3631 Harding St, Dearborn, MI 48124 Property Records

Wayne County property record for 3631 Harding St, Dearborn, MI 48124

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,148 sqft · built 1956
Lot Size	0.339 acres (14,810 sqft)
Owner	Individual Name on Record
Last Sale	$130,000 (Nov 2020)
Tax Bill	$3,332 (2019)
Deeds & Mortgages	Dec 2022 Mortgage Aug 2022 Line of Credit + 2 more
Flood Zone	Zone AE (high risk)
APN	`82-09-273-32-011`

Property Details

APN / Parcel Number

Primary APN	`82-09-273-32-011`
Alternative APN	`82 09 273 32 029`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,148 sqft
Gross Area	2,296 sqft
Fireplaces	2 Fireplaces
Fireplace	Fireplace

Exterior

Year Built	Built 1956
Architectural Style	Other
Exterior Material	Concrete Block
Lot Area	14,810 sqft (0.339 acres)
Lot Dimensions	154 ft deep x 95 ft wide

Utilities, Heating & Cooling

Heating System	Forced Air

Location & Zoning

Old Parcel Number	82-09-273-32-011
Street Address	3631 HARDING ST
City	DEARBORN
State	MI
Zip	48124-3767
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA
Legal Description	DIST:32 CITY/MUNI/TWP:DEARBORN CITY
Legal Subdivision	DEARBORN TRACTOR
Legal Lot Number	82
Jurisdiction	WAYNE MI
Township / Civil Division	DEARBORN
Census Block Group	1
Census Block	1000
Census Tract	575401

Owner

Source: Wayne County records, as of March 25, 2024

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	3631 HARDING ST, DEARBORN, MI 48124-3767
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 21, 2022	Deed of Trust, Mortgage · Conventional Mortgage DFCU FINANCIAL
Aug 12, 2022	Deed of Trust, Mortgage · Line of Credit DFCU FINANCIAL
Jan 26, 2024	Deed of Trust, Mortgage · Stand-Alone Second Mortgage DFCU FINANCIAL
Nov 16, 2020	Warranty Deed, Transfer FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 16, 2020 · Amount on Record
Deed Sale	Nov 16, 2020 · Amount on Record
Prior Sale	Mar 5, 2007
Deed Document Number	2020323347
Deed Book / Page	56202 / 147
Record Updated	Jun 7, 2026

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WAYNE MI
Property Address	3631 HARDING ST, DEARBORN, MI 48124-3767
Transaction Type	Mortgage
Record Updated	Mar 26, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3631 HARDING ST, DEARBORN, MI 48124-3767

Mortgage

Document Number	0580120260
Date	Dec 21, 2022
Book Page	58012/260
Instrument	2022357630

Lender

Name	DFCU FINANCIAL
Type	Credit Union
Address	DEARBORN, MI 48126

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	5.87%
Type Change Date	Jan 1, 2028
Change Frequency	6 Months
Min Rate At Change	3.87%
Max Rate At Change	7.87%
Index	Other
Margin	3
Max Rate	10.8%

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WAYNE MI
Property Address	3631 HARDING ST, DEARBORN, MI 48124-3767
Transaction Type	Mortgage
Record Updated	Mar 26, 2024
Title Company	DFCU TITLE AGENCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3631 HARDING ST, DEARBORN, MI 48124-3767
Investor	Possibly a Property Investor

Mortgage

Document Number	0577990505
Date	Aug 12, 2022
Book Page	57799/505
Instrument	2022261308

Lender

Name	DFCU FINANCIAL
Type	Credit Union
Address	DEARBORN, MI 48126

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Aug 11, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WAYNE MI
Property Address	3631 HARDING ST, DEARBORN, MI 48124-3767
Transaction Type	Mortgage
Record Updated	Mar 26, 2024
Title Company	DFCU TITLE AGENCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3631 HARDING ST, DEARBORN, MI 48124-3767

Mortgage

Document Number	0586551357
Date	Jan 26, 2024
Book Page	58655/1357
Instrument	2024020353

Lender

Name	DFCU FINANCIAL
Type	Credit Union
Address	DEARBORN, MI 48126

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Dec 31, 2033

November 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WAYNE MI
Recording Date	Nov 16, 2020
Property Address	3631 HARDING ST, DEARBORN, MI 48124-3767
Document Number	0562020147
Book / Page	056202 / 000147
Instrument Date	Nov 2, 2020
Instrument	323347
Transaction Type	Transfer
Record Updated	Feb 11, 2021
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE

Transaction

Amount	Amount Recorded
Tax	$1,118.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4 FAIRMOUNT CT DEARBORN MI 481241201, DEARBORN, MI 48124-1201

Tax Assessment & Valuation

Source: Wayne County assessment roll, as of March 1, 2023

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
2019	$3,332.00

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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