326 E Main St, Hart, MI 49420 Property Records

Oceana County property record for 326 E Main St, Hart, MI 49420

Property Summary

Property Type	Single Family Home
Lot Size	0.795 acres (34,630 sqft)
Owner	2 Individual Names on Record
Tax Bill	$4,462 (2025)
Deeds & Mortgages	Apr 2021 Mortgage Jan 2017 Line of Credit + 1 more
Flood Zone	Zone A (high risk)
APN	`020-248-001-00`

Property Details

APN / Parcel Number

Primary APN	`020-248-001-00`

Exterior

Lot Area	34,630 sqft (0.795 acres)

Location & Zoning

Street Address	326 E MAIN ST
City	HART
State	MI
Zip	49420-1171
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CITY OF HART STANDARD MAP PLAT A ALL THAT PT BLK 48 EXC PT TO CITY OF HART & EXC S 84 FT OF W 24 FT BLK 48. WD 2017/19419 & C
Legal Subdivision	CITY OF HART
Legal Block	48
Jurisdiction	OCEANA MI
Township / Civil Division	HART
Census Block Group	3
Census Block	3005
Census Tract	10400

Owner

Source: Oceana County records, as of October 13, 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	326 E MAIN ST, HART, MI 49420-1171
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 7, 2021	Deed of Trust, Mortgage · Conventional Mortgage FIFTH THIRD BANK NA
Jan 12, 2017	Deed of Trust, Mortgage · Line of Credit WEST SHORE BANK
Oct 6, 2017	Warranty Deed, Transfer · Conventional Mortgage FIFTH THIRD MORTGAGE MICHIGAN LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 6, 2017
Deed Sale	Oct 6, 2017
Prior Sale	Jan 8, 1999 · Amount on Record
Deed Document Number	20175891
Deed Book / Page	2017 / 19419
Record Updated	Oct 29, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OCEANA MI
Property Address	326 E MAIN ST, HART, MI 49420-1171
Transaction Type	Mortgage
Record Updated	Jun 2, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2021/8923
Date	Apr 7, 2021
Book Page	2021/8923
Instrument	202100002573

Lender

Name	FIFTH THIRD BANK NA
Type	Bank
Address	CINCINNATI, OH 45227

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	May 1, 2041

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OCEANA MI
Property Address	326 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	2017/000848
Date	Jan 12, 2017
Book Page	2017/000848
Instrument	201700000233

Lender

Name	WEST SHORE BANK
Type	Bank
Address	HART, MI 49420

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OCEANA MI
Recording Date	Oct 6, 2017
Property Address	326 E MAIN ST, HART, MI 49420-1171
Document Number	2017/019419
Book / Page	2017 / 019419
Map Reference	LB1 PG34
Instrument Date	Oct 6, 2017
Instrument	201700005891
Transaction Type	Transfer
Record Updated	May 11, 2021
Title Company	OCEANA LAND TITLE AGENCY, OCEANA LAND TITLE AGENCY INC

Transaction

Tax	$0.00
Amount Accuracy	Not Public Record
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	326 E MAIN ST, 326, HART, MI 49420-1171

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	523 S DRYDEN ST, HART, MI 49420-1313

Mortgage

Document Number	2017019422
Date	Oct 6, 2017
Instrument	2017/019422

Lender

Name	FIFTH THIRD MORTGAGE MICHIGAN LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2047

Tax Assessment & Valuation

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		$179,700 (+9.71%) Land $179,700	$359,400 (+9.71%) Land $359,400
2025	$4,462.00 (+1.92%) Homeowner's exemption	$163,800 (+30.21%) Land $163,800	$327,600 (+30.21%) Land $327,600
2024	$4,378.00 (+9.56%)
2023		$125,800 Land $125,800	$251,600 (-) Land $251,600
2022	$3,996.00		$251,600

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 August 23, 2021

FEMA Flood Zone	Zone A high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Not determined for this zone
Flood Insurance Requirement	Required federally backed loans

Values are read at the parcel center point; 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 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.

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