3500 Harding St, Dearborn, MI 48124 Property Records

Wayne County property record for 3500 Harding St, Dearborn, MI 48124

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 971 sqft · built 1932
Lot Size	0.14 acres (6,098 sqft)
Owner	2 Individual Names on Record
Last Sale	$35,000 (Jun 2010)
Tax Bill	$2,850 (2025)
Deeds & Mortgages	May 2022 Line of Credit Nov 2021 Transfer
Flood Zone	Zone AE (high risk)
APN	`82-09-273-31-031`

Property Details

APN / Parcel Number

Primary APN	`82-09-273-31-031`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	971 sqft Living Area
1st Floor Area	971 sqft
Basement Area	861 sqft
Unfinished Basement	765 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1932
Effective Year Built	Effective 1932
Exterior Material	Aluminum/Vinyl
Lot Area	6,098 sqft (0.14 acres)
Lot Dimensions	140 ft deep x 45 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	3500 HARDING ST
City	DEARBORN
State	MI
Zip	48124-3732
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA
Legal Description	LOT 23 INCLUDING HALF OF THE VACATED ALLEY IN THE REAR THEREOFF DEARBORN TRACTOR SUB
Legal Subdivision	DEARBORN TRACTOR
Legal Lot Number	23
Jurisdiction	WAYNE MI
Township / Civil Division	DEARBORN
Census Block Group	1
Census Block	1001
Census Tract	575401

Owner

Source: Wayne County records, as of December 23, 2025

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	3500 HARDING ST, DEARBORN, MI 48124-3732
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 3, 2022	Deed of Trust, Mortgage · Line of Credit DFCU FINANCIAL
Nov 24, 2021	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 3, 2010 · Amount on Record
Deed Sale	Jun 3, 2010 · Amount on Record
Prior Sale	Sep 11, 2009 · Amount on Record
Deed Document Number	2010240051
Deed Book / Page	48582 / 1323
Last Transfer Date	Sep 23, 2010
Transfer Doc	0572191461
Record Updated	Sep 20, 2026

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WAYNE MI
Property Address	3500 HARDING ST, DEARBORN, MI 48124-3732
Transaction Type	Mortgage
Record Updated	May 26, 2022
Title Company	DFCU TITLE AGENCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3500 HARDING ST, DEARBORN, MI 48124-3732

Mortgage

Document Number	0576071395
Date	May 3, 2022
Book Page	57607/1395
Instrument	2022174909

Lender

Name	DFCU FINANCIAL
Type	Credit Union
Address	DEARBORN, MI 48126

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	May 2, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	WAYNE MI
Recording Date	Nov 24, 2021
Property Address	3500 HARDING ST, DEARBORN, MI 48124-3732
Document Number	0572191461
Book / Page	57219 / 1461
Map Reference	LB 39 PG 88
Instrument Date	Sep 23, 2010
Instrument	2021414941
Transaction Type	Transfer
Record Updated	Dec 20, 2021

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	3500 HARDING ST, DEARBORN, MI 48124-3732

Tax Assessment & Valuation

Source: Wayne County assessment roll, as of August 5, 2025

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
2025	$2,850.00 (+11.02%) Homeowner's exemption	$91,000 (+22.81%)	$182,000 (+22.81%)
2023		$74,100	$148,200
2019	$2,567.00

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 15 policies
Nearby Flood Policies	15 in force
Nearby Flood Claims	2 (2014)
Most Recent Claim	Aug 2014 · Severe Storms And Flooding

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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