Oceana County property record for 3909 Melody Ln, Hart, MI 49420
| Property Type | Single Family Home |
|---|---|
| Lot Size | 0.37 acres (16,117 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $3,870 (2025) |
| Deeds & Mortgages | Jun 2023 Mortgage Aug 2018 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 007-550-040-00 |
| Primary APN | 007-550-040-00 |
|---|
| Lot Area | 16,117 sqft (0.37 acres) |
|---|
| Street Address | 3909 MELODY LN |
|---|---|
| City | HART |
| State | MI |
| Zip | 49420-9541 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 40 |
| Legal Subdivision | MEADOWBROOK SUBDIVISION |
| Legal Lot Number | 40 |
| Jurisdiction | OCEANA MI |
| Township / Civil Division | HART |
| Census Block Group | 2 |
| Census Block | 2038 |
| Census Tract | 10400 |
3909 Melody Ln is owned and occupied by an individual who acquired it in May 2002.
Source: Oceana County records, as of October 13, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 1118 S OCEANA DR, SHELBY, MI 49455-9634 |
| 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 |
|---|---|
| Jun 1, 2023 | Warranty Deed, Transfer · Conventional Mortgage THE SHELBY STATE BANK |
| Aug 1, 2018 | Warranty Deed, Transfer · Conventional Mortgage CHEMICAL BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 2, 2002 |
| Deed Sale | May 2, 2002 |
| Prior Sale | Nov 1, 1995 · Amount on File |
| Deed Book / Page | 2002 / 13713 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OCEANA MI |
| Recording Date | Jun 1, 2023 |
| Property Address | 3909 MELODY LN, HART, MI 49420-9541 |
| Document Number | 02023/9369 |
| Book / Page | 2023 / 9369 |
| Instrument Date | May 31, 2023 |
| Instrument | 202300002738 |
| Transaction Type | Transfer |
| Record Updated | Jul 24, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3909 MELODY LN, HART, MI 49420-9541 |
| Name | Verified Name |
|---|---|
| Address | 1118 S OCEANA DR, SHELBY, MI 49455-9634 |
| Document Number | 202300002739 |
|---|---|
| Date | Jun 1, 2023 |
| Instrument | 202300002739 |
| Name | THE SHELBY STATE BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 1, 2053 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OCEANA MI |
| Recording Date | Aug 1, 2018 |
| Property Address | 3909 MELODY LN, HART, MI 49420-9541 |
| Document Number | 2018/014003 |
| Book / Page | 2018 / 014003 |
| Instrument Date | Aug 1, 2018 |
| Instrument | 201800004387 |
| Transaction Type | Transfer |
| Record Updated | May 11, 2021 |
| Title Company | OCEANA LAND TITLE AGENCY, OCEANA LAND TITLE AGENCY INC |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 4 LINCOLN ST, 4, HART, MI 49420-1136 |
| Name | Verified Name |
|---|---|
| Address | 4262 ILLINOIS AVE SW, WYOMING, MI 49509-4451 |
| Document Number | 201800004388 |
|---|---|
| Date | Aug 1, 2018 |
| Instrument | 201800004388 |
| Name | CHEMICAL BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Sep 1, 2048 |
The 2025 property tax bill for 3909 Melody Ln was $3,870 with a homeowner's exemption, up 0.7% from the year before.
Source: Oceana County assessment roll, as of October 13, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Oceana County |
| County Subdivision | Hart Township |
| Unified School District | Hart Public School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $143,200 (+9.4%) Land $143,200 | $286,400 (+9.4%) Land $286,400 | |
| 2025 | $3,870.00 (+0.73%) Homeowner's exemption | $130,900 Land $130,900 | $261,800 Land $261,800 |
| 2024 | $3,842.00 | ||
| 2023 | $100,000 Land $100,000 | $200,000 (-) Land $200,000 | |
| 2022 | $2,161.00 | $200,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3909 Melody Ln in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective August 23, 2021
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Wildfire risk around 3909 Melody Ln is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 98% of the US · lower than 95% of Michigan |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond 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 | HART serves 2,126 people · EPA ID MI0003060 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Apr 2025 |
| Lead | 3 ppb (2022–2024) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 2 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. The service area is an EPA estimate; the actual supplier may differ.
Source: FCC Broadband Data Collection, based on 68 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Frontier Fiber | 7,000 / 7,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
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