316 E Main St, Hart, MI 49420 Property Records

Oceana County property record for 316 E Main St, Hart, MI 49420

Property Summary

Property Type	Single Family Home
Lot Size	0.167 acres (7,286 sqft)
Owner	Individual Name on File
Last Sale	$50,000 (Apr 2018)
Tax Bill	$1,897 (2025)
Deeds & Mortgages	Dec 2018 Mortgage Apr 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`020-249-003-00`

Property Details

APN / Parcel Number

Primary APN	`020-249-003-00`

Exterior

Lot Area	7,286 sqft (0.167 acres)

Location & Zoning

Street Address	316 E MAIN ST
City	HART
State	MI
Zip	49420-1171
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	COM 48.1 FT W OF SE CORNER BLK 49, STANDARD MAP PLAT A CITY OF HART, TH W 50 FT, N TO SHORE LAKE, NE TO PT DIR N OF POB TH S
Legal Subdivision	STANDARD MAP PLAT
Legal Block	49
Jurisdiction	OCEANA MI
Township / Civil Division	HART
Census Block Group	3
Census Block	3005
Census Tract	10400

Owner

316 E Main St is owned and occupied by an individual who bought it in April 2018.

Source: Oceana County records, as of October 13, 2026

Owner of Record	Individual Name on File
Mailing Address	316 E MAIN ST, HART, MI 49420-1171
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 26, 2018	Deed of Trust, Mortgage · Conventional Mortgage WEST SHORE BANK
Apr 17, 2018	Warranty Deed, Transfer · Conventional Mortgage WEST SHORE BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 17, 2018 · Amount on File
Deed Sale	Apr 17, 2018 · Amount on File
Deed Document Number	20182492
Deed Book / Page	2018 / 6841
Prior Transfer Date	Dec 23, 2011
Prior Transfer Doc	2011/025345
Record Updated	Oct 29, 2026

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OCEANA MI
Property Address	316 E MAIN ST, HART, MI 49420-1171
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2018/024547
Date	Dec 26, 2018
Book Page	2018/024547
Instrument	201800007146

Lender

Name	WEST SHORE BANK
Type	Bank
Address	LUDINGTON, MI 49431

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2049

April 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OCEANA MI
Recording Date	Apr 17, 2018
Property Address	316 E MAIN ST, HART, MI 49420-1171
Document Number	2018/006841
Book / Page	2018 / 006841
Instrument Date	Apr 16, 2018
Instrument	201800002492
Transaction Type	Transfer
Record Updated	May 11, 2021

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$430.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	362 W MONROE RD, HART, MI 49420-8447

Mortgage

Document Number	201800002493
Date	Apr 17, 2018
Instrument	201800002493

Lender

Name	WEST SHORE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	9 Months
Due	Jan 16, 2019

Tax Assessment & Valuation

The 2025 property tax bill for 316 E Main St was $1,897 with a homeowner's exemption, up 1.9% from the year before.

Source: Oceana County assessment roll, as of October 13, 2026

Property Jurisdictions

Type	Name
State	Michigan
County	Oceana County
Municipality	Hart City
Unified School District	Hart Public School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$78,700 (+11.47%) Land $78,700	$157,400 (+11.47%) Land $157,400
2025	$1,897.00 (+1.88%) Homeowner's exemption	$70,600 Land $70,600	$141,200 Land $141,200
2024	$1,862.00
2023		$53,100 Land $53,100	$106,200 (-) Land $106,200
2022	$1,698.00		$106,200

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

Flood

FEMA maps place 316 E Main St in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective August 23, 2021

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 100 ft
Flood Insurance Requirement	Not required lenders may require it

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

Wildfire

Wildfire risk around 316 E Main St is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 94% of the US · lower than 85% of Michigan
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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	HART serves 2,126 people · EPA ID MI0003060
Water Source	Groundwater
Last State Inspection	Apr 2025
Lead	3 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 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 281 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

Nearby Properties on E Main St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures