3531 Harding St, Dearborn, MI 48124 Property Records

Wayne County property record for 3531 Harding St, Dearborn, MI 48124

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 772 sqft · built 1942
Lot Size	0.14 acres (6,098 sqft)
Owner	Individual Name on Record
Last Sale	$126,500 (Jul 2007)
Tax Bill	$1,998 (2025)
Deeds & Mortgages	Jul 2026 Line of Credit Oct 2019 Mortgage
Flood Zone	Zone AE (high risk)
APN	`82-09-273-32-004`

Property Details

APN / Parcel Number

Primary APN	`82-09-273-32-004`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	772 sqft Living Area
1st Floor Area	764 sqft
Basement Area	624 sqft
Unfinished Basement	624 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1942
Effective Year Built	Effective 1942
Exterior Material	Aluminum/Vinyl
Lot Area	6,098 sqft (0.14 acres)
Lot Dimensions	154 ft deep x 41 ft wide
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	3531 HARDING ST
City	DEARBORN
State	MI
Zip	48124-3731
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA
Legal Description	LOT 75 INCLUDING HALF OF THE VACATED ALLEY IN THE REAR THEREOFF DEARBORN TRACTOR SUB
Legal Subdivision	DEARBORN TRACTOR
Legal Lot Number	75
Jurisdiction	WAYNE MI
Township / Civil Division	DEARBORN
Census Block Group	1
Census Block	1000
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	3531 HARDING ST, DEARBORN, MI 48124-3731
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 6, 2026	Deed of Trust, Mortgage · Line of Credit DFCU FINANCIAL
Oct 25, 2019	Deed of Trust, Mortgage · Conventional Mortgage DFCU FINANCIAL

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 9, 2007 · Amount on Record
Deed Sale	Jul 9, 2007 · Amount on Record
Deed Document Number	2007292001
Deed Book / Page	46469 / 614
Record Updated	Oct 29, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WAYNE MI
Recording Date	Jul 6, 2026
Property Address	3531 HARDING ST, DEARBORN, MI 48124-3731
Document Number	0000220478
Book / Page	60385 / 411
Instrument Date	Jun 11, 2026
Instrument	2026220478
Transaction Type	Mortgage
Record Updated	Sep 9, 2026
Title Company	DFCU TITLE AGENCY LLC, DFCU TITLE AGENCY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3531 HARDING ST, DEARBORN, MI 48124-3731

Mortgage

Document Number	0000220478,
Date	Jul 6, 2026
Book Page	60385/411
Instrument	2026220478

Lender

Name	DFCU FINANCIAL

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Max Rate	-1%

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WAYNE MI
Property Address	3531 HARDING ST, DEARBORN, MI 48124-3731
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0553620896
Date	Oct 25, 2019
Book Page	55362/0896
Instrument	2019301643

Lender

Name	DFCU FINANCIAL
Type	Credit Union
Address	DEARBORN, MI 48126

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2049

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		$95,900 (+55.18%)	$191,800 (+55.18%)
2025	$1,998.00 (-0.25%)
2023		$61,800	$123,600
2019	$2,003.00

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 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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