3214 Harding St, Dearborn, MI 48124 Property Records

Wayne County property record for 3214 Harding St, Dearborn, MI 48124

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 1,094 sqft · built 1941
Lot Size	0.12 acres (5,227 sqft)
Owner	Individual Name on File
Last Sale	$155,000 (Jan 2021)
Tax Bill	$3,203 (2025)
Deeds & Mortgages	Jan 2021 Sale & Mortgage Jun 2017 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`82-09-273-15-019`

Property Details

APN / Parcel Number

Primary APN	`82-09-273-15-019`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,094 sqft Living Area
1st Floor Area	720 sqft
Basement Area	720 sqft
Unfinished Basement	720 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1941
Effective Year Built	Effective 1941
Exterior Material	Aluminum/Vinyl
Lot Area	5,227 sqft (0.12 acres)
Lot Dimensions	130 ft deep x 39 ft wide
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	3214 HARDING ST
City	DEARBORN
State	MI
Zip	48124-3728
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA
Legal Description	LOT 47 DEARBORN TRACTOR SUB
Legal Subdivision	DEARBORN TRACTOR
Legal Lot Number	47
Jurisdiction	WAYNE MI
Township / Civil Division	DEARBORN
Census Block Group	3
Census Block	3028
Census Tract	575401

Owner

3214 Harding St is owned and occupied by an individual who bought it in January 2021.

Source: Wayne County records, as of September 15, 2026

Owner of Record	Individual Name on File
Mailing Address	3214 HARDING ST, DEARBORN, MI 48124-3728
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
Jan 5, 2021	Warranty Deed, Transfer · Conventional Mortgage GOLD STAR MORTGAGE FINANCIAL GROUP
Jun 14, 2017	Warranty Deed, Transfer · Conventional Mortgage DFCU FINANCIAL

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 5, 2021 · Amount on File
Deed Sale	Jan 5, 2021 · Amount on File
Prior Sale	Jun 14, 2017 · Amount on File
Deed Document Number	20214
Deed Book / Page	56315 / 1041
Record Updated	Oct 29, 2026

January 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WAYNE MI
Recording Date	Jan 5, 2021
Property Address	3214 HARDING ST, DEARBORN, MI 48124-3728
Document Number	0563151041
Book / Page	56315 / 1041
Map Reference	LB 39 PG 88
Instrument Date	Oct 28, 2020
Instrument	2021021014
Transaction Type	Transfer
Record Updated	May 24, 2021
Title Company	CISLO TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,333.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3214 HARDING ST, 3214, DEARBORN, MI 48124-3728

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3214 HARDING ST, DEARBORN, MI 48124-3728

Mortgage

Document Number	563151043
Date	Jan 5, 2021
Instrument	56315/1043

Lender

Name	GOLD STAR MORTGAGE FINANCIAL GROUP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	358 Months
Due	Nov 1, 2050

June 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WAYNE MI
Recording Date	Jun 14, 2017
Property Address	3214 HARDING ST, DEARBORN, MI 48124-3728
Document Number	0537790093
Book / Page	53779 / 0093
Map Reference	LB39 PG88
Instrument Date	Jun 9, 2017
Instrument	2017228147
Transaction Type	Transfer
Record Updated	May 24, 2021
Title Company	CENTURY TITLE AGENCY SVCS

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,040.10
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3214 HARDING ST, 3214, DEARBORN, MI 48124-3728

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3214 HARDING ST, DEARBORN, MI 48124-3728

Mortgage

Document Number	2017228149
Date	Jun 14, 2017
Instrument	2017228149

Lender

Name	DFCU FINANCIAL
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 3214 Harding St was $3,203 with a homeowner's exemption.

Source: Wayne County assessment roll, as of September 15, 2026

Property Jurisdictions

Type	Name
State	Michigan
County	Wayne County
Municipality	Dearborn City
Unified School District	Dearborn City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$91,700	$183,400
2025	$3,203.00
2023		$66,000	$132,000
2019	$2,687.00

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 3214 Harding St in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective May 25, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 19 policies
Nearby Flood Policies	19 in force
Nearby Flood Claims	4 (2014–2026)
Most Recent Claim	Jun 2026 · other causes

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 3214 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	DEARBORN serves 109,976 people · EPA ID MI0001730
Water Source	Purchased surface water from GREAT LAKES WATER AUTHORITY
Last State Inspection	Feb 2026
Lead	6 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 524 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
WOW Internet, Cable & Phone Cable	1,200 / 50
Verizon Fixed Wireless	1,000 / 75

May also be available: 123.NET, T-Mobile.

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