3401 Harding St, Dearborn, MI 48124 Property Records

Wayne County property record for 3401 Harding St, Dearborn, MI 48124

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,396 sqft · built 1991
Lot Size	0.14 acres (6,098 sqft)
Owner	2 Individual Names on Record
Last Sale	$300,000 (Oct 2023)
Tax Bill	$6,943 (2025)
Deeds & Mortgages	Oct 2023 Mortgage Aug 2020 Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`82-09-273-24-008`

Property Details

APN / Parcel Number

Primary APN	`82-09-273-24-008`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,396 sqft Living Area
1st Floor Area	982 sqft
Basement Area	688 sqft
Unfinished Basement	688 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1991
Effective Year Built	Effective 1991
Architectural Style	Custom Design
Exterior Material	Brick
Construction Type	Frame
Lot Area	6,098 sqft (0.14 acres)
Lot Dimensions	154 ft deep x 40 ft wide
Garage Area	441 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	3401 HARDING ST
City	DEARBORN
State	MI
Zip	48124-3768
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA
Legal Description	LOT 64 INCLUDING HALF OF THE VACATED ALLEY IN THE REAR THEREOFF DEARBORN TRACTOR SUB
Legal Subdivision	DEARBORN TRACTOR
Legal Lot Number	64
Jurisdiction	WAYNE MI
Township / Civil Division	DEARBORN
Census Block Group	3
Census Block	3032
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	2 Individual Names on Record
Mailing Address	3401 HARDING ST, DEARBORN, MI 48124-3768
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 12, 2023	Deed of Trust, Mortgage · FHA Mortgage UNITED WHOLESALE MORTGAGE
Aug 13, 2020	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC
Aug 30, 2018	Warranty Deed, Transfer · Conventional with PMI QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 17, 2023 · Amount on Record
Deed Sale	Oct 17, 2023 · Amount on Record
Prior Sale	Mar 22, 2002
Deed Document Number	2023265705
Deed Book / Page	58509 / 27
Prior Transfer Date	Feb 8, 2002
Record Updated	Oct 29, 2026

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WAYNE MI
Property Address	3401 HARDING ST, DEARBORN, MI 48124-3768
Transaction Type	Mortgage
Record Updated	Nov 6, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	300 RIVERFRONT DR 20A, 20A, DETROIT, MI 48226-4581

Mortgage

Document Number	0585021046
Date	Oct 12, 2023
Book Page	58502/1046
Instrument	2023262658

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2053

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WAYNE MI
Property Address	3401 HARDING ST, DEARBORN, MI 48124-3768
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3401 HARDING ST, DEARBORN, MI 48124-3768

Mortgage

Document Number	0559671113
Date	Aug 13, 2020
Book Page	55967/1113
Instrument	2020231369

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2050

August 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WAYNE MI
Recording Date	Aug 30, 2018
Property Address	3401 HARDING ST, DEARBORN, MI 48124-3768
Document Number	0545900418
Book / Page	054590 / 000418
Instrument Date	Jul 31, 2018
Instrument	257709
Transaction Type	Transfer
Record Updated	Oct 3, 2018
Title Company	ESTATES TITLE AGENCY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,651.20
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3401 HARDING ST DEARBORN MI 481243768, DEARBORN, MI 48124-3768

Mortgage

Document Number	545801466
Date	Aug 30, 2018
Book Page	054580/001466
Instrument	253284

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Aug 29, 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		$140,100 (+1.08%)	$280,200 (+1.08%)
2025	$6,943.00 (+27%) Homeowner's exemption	$138,600 (+14.74%)	$277,200 (+14.74%)
2023		$120,800	$241,600
2019	$5,467.00

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

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 879 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
123.NET Fiber	6,000 / 6,000
AT&T Fiber · Fixed Wireless, DSL in parts of the area	5,000 / 5,000
Xfinity Cable	2,000 / 250
WOW Internet, Cable & Phone Cable	1,200 / 50

May also be available: Verizon.

Nearby Properties on Harding St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

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