Under Contract
523 E Main Street, Hart, MI 49420
$209,000
MLS # 26013706 (Michigan Regional Information Center (MichRIC))
4 beds3 baths1,975 sqftBuilt 19050.29 acres
1 / 26
Listing Description
Just two blocks from downtown Hart, this charming home sits on a spacious corner lot with room to enjoy. The fenced-in backyard is perfect for relaxing or entertaining, featuring a fire pit, raised garden beds, a 25' enclosed dog run, and an 18x20 outbuilding, plus ample parking. Inside, the open-flow main living area feels warm and inviting, with high ceilings and original wood details, including a beautiful sweeping staircase that adds timeless character. The home offers four spacious bedrooms, including a nursery with direct access from the primary, along with two half baths and a newly renovated full bath. A bright sunroom provides additional living space filled with natural light. Located directly across from John Gurney Park, you'll enjoy easy access to walking trails, a playground, and water access just steps from your door.
Source: SparkMLS
About this home
This 4-bedroom, 3-bath, 1,975 sq ft home built in 1905 sits in Hart in Hart.
Currently offered at $209,000 (about $106/sq ft).
Estimated annual property tax: $3,387, or about $282 monthly. Tax figure is from the MLS listing record; verify with the county treasurer for the most current amount.
Electric service is provided by City of Hart; natural gas by DTE Gas Company.
Listing Property Details
Property TypeResidential
Property SubtypeSingle Family Residence
Bedrooms4
Bathrooms3
Living Area1,975 sqft
Lot Size0.29 acres
Year Built1905
Stories2
Location
CityHart
MunicipalityHart
Zip Code49420
CountyOceana
School DistrictHart
Construction & Systems
StyleTraditional
ConstructionVinyl Siding
BasementMichigan Basement, Partial
HeatingForced Air
WaterPublic
SewerPublic
UtilitiesPhone Available, Natural Gas Available, Electricity Available, Cable Available, Natural Gas Connected
InteriorEat-in Kitchen, Pantry
Sale & Financing
Listed4/5/2026
Terms AcceptedCash, FHA, VA Loan, Conventional
Source: SparkMLS
Tax Information
Annual Tax$3,387
Tax Year2025
Assessed Value$59,334
Parcel #64-020-147-008-00
Source: SparkMLS
Legal Description
CITY OF HART GURNEY ADDITION LOTS 8 & 9 & N 1/2 OF LOT 11 BLK 167.
Property Records
FEMA Flood Zone: Zone X — Minimal flood risk
Source: FEMA NFHLUSDA Rural Development: Eligible — 0% Down Payment Available
Verify eligibility at USDAListed by Evelyn Vinke
Five Star Real Estate - Hart
Frequently Asked Questions about 523 E Main Street, Hart, MI 49420
What school district is 523 E Main Street, Hart, MI 49420 in?
Per MLS# 26013706, this property is served by Hart. In Michigan, school district boundaries are set by the state and do not always follow city limits.
Can I use FHA or VA financing for this property?
Per MLS# 26013706, the seller has indicated this property accepts the following financing types: Cash, FHA, VA Loan, Conventional. FHA financing can offer lower down payment requirements for qualified buyers. Financing acceptance is subject to change — confirm with the listing agent.
How much are property taxes for this home?
Per MLS# 26013706, the most recent reported annual property tax for 523 E Main Street, Hart, MI 49420 is $3,387 (2025). Michigan property taxes are based on a property's taxable value multiplied by the local millage rate. Primary residences qualify for a homestead exemption that lowers the rate.
Is 523 E Main Street, Hart, MI 49420 eligible for USDA financing?
Per USDA boundary maps, this property is located in a USDA-eligible area, which means qualified buyers may be able to finance with 0% down through the USDA Rural Development program. Confirm current eligibility directly with USDA.
What is the FEMA flood zone designation for this property?
Per FEMA's National Flood Hazard Layer, 523 E Main Street, Hart, MI 49420 is in flood zone X (minimal risk). Flood insurance is not typically required in this zone but may still be advisable. FEMA flood maps are updated periodically — verify the current designation at msc.fema.gov.
Who are the utility providers for this property?
Per Michigan Public Service Commission service territory data: Electric: City of Hart. Gas: DTE Gas Company. Sewer: Public. Water: Public. Confirm service details directly with providers.
How safe is this area?
For crime and public safety data, we recommend inquiring directly with the Hart police department or the Oceana County sheriff's office.
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Monthly payment$1,356
Principal & interest$1,356
Estimate only. Does not include PMI or other fees. Consult a lender for exact rates.
Utilities
City of Hart
Municipal
DTE Gas Company
Investor-Owned
MI Public Service Commission service territory boundaries.
Property
523 E Main Street, Hart, MI 49420
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Municipality
Hart
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