Ingham County property record for 4990 Harper Rd, Holt, MI 48842
| Property Type | Manufactured or Modular Home |
|---|---|
| Details | 3 bd · 2 ba · 1,800 sqft · built 2008 |
| Lot Size | 5.37 acres (234,179 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $4,654 (2025) |
| Deeds & Mortgages | Dec 2021 Reverse Mortgage Apr 2018 Reverse Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 33-25-05-27-100-012 |
| Primary APN | 33-25-05-27-100-012 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Building Area | 1,800 sqft Living Area |
| 1st Floor Area | 1,800 sqft |
| Basement Area | 1,800 sqft |
| Unfinished Basement | 1,800 sqft |
| Flooring | Vinyl/Resilient |
| Year Built | Built 2008 |
|---|---|
| Effective Year Built | Effective 2008 |
| Architectural Style | Modular |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Foundation Type | Concrete |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 234,179 sqft (5.37 acres) |
| Lot Dimensions | 530 ft deep x 382 ft wide |
| Garage Type | Detached |
| Garage Area | 568 sqft |
| Porch | Slab |
| Porch Area | 244 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 4990 HARPER RD |
|---|---|
| City | HOLT |
| State | MI |
| Zip | 48842-8648 |
| Property Category | Residential |
| Property Type | Residential > Prefabricated > Manufactured or Modular Home |
| Local Zoning Code | NOT APP |
| Legal Description | (D 27-5-9) BEG AT W 1/4 COR OF SEC 27, TH N ON W SEC LN 415.85 FT, TH E PLL TO N SEC LN 563.15 FT, TH S PLL TO W SEC LN |
| Legal Range | 02W |
| Legal Township | 03N |
| Legal Section | 27 |
| Jurisdiction | INGHAM MI |
| Township / Civil Division | DELHI |
| Census Block Group | 4 |
| Census Block | 4000 |
| Census Tract | 5501 |
4990 Harper Rd, a residential property, is owned and occupied by two individuals who acquired it in November 2021.
Source: Ingham County records, as of October 6, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 4990 HARPER RD, HOLT, MI 48842-8648 |
| 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 |
|---|---|
| Dec 2, 2021 | Intrafamily Transfer, Transfer · Reverse Mortgage PHH MORTGAGE SERVICES CORP |
| Apr 10, 2018 | Deed of Trust, Mortgage · Reverse Mortgage TOP FLITE FINANCIAL INC |
| Apr 2, 2018 | Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | Nov 12, 2021 |
| Transfer Doc | 0000050883 |
| Record Updated | Oct 29, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | INGHAM MI |
| Recording Date | Dec 2, 2021 |
| Property Address | 4990 HARPER RD, HOLT, MI 48842-8648 |
| Document Number | 0000050883 |
| Instrument Date | Nov 12, 2021 |
| Instrument | 2021-050883 |
| Transaction Type | Transfer |
| Record Updated | Apr 17, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 4990 HARPER RD, HOLT, MI 48842-8648 |
| Document Number | 0000050884 |
|---|---|
| Date | Dec 2, 2021 |
| Instrument | 2021-050884 |
| Name | PHH MORTGAGE SERVICES CORP |
|---|---|
| Type | Mortgage Company |
| Type | Reverse Mortgage |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 1.9% |
| Change Frequency | Annually |
| Index | 1-Year CMT |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | INGHAM MI |
| Property Address | 4990 HARPER RD, HOLT, MI 48842-8648 |
| Transaction Type | Mortgage |
| Record Updated | Feb 7, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000013585 |
|---|---|
| Date | Apr 10, 2018 |
| Instrument | 2018-013585 |
| Name | TOP FLITE FINANCIAL INC |
|---|---|
| Type | Mortgage Company |
| Address | WINN, MI 48896 |
| Type | Reverse Mortgage |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.41% |
| Type Change Date | May 1, 2019 |
| Change Frequency | Annually |
| Min Rate At Change | 2% |
| Index | 1-Year LIBOR |
| Max Rate | 5% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | INGHAM MI |
| Property Address | 4990 HARPER RD, HOLT, MI 48842-8648 |
| Document Number | 0000015232 |
| Instrument Date | Apr 2, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Jan 14, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 4990 HARPER RD HOLT MI 488428648, HOLT, MI 48842-8648 |
| Document Number | 0000015232 |
|---|---|
| Date | Apr 23, 2018 |
| Instrument | 15232 |
| Name | HUD-HOUSING/URBAN DEV |
|---|---|
| Address | WASHINGTON, DC 20410 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 1044 Months |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.04% |
The 2025 property tax bill for 4990 Harper Rd was $4,654 with a homeowner's exemption, up % from the year before.
Source: Ingham County assessment roll, as of October 6, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Ingham County |
| County Subdivision | Delhi Charter Township |
| Unified School District | Holt Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $113,300 (+3.09%) Land $38,500 Building $74,800 | $226,600 (+3.09%) Land $77,000 Building $149,600 | |
| 2025 | $4,654.00 (+0.02%) Homeowner's exemption | $109,900 Land $37,900 Building $72,000 | $219,800 Land $75,800 Building $144,000 |
| 2024 | $4,653.00 | ||
| 2023 | $102,600 Land $37,900 Building $64,700 | $205,200 Land $75,800 Building $129,400 | |
| 2022 | $4,230.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 4990 Harper Rd in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective July 2, 2023 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 1 in force |
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 risk around 4990 Harper Rd 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 94% of the US · lower than 85% of Michigan |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | Direct burnable vegetation |
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 | LANSING BOARD OF WATER & LIGHT serves 166,000 people · EPA ID MI0003760 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Oct 2023 |
| Lead | Under 1 ppb (2024–2026) 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. The service area is an EPA estimate; the actual supplier may differ.
Source: FCC Broadband Data Collection, based on 24 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| Starlink Satellite | 280 / 30 |
| AT&T DSL | 100 / 20 |
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