Wayne County property record for 3812 Harding St, Dearborn, MI 48124
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,509 sqft · built 1943 |
| Lot Size | 0.13 acres (5,663 sqft) |
| Owner | Individual Name on File |
| Last Sale | $147,000 (Mar 2005) |
| Tax Bill | $2,723 (2025) |
| Deeds & Mortgages | Jul 2026 Mortgage Dec 2020 Mortgage |
| Flood Zone | Zone AE (high risk) |
| APN | 82-09-341-28-018 |
| Primary APN | 82-09-341-28-018 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,509 sqft Living Area |
| 1st Floor Area | 996 sqft |
| Basement Area | 708 sqft |
| Unfinished Basement | 711 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1943 |
|---|---|
| Effective Year Built | Effective 1943 |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Concrete |
| Lot Area | 5,663 sqft (0.13 acres) |
| Lot Dimensions | 139 ft deep x 40 ft wide |
| Garage Area | 480 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 3812 HARDING ST |
|---|---|
| City | DEARBORN |
| State | MI |
| Zip | 48124-3765 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RA |
| Legal Description | LOT 191 INCLUDING HALF OF THE VACATED ALLEY IN THE REAR THEREOF FORDSON HEIGHTS SUB |
| Legal Subdivision | FORDSON HEIGHTS |
| Legal Lot Number | 191 |
| Jurisdiction | WAYNE MI |
| Township / Civil Division | DEARBORN |
| Census Block Group | 1 |
| Census Block | 1014 |
| Census Tract | 575401 |
3812 Harding St is owned and occupied by an individual who bought it in March 2005.
Source: Wayne County records, as of October 1, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 3812 HARDING ST, DEARBORN, MI 48124-3765 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jul 20, 2026 | Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC |
| Dec 14, 2020 | Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 24, 2005 · Amount on File |
| Deed Sale | Mar 24, 2005 · Amount on File |
| Deed Document Number | 2005127311 |
| Deed Book / Page | 42346 / 677 |
| Prior Transfer Date | Apr 23, 2004 |
| Prior Transfer Doc | 0000401463 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WAYNE MI |
| Recording Date | Jul 20, 2026 |
| Property Address | 3812 HARDING ST, DEARBORN, MI 48124-3765 |
| Document Number | 0000233161 |
| Book / Page | 60412 / 1218 |
| Instrument Date | Jul 14, 2026 |
| Instrument | 2026233161 |
| Transaction Type | Mortgage |
| Record Updated | Oct 1, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 3812 HARDING ST, DEARBORN, MI 48124-3765 |
| Document Number | 0000233161, |
|---|---|
| Date | Jul 20, 2026 |
| Book Page | 60412/1218 |
| Instrument | 2026233161 |
| Name | ROCKET MORTGAGE LLC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Aug 1, 2046 |
| Rate Type | Fixed Rate |
|---|---|
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WAYNE MI |
| Property Address | 3812 HARDING ST, DEARBORN, MI 48124-3765 |
| Transaction Type | Mortgage |
| Record Updated | Feb 22, 2021 |
| Name | Verified Name |
|---|---|
| Address | 3812 HARDING ST, DEARBORN, MI 48124-3765 |
| Document Number | 0562601411 |
|---|---|
| Date | Dec 14, 2020 |
| Book Page | 56260/1411 |
| Instrument | 2021004222 |
| Name | QUICKEN LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jan 1, 2051 |
The 2025 property tax bill for 3812 Harding St was $2,723 with a homeowner's exemption.
Source: Wayne County assessment roll, as of September 15, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Wayne County |
| Municipality | Dearborn City |
| Unified School District | Dearborn City School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $96,500 | $193,000 | |
| 2025 | $2,723.00 | ||
| 2023 | $87,500 | $175,000 | |
| 2019 | $2,730.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3812 Harding St in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.
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 File 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.
The area around 3812 Harding St has no burnable land within ember reach, so its wildfire risk is not rated.
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.
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 |
| 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.
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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