3434 Harding St, Dearborn, MI 48124 Property Records

Wayne County property record for 3434 Harding St, Dearborn, MI 48124

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,204 sqft · built 1940
Lot Size	0.13 acres (5,663 sqft)
Owner	Individual Name on Record
Last Sale	$154,900 (Aug 2022)
Tax Bill	$4,121 (2025)
Deeds & Mortgages	Nov 2021 Mortgage Aug 2022 Mortgage + 3 more
Flood Zone	Zone AE (high risk)
APN	`82-09-273-23-019`

Property Details

APN / Parcel Number

Primary APN	`82-09-273-23-019`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,204 sqft Living Area
1st Floor Area	803 sqft
Basement Area	803 sqft
Unfinished Basement	675 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1940
Exterior Material	Aluminum/Vinyl
Lot Area	5,663 sqft (0.13 acres)
Lot Dimensions	140 ft deep x 40 ft wide
Garage Area	280 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	3434 HARDING ST
City	DEARBORN
State	MI
Zip	48124-3763
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA
Legal Description	LOT 27 INCLUDING HALF OF THE VACATED ALLEY IN THE REAR THEREOFF DEARBORN TRACTOR SUB
Legal Subdivision	DEARBORN TRACTOR
Legal Lot Number	27
Jurisdiction	WAYNE MI
Township / Civil Division	DEARBORN
Census Block Group	3
Census Block	3027
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	3434 HARDING ST, DEARBORN, MI 48124-3763
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 16, 2021	Deed of Trust, Mortgage · Conventional Mortgage CALIBER HOME LOANS INC
Aug 29, 2022	Deed of Trust, Mortgage · FHA Mortgage EVERETT FINANCIAL INC
Aug 30, 2022	Warranty Deed, Transfer NVR TITLE, V1 TITLE AGENCY LLC
Feb 12, 2019	Warranty Deed, Transfer · Conventional Mortgage NATIONS DIRECT MORTGAGE LLC
Nov 9, 2017	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 30, 2022 · Amount on Record
Deed Sale	Aug 30, 2022 · Amount on Record
Prior Sale	Feb 12, 2019 · Amount on Record
Deed Document Number	2022273731
Deed Book / Page	57827 / 46
Prior Transfer Date	Nov 3, 2017
Prior Transfer Doc	0540540115
Record Updated	Oct 29, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WAYNE MI
Property Address	3434 HARDING ST, DEARBORN, MI 48124-3763
Transaction Type	Mortgage
Record Updated	Jan 19, 2023
Title Company	FIRST AMERICAN MORTGAGE SLN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3434 HARDING ST, DEARBORN, MI 48124-3763

Mortgage

Document Number	0571990086
Date	Nov 16, 2021
Book Page	57199/86
Instrument	2021405311

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Dec 1, 2036

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WAYNE MI
Property Address	3434 HARDING ST, DEARBORN, MI 48124-3763
Transaction Type	Mortgage
Record Updated	Jan 19, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2145 RAWSONVILLE RD, VAN BUREN TWP, MI 48111-2283

Mortgage

Document Number	0578250442
Date	Aug 29, 2022
Book Page	57825/442
Instrument	2022273078

Lender

Name	EVERETT FINANCIAL INC
Type	Funding / Finance Company
Address	DALLAS, TX 75254

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2052

August 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WAYNE MI
Recording Date	Aug 30, 2022
Property Address	3434 HARDING ST, DEARBORN, MI 48124-3763
Document Number	0578270046
Book / Page	57827 / 46
Map Reference	LB 39 PG 88
Instrument Date	Aug 26, 2022
Instrument	2022273731
Transaction Type	Transfer
Record Updated	Jan 19, 2023
Title Company	NVR TITLE, V1 TITLE AGENCY LLC

Transaction

Amount	Amount Recorded
Tax	$1,162.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3434 HARDING ST, DEARBORN, MI 48124-3763

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2145 RAWSONVILLE RD, VAN BUREN TWP, MI 48111-2283

February 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WAYNE MI
Recording Date	Feb 12, 2019
Property Address	3434 HARDING ST, DEARBORN, MI 48124-3763
Document Number	0548550189
Book / Page	54855 / 0189
Map Reference	LB 39 PG 88
Instrument Date	Jan 29, 2019
Instrument	2019031174
Transaction Type	Transfer
Record Updated	May 24, 2021
Title Company	VENTURE TITLE AGENCY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$838.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3434 HARDING ST, 3434, DEARBORN, MI 48124-3763

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3434 HARDING ST, DEARBORN, MI 48124-3763

Mortgage

Document Number	2019031160
Date	Feb 12, 2019
Instrument	2019031160

Lender

Name	NATIONS DIRECT MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2049

November 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WAYNE MI
Recording Date	Nov 9, 2017
Property Address	3434 HARDING ST, DEARBORN, MI 48124-3763
Document Number	0540541150
Book / Page	054054 / 001150
Instrument Date	Nov 3, 2017
Instrument	353560
Transaction Type	Transfer
Record Updated	Dec 5, 2017

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3434 HARDING ST DEARBORN MI 481243763, DEARBORN, MI 48124-3763

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		$83,300 (-1.3%)	$166,600 (-1.3%)
2025	$4,121.00 (+59.05%) Homeowner's exemption	$84,400 (+13.9%)	$168,800 (+13.9%)
2023		$74,100	$148,200
2019	$2,591.00

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.

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