Garden Township occupies much of the Garden Peninsula in Delta County, Upper Peninsula, a slim finger of land reaching south between Big Bay de Noc and Lake Michigan. It's a quiet rural township of small communities, woods, and shoreline, with the village of Garden at its heart and a long view of the water from almost everywhere.
At a glance
State millage data currently shows about 26 to 32.7 mills for a primary home. 2 school districts cover the community, so the parcel and PRE status decide the final bill.
Practical directory
Common home and paperwork paths
Start with the Michigan guide that matches the job. For a parcel, bill, permit, or recorded document in Garden Township, confirm the final answer with the local or county office shown farther down this page.
- Delinquent property tax Get help before the redemption date Find the foreclosing unit, exact payoff, assistance programs, counseling, and legal-help paths.
- Utility shutoff or past-due bill Work the utility-help sequence Call the provider, apply for emergency relief, use 2-1-1, and ask about household protections.
- Essential home repair Find repair or weatherization help Match the repair, household, service area, and rural status to programs that may actually fit.
- Home and estate Handle a home after someone dies Keep the property stable, find the deed and authority to act, and choose the right estate or title path.
- Manufactured home Transfer or repair the home title Start with the Secretary of State path for a sale, missing title, lien, or legal affixture to land.
- Buying rural or waterfront land Check the parcel before closing Work through access, survey, buildability, well, septic, wetlands, title, and local office checks.
Who handles what
Send the question to the right office
Start local for a parcel, tax bill, permit, or housing rule. Move to the county or a district when the record or service covers more than one community.
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Assessment, PRE, current tax bill, or Board of Review
Garden Township assessor or treasurer
Start with the Garden Township office shown on the assessment notice or tax bill. The assessor handles value and exemptions; the treasurer handles the current summer or winter bill.
Michigan property-tax basics -
Rental registration, building permit, or code problem
Garden Township building, rental, or code office
The enforcing agency can be the municipality, county, or state, and electrical, mechanical, and plumbing work may go to different places.
Find the official permit jurisdiction ↗ Michigan homeowner guide -
Marriage license, local record, deed, or delinquent tax
Delta County offices
The clerk, register of deeds, and county treasurer handle different parts of this work. The county page separates them for you.
Open the official Delta County site ↗ Getting married in Michigan -
Private well, septic system, local health, or trial court
County, district, or court finder
A health district or court can serve more than one community. The county page links to the official statewide finders.
Find the local health department ↗ Michigan well and septic guide
The practical stuff
Buying, owning, or selling in Garden Township
The seller's tax bill may not be your tax bill.
2025 property-tax snapshot
- Primary home (PRE)
- 26.0413 mills - 32.6981 mills
- Other property / non-homestead
- 44.0413 mills - 50.6981 mills
- School districts available
- 2 in Garden Township
One mill means $1 per $1,000 of Taxable Value. Rate rows come from the official 2025 Michigan Treasury report. Last reviewed July 12, 2026.
What these local words mean
- Primary home (PRE)
- A home you own and live in as your main home. PRE stands for Principal Residence Exemption and can lower the school operating tax.
- Non-homestead
- Property that is not treated as the owner's main home, such as a rental, vacation home, or second home.
- Assessor
- The local office that estimates and records property values and exemptions.
- Treasurer
- The local office that collects property tax payments and can confirm bill timing.
Michigan homebuyer tax calculator
See the tax bill after you buy.
Where is the house?
Pick the county, city or township, and school district. We use the official 2025 tax rates published by Michigan Treasury.
Not sure of the school district? Check the property listing. It is usually under "Schools."
Need to double-check the exact parcel? Use the official state estimator at treas-secure.state.mi.us/ptestimator or call the local treasurer. Rates can change across city, township, village, and school district lines, so the exact parcel matters.
Why a buyer's property-tax bill can change after a sale
In Michigan, property tax isn't figured on what you paid — it's figured on the home's Taxable Value, with the local millage rates applied to that number. While one owner keeps the home, Proposal A caps how fast that Taxable Value can climb. When the home sells, the cap usually comes off — this is called uncapping — and the Taxable Value resets toward the State Equalized Value, or SEV, which tends to run about half of a home's market value.
That reset is the part that catches buyers: a longtime owner may have been paying on an old, capped number, so the year after you buy, yours can jump to the new one — and your first full-year bill can land well above what the seller was paying. In Garden Township, your rate can vary by parcel. The school district tied to the property matters, and 2 school districts cover Garden Township. For a primary home with PRE, Michigan's main-home exemption, rates currently run about 26 to 32.7 mills. Without PRE, non-homestead rates run about 44 to 50.7 mills. The calculator above turns those local rates into your actual number.
If this will be your main home, make sure that PRE is filed with the local assessor — it can lift up to 18 school-operating mills off the bill. Rentals, vacation homes, and second homes stay on the higher non-homestead rate.
The tax reset is the big one, but it isn't the whole checklist. Out here, a home beyond city water and sewer usually comes with a private well and septic system worth testing before you close. It's also worth checking whether the address sits in a floodplain, and whether you'll owe a city income tax where you live or work. The buying-a-home guide walks through the rest.
School districts in this area
Big Bay De Noc School
Primary home (PRE) 26.0413 mills · non-homestead 44.0413 mills
Big Bay De Noc School (Village of Garden)
Primary home (PRE) 32.6981 mills · non-homestead 50.6981 mills
Local rules and costs to check
Note-sized practical catches tied to Garden Township: taxes, property rules, permits, local costs, or other things worth checking before you decide.
Local check
What to know about well and septic in Delta County
Outside Escanaba and Gladstone, most of Delta County is on private well and septic. Michigan has no statewide septic code, and the local health department doesn't require an inspection when a property is sold -- though it can evaluate a system if you ask.
Local check
Buying in a township? Watch for special assessments on top of your taxes
Michigan township buyers should check for special assessments that can add separate road, sewer, water, lighting, sidewalk, or drain charges.
Local check
In Michigan, you get two property-tax bills a year — not one
Most Michigan property owners get separate summer and winter tax bills, with local rules deciding what lands on each bill.
Stories & local context
Get to know Garden Township
Homes out here typically use private wells and septic systems, so it pays to understand both before buying. Township parcels can also carry special assessments for local services on top of regular taxes, and Michigan sends those taxes in two bills a year, summer and winter. The notes below cover the specifics.
Featured local story
The French fishing villages at the end of the Garden Peninsula
Sac Bay and Fairport, at the tip of the Garden Peninsula, were settled in the 1850s by French fishermen who left the offshore islands for the mainland to work the Bays de Noc.
Read the story →-
A Whole 1800s Town, Frozen in Time on a Lake Michigan Cliff
An entire 1800s iron-smelting company town on the remote Garden Peninsula, abandoned in 1891 and so well-preserved it's one of America's best ghost towns.
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Fayette: the ghost town Delta County kept perfect
Delta County's Garden Peninsula holds Fayette Historic State Park — a complete 1880s iron-smelting town preserved on a white-cliffed harbor.
Nearby places
The closest Michigan Porch pages to Garden Township. Open one to read it, or put it side by side with Garden Township — tax rates, school districts, and city income tax.
Compare Garden Township with a neighbor →Next steps
What to check next for Garden Township
Use the county office map for records and services, or follow the home path that matches what you are doing now.
- County Open Delta County See the county page for other cities, townships, villages, local notes, and the county-wide tax snapshot. Open county page →
- Homeowner Keep the house on track Use one calm directory for tax notices, insurance, contractors, permits, records, and repairs. Open homeowner guide →
- Seller Plan the Michigan closing Walk through disclosure, title, transfer tax, PRE rescission, and the records worth keeping. Open seller guide →
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