3845 Harding St, Dearborn, MI 48124 Property Records

Wayne County property record for 3845 Harding St, Dearborn, MI 48124

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,272 sqft · built 1950
Lot Size	0.14 acres (6,098 sqft)
Owner	Individual Name on Record
Last Sale	$240,000 (Aug 2023)
Tax Bill	$5,000 (2025)
Deeds & Mortgages	Aug 2023 Sale & Mortgage Apr 2022 Line of Credit
Flood Zone	Zone AE (high risk)
APN	`82-09-341-29-009`

Property Details

APN / Parcel Number

Primary APN	`82-09-341-29-009`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,272 sqft Living Area
1st Floor Area	904 sqft
Basement Area	736 sqft
Unfinished Basement	736 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1950
Exterior Material	Aluminum/Vinyl
Lot Area	6,098 sqft (0.14 acres)
Lot Dimensions	154 ft deep x 40 ft wide
Garage Area	550 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	3845 HARDING ST
City	DEARBORN
State	MI
Zip	48124-3766
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA
Legal Description	LOT 208 INCLUDING HALF OF THE VACATED ALLEY IN THE REAR THEREOF FORDSON HEIGHTS SUB
Legal Subdivision	FORDSON HEIGHTS
Legal Lot Number	208
Jurisdiction	WAYNE MI
Township / Civil Division	DEARBORN
Census Block Group	1
Census Block	1015
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	3845 HARDING ST, DEARBORN, MI 48124-3766
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 10, 2023	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Apr 13, 2022	Deed of Trust, Mortgage · Line of Credit COMERICA BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 10, 2023 · Amount on Record
Deed Sale	Aug 10, 2023 · Amount on Record
Deed Document Number	2023219507
Deed Book / Page	58399 / 774
Prior Transfer Date	Apr 6, 2006
Prior Transfer Doc	0447820824
Record Updated	Oct 29, 2026

August 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WAYNE MI
Recording Date	Aug 10, 2023
Property Address	3845 HARDING ST, DEARBORN, MI 48124-3766
Document Number	0583990774
Book / Page	58399 / 774
Map Reference	LB 40 PG 6
Instrument Date	Aug 4, 2023
Instrument	2023219507
Transaction Type	Transfer
Record Updated	Aug 31, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,800.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3845 HARDING ST, DEARBORN, MI 48124-3766

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3845 HARDING ST, DEARBORN, MI 48124-3766

Mortgage

Document Number	2023219508
Date	Aug 10, 2023
Instrument	2023219508

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

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

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WAYNE MI
Property Address	3845 HARDING ST, DEARBORN, MI 48124-3766
Transaction Type	Mortgage
Record Updated	May 10, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3845 HARDING ST, DEARBORN, MI 48124-3766

Mortgage

Document Number	0575640838
Date	Apr 13, 2022
Book Page	57564/838
Instrument	2022152720

Lender

Name	COMERICA BANK
Type	Bank
Address	DALLAS, TX 75201

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Apr 9, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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		$106,200 (+4.53%)	$212,400 (+4.53%)
2025	$5,000.00 (+87.27%) Homeowner's exemption	$101,600 (+18.69%)	$203,200 (+18.69%)
2023		$85,600 (+14.29%)	$171,200 (+14.29%)
2022		$74,900	$149,800
2019	$2,670.00

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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