Type	Bank
Address	PROVIDENCE, RI 02903

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2050

May 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLINTON MI
Recording Date	May 18, 2018
Property Address	2440 HARMON RD, OVID, MI 48866-9662
Document Number	5267154
Instrument Date	May 11, 2018
Instrument	5267154
Transaction Type	Transfer
Record Updated	Sep 20, 2021
Title Company	TRANSNATION TITLE AGENCY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,354.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 50, EAST LANSING, MI 48826-0050

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8365 E ISLAND RD, ELSIE, MI 48831-9714

Mortgage

Document Number	5267155
Date	May 18, 2018
Instrument	5267155

Lender

Name	TOWNE MORTGAGE CO
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2048

Tax Assessment & Valuation

Source: Clinton County assessment roll, as of June 2, 2026

Property Jurisdictions

Type	Name
State	Michigan
County	Clinton County
County Subdivision	Ovid Township
Unified School District	Ovid-Elsie Area Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$325,000 (+7.62%) Land $87,700 Building $237,300	$650,000 (+7.62%) Land $175,400 Building $474,600
2025	$2,640.00 Homeowner's exemption	$302,000 (+14.87%) Land $74,600 Building $227,400	$604,000 (+14.87%) Land $149,200 Building $454,800
2023		$262,900	$525,800
2018	$4,273.00

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 May 3, 2011 · 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	4 in force
Nearby Flood Claims	1 (2023)
Most Recent Claim	Apr 2023 · rainfall accumulation

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 93% of the US · lower than 83% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 4 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Verizon Fixed Wireless	25 / 6

May also be available: Point Broadband.

Cell Coverage

5G (outdoors only) and 4G LTE

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