3247 Harding St, Dearborn, MI 48124 Property Records

Wayne County property record for 3247 Harding St, Dearborn, MI 48124

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 1,190 sqft · built 1951
Lot Size	0.13 acres (5,663 sqft)
Owner	Individual Name on Record
Last Sale	$127,000 (Feb 2018)
Tax Bill	$3,883 (2025)
Deeds & Mortgages	Feb 2018 Line of Credit Feb 2018 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`82-09-273-16-004`

Property Details

APN / Parcel Number

Primary APN	`82-09-273-16-004`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,190 sqft Living Area
1st Floor Area	793 sqft
Basement Area	793 sqft
Unfinished Basement	793 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1951
Effective Year Built	Effective 1951
Exterior Material	Brick
Construction Type	Frame
Lot Area	5,663 sqft (0.13 acres)
Lot Dimensions	154 ft deep x 38 ft wide
Garage Area	336 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	3247 HARDING ST
City	DEARBORN
State	MI
Zip	48124-3727
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA
Legal Description	LOT 52 INCLUDING HALF OF THE VACATED ALLEY IN THE REAR THEREOF DEARBORN TRACTOR SUB
Legal Subdivision	DEARBORN TRACTOR
Legal Lot Number	52
Jurisdiction	WAYNE MI
Township / Civil Division	DEARBORN
Census Block Group	3
Census Block	3031
Census Tract	575401

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	3247 HARDING ST, DEARBORN, MI 48124-3727
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 2, 2018	Deed of Trust, Mortgage · Line of Credit DFCU FINANCIAL
Feb 5, 2018	Warranty Deed, Transfer · FHA Mortgage CALIBER HM LOANS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 5, 2018 · Amount on Record
Deed Sale	Feb 5, 2018 · Amount on Record
Prior Sale	May 14, 1996 · Amount on Record
Deed Document Number	201829957
Deed Book / Page	54203 / 501
Prior Transfer Date	Nov 27, 2007
Prior Transfer Doc	0468520092
Record Updated	Oct 29, 2026

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WAYNE MI
Property Address	3247 HARDING ST, DEARBORN, MI 48124-3727
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	DFCU TITLE AGENCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0542001150
Date	Feb 2, 2018
Book Page	54200/1150
Instrument	2018028033

Lender

Name	DFCU FINANCIAL
Type	Credit Union
Address	DEARBORN, MI 48126

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2048

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WAYNE MI
Recording Date	Feb 5, 2018
Property Address	3247 HARDING ST, DEARBORN, MI 48124-3727
Document Number	0542030501
Book / Page	054203 / 000501
Instrument Date	Jan 19, 2018
Instrument	29957
Transaction Type	Transfer
Record Updated	Mar 1, 2018
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,092.20
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3247 HARDING ST DEARBORN MI 481243727, DEARBORN, MI 48124-3727

Mortgage

Document Number	542030502
Date	Feb 5, 2018
Book Page	054203/000502
Instrument	29958

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	IRVING, TX 75063

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 4, 2048

Tax Assessment & Valuation

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		$112,400 (+31%)	$224,800 (+31%)
2025	$3,883.00 (-0.67%) Homeowner's exemption	$85,800 (+14.4%)	$171,600 (+14.4%)
2023		$75,000	$150,000
2019	$3,909.00

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 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 Record 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

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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