523 E Main St, Hart, MI 49420 Property Records

Oceana County property record for 523 E Main St, Hart, MI 49420

Property Summary

Property Type	Single Family Home
Details	1,451 sqft · built 1945
Lot Size	0.34 acres (14,810 sqft)
Owner	Individual Name on Record
Last Sale	$215,000 (Jul 2026)
Tax Bill	$2,454 (2025)
Deeds & Mortgages	Jul 2026 Sale & Mortgage Feb 2022 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`020-147-008-00`

Property Details

APN / Parcel Number

Primary APN	`020-147-008-00`

Interior

Stories	1 Story
Building Area	1,451 sqft Gross Area
1st Floor Area	1,126 sqft
Basement Area	650 sqft

Exterior

Year Built	Built 1945
Effective Year Built	Effective 1945
Lot Area	14,810 sqft (0.34 acres)
Lot Dimensions	150 ft deep x 100 ft wide

Location & Zoning

Street Address	523 E MAIN ST
City	HART
State	MI
Zip	49420-1131
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CITY OF HART GURNEY ADDITION LOTS 8 & 9 & N 1/2 OF LOT 11 BLK 167. WD 2017/22566 WD-L2016P17950 WD-L2003P27921
Legal Subdivision	HART GURNEY ADDITION
Legal Block	167
Legal Lot Number	8-11
Jurisdiction	OCEANA MI
Township / Civil Division	HART
Census Block Group	3
Census Block	3018
Census Tract	10400

Owner

Source: Oceana County records, as of October 13, 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	2032 N 128TH AVE, HART, MI 49420-8252
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Sole Owner

Deeds, Mortgages & Sale History

Date	Document
Jul 20, 2026	Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Feb 3, 2022	Quit Claim Deed, Transfer · Conventional Mortgage MORTGAGE 1 INC
Aug 18, 2021	Warranty Deed, Transfer ARM TITLE AGENCY LLC, STAR TITLE AGENCY LLC
Nov 20, 2017	Warranty Deed, Transfer · Conventional Mortgage LAKE MICHIGAN CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 20, 2026 · Amount on Record
Deed Sale	Jul 20, 2026 · Amount on Record
Prior Sale	Feb 3, 2022 · Amount on Record
Prior Transfer Date	Jan 28, 2022
Record Updated	Oct 29, 2026

July 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	OCEANA MI
Recording Date	Jul 20, 2026
Property Address	523 E MAIN ST, HART, MI 49420-1131
Instrument Date	Jul 14, 2026
Transaction Type	Transfer
Record Updated	Oct 1, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Sole Owner
Address	2032 N 128TH AVE, HART, MI 49420-8252

Mortgage

Date	Jul 20, 2026

Lender

Name	UNITED WHOLESALE MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

February 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OCEANA MI
Recording Date	Feb 3, 2022
Property Address	523 E MAIN ST, HART, MI 49420-1131
Document Number	02022/2716
Book / Page	2022 / 2716
Map Reference	PG 35
Instrument Date	Jan 28, 2022
Instrument	202200000667
Transaction Type	Transfer
Record Updated	Apr 4, 2022

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3711 DAISY SPG, 3711, SAN ANTONIO, TX 78253-6712

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	523 E MAIN ST, HART, MI 49420-1131

Mortgage

Document Number	202200000668
Date	Feb 3, 2022
Instrument	202200000668

Lender

Name	MORTGAGE 1 INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2052

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OCEANA MI
Recording Date	Aug 18, 2021
Property Address	523 E MAIN ST, HART, MI 49420-1131
Document Number	2021/21897
Book / Page	2021 / 21897
Instrument Date	Jul 22, 2021
Instrument	202100005844
Transaction Type	Transfer
Record Updated	Dec 27, 2021
Title Company	ARM TITLE AGENCY LLC, STAR TITLE AGENCY LLC

Transaction

Amount	Amount Recorded
Tax	$1,513.60
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	523 E MAIN ST, 523, HART, MI 49420-1131

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	8627 9TH AVE SE, OLYMPIA, WA 98513-2027

November 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OCEANA MI
Recording Date	Nov 20, 2017
Property Address	523 E MAIN ST, HART, MI 49420-1131
Document Number	2017/022566
Book / Page	2017 / 022566
Instrument Date	Nov 20, 2017
Instrument	201700006794
Transaction Type	Transfer
Record Updated	Dec 27, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$731.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	523 E MAIN ST, 523, HART, MI 49420-1131

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	416 E JEFFERSON ST, HART, MI 49420-1333

Mortgage

Document Number	201700006795
Date	Nov 20, 2017
Instrument	201700006795

Lender

Name	LAKE MICHIGAN CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2047

Tax Assessment & Valuation

Source: Oceana County assessment roll, as of October 13, 2026

Property Jurisdictions

Type	Name
State	Michigan
County	Oceana County
Municipality	Hart City
Unified School District	Hart Public School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$98,000 (+39.2%) Building $98,000	$196,000 (+39.2%) Building $196,000
2025	$2,454.00 Homeowner's exemption	$70,400 (+16.94%) Building $70,400	$140,800 (+16.94%) Building $140,800
2023		$60,200 Building $60,200	$120,400 (-) Building $120,400
2022			$120,400

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 August 23, 2021

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · above 51% of Michigan
Wildfire Likelihood	0.01% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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	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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 281 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

Nearby Properties on E Main St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures