26421 Harding St, Oak Park, MI 48237 Property Records

Oakland County property record for 26421 Harding St, Oak Park, MI 48237

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,963 sqft · built 1965
Lot Size	0.155 acres (6,752 sqft)
Owner	2 Individual Names on File
Last Sale	$265,000 (Feb 2020)
Tax Bill	$8,279 (2025)
Deeds & Mortgages	Dec 2021 Mortgage Feb 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`52-25-19-104-008`

Property Details

APN / Parcel Number

Primary APN	`52-25-19-104-008`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,963 sqft Living Area
1st Floor Area	1,150 sqft
Basement Area	906 sqft
Unfinished Basement	1,150 sqft

Exterior

Year Built	Built 1965
Effective Year Built	Effective 1965
Exterior Material	Aluminum/Vinyl
Construction Type	Brick
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable
Lot Area	6,752 sqft (0.155 acres)
Lot Dimensions	135 ft deep x 50 ft wide
Garage Area	422 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	30 sqft
Patio Area	400 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	26421 HARDING ST
City	OAK PARK
State	MI
Zip	48237-1008
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	T1N, R11E, SEC 19 JOAN HEIGHTS SUB NO 1 N 30 FT OF LOT 146 & S 20 FT OF LOT 147
Legal Range	11E
Legal Township	01N
Legal Section	19
Legal Subdivision	JOAN HEIGHTS NO 1
Legal Lot Number	146-147
Jurisdiction	OAKLAND MI
Township / Civil Division	OAK PARK
Census Block Group	5
Census Block	5003
Census Tract	171000

Owner

26421 Harding St is owned and occupied by two individuals who bought it in February 2020.

Source: Oakland County records, as of July 23, 2026

Owner of Record	2 Individual Names on File
Mailing Address	26421 HARDING ST, OAK PARK, MI 48237-1008
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
Dec 20, 2021	Deed of Trust, Mortgage · Conventional Mortgage FUNDING RESOURCES MORTGAGE CORP
Feb 18, 2020	Warranty Deed, Transfer · Conventional Mortgage TCF NATIONAL BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 18, 2020 · Amount on File
Deed Sale	Feb 18, 2020 · Amount on File
Deed Document Number	202034119
Deed Book / Page	53843 / 432
Record Updated	Oct 29, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKLAND MI
Property Address	26421 HARDING ST, OAK PARK, MI 48237-1008
Transaction Type	Mortgage
Record Updated	Mar 9, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	26421 HARDING ST, OAK PARK, MI 48237-1008

Mortgage

Document Number	0000279158
Date	Dec 20, 2021
Book Page	57207/458
Instrument	279158

Lender

Name	FUNDING RESOURCES MORTGAGE CORP
Type	Mortgage Company
Address	CLIFTON, NJ 07012

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2051

February 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OAKLAND MI
Recording Date	Feb 18, 2020
Property Address	26421 HARDING ST, OAK PARK, MI 48237-1008
Document Number	0000034119
Book / Page	53843 / 432
Map Reference	LB 30 PG 3
Instrument Date	Feb 5, 2020
Instrument	34119
Transaction Type	Transfer
Record Updated	Jun 29, 2021
Title Company	M S TITLE AGENCY LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,279.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	26421 HARDING ST, 26421, OAK PARK, MI 48237-1008

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	26080 STRARFORD PLACE, OAK PARK, MI 48237-1030

Mortgage

Document Number	5384300435
Date	Feb 18, 2020
Instrument	53843/00435

Lender

Name	TCF NATIONAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2050

Interest

Rate Type	Adjustable Rate
Rate	3.87%
Type Change Date	Mar 1, 2030
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	8.87%
Index	1-Year LIBOR
Max Rate	8.87%

Tax Assessment & Valuation

The 2025 property tax bill for 26421 Harding St was $8,279 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	Berkley School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$8,279.00 (+1.76%) Homeowner's exemption	$166,800 Land $25,700 Building $141,100	$333,600 Land $51,400 Building $282,200
2024	$8,136.00
2023		$146,500 Land $19,700 Building $126,800	$293,000 Land $39,400 Building $253,600
2022	$6,948.00

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

Flood

FEMA maps place 26421 Harding St in Zone X, an area of minimal flood risk.

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

The area around 26421 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 544 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL · Fixed Wireless in parts of the area	5,000 / 5,000
Xfinity Cable	2,000 / 250
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon, WOW Internet, Cable & Phone.

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