Wayne County property record for 13435 Gerald St, Gibraltar, MI 48173
| Property Type | Bungalow |
|---|---|
| Details | 1 ba · 1,055 sqft · built 1944 |
| Lot Size | 0.26 acres (11,326 sqft) |
| Owner | Individual Name on File |
| Last Sale | $59,000 (Mar 2022) |
| Tax Bill | $2,579 (2025) |
| Deeds & Mortgages | Feb 2023 Mortgage Mar 2022 Transfer + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 36 018 01 0363 300 |
| Primary APN | 36 018 01 0363 300 |
|---|
| Full Baths | 1 Bath |
|---|---|
| Stories | 1 Story |
| Building Area | 1,055 sqft Living Area |
| 1st Floor Area | 844 sqft |
| Basement Area | 832 sqft |
| Unfinished Basement | 832 sqft |
| Year Built | Built 1944 |
|---|---|
| Effective Year Built | Effective 1944 |
| Architectural Style | Bungalow |
| Exterior Material | Wood Siding |
| Lot Area | 11,326 sqft (0.26 acres) |
| Lot Dimensions | 125 ft deep x 125 ft wide |
| Garage Area | 780 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Porch |
| Porch Area | 154 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Street Address | 13435 GERALD ST |
|---|---|
| City | GIBRALTAR |
| State | MI |
| Zip | 48173-9543 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Bungalow |
| Local Zoning Code | RESIDE |
| Legal Description | 01C 363,364,365 T5S THE W'LY 8 FT OF LOT 363 AND LOTS 364 & 365 HALLS GIBRALTAR SUB PC 54 T5S R10E L54 P35, 36 WCR |
| Legal Subdivision | HALLS GIBRALTAR |
| Legal Lot Number | 363-365 |
| Jurisdiction | WAYNE MI |
| Township / Civil Division | GIBRALTAR |
| Census Block Group | 2 |
| Census Block | 2014 |
| Census Tract | 597000 |
13435 Gerald St, a bungalow, is owned and occupied by an individual who bought it in March 2022.
Source: Wayne County records, as of September 15, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 13435 GERALD ST, GIBRALTAR, MI 48173-9543 |
| 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 |
|---|---|
| Feb 15, 2023 | Deed of Trust, Mortgage · Conventional Mortgage LOC FCU |
| Mar 18, 2022 | Intrafamily Transfer, Transfer AMROCK INC, AMROCK LLC |
| Mar 18, 2022 | Warranty Deed, Transfer · FHA Mortgage ROCKET MORTGAGE LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 18, 2022 · Amount on File |
| Deed Sale | Mar 18, 2022 · Amount on File |
| Prior Sale | Jan 4, 2011 · Amount on File |
| Deed Document Number | 202271164 |
| Deed Book / Page | 57474 / 1339 |
| Prior Transfer Date | Feb 23, 2022 |
| Prior Transfer Doc | 0574741341 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WAYNE MI |
| Property Address | 13435 GERALD ST, GIBRALTAR, MI 48173-9543 |
| Transaction Type | Mortgage |
| Record Updated | Jun 15, 2023 |
| Name | Verified Name |
|---|---|
| Address | 13435 GERALD ST, GIBRALTAR, MI 48173-9543 |
| Document Number | 0580821322 |
|---|---|
| Date | Feb 15, 2023 |
| Book Page | 58082/1322 |
| Instrument | 2023031449 |
| Name | LOC FCU |
|---|---|
| Type | Credit Union |
| Address | FARMINGTON, MI 48336 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Mar 1, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.87% |
| Type Change Date | Mar 1, 2030 |
| Change Frequency | Annually |
| Min Rate At Change | 5.87% |
| Max Rate At Change | 8.87% |
| Index | 1-Year T-Bill |
| Max Rate | 10.8% |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | WAYNE MI |
| Recording Date | Mar 18, 2022 |
| Property Address | 13435 GERALD ST, GIBRALTAR, MI 48173-9543 |
| Document Number | 0574741341 |
| Book / Page | 57474 / 1341 |
| Map Reference | LB 54 PG 35 |
| Instrument Date | Feb 23, 2022 |
| Instrument | 2022071165 |
| Transaction Type | Transfer |
| Record Updated | Oct 10, 2023 |
| Title Company | AMROCK INC, AMROCK LLC |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 13435 GERALD ST, GIBRALTAR, MI 48173-9543 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WAYNE MI |
| Recording Date | Mar 18, 2022 |
| Property Address | 13435 GERALD ST, GIBRALTAR, MI 48173-9543 |
| Document Number | 0574741339 |
| Book / Page | 57474 / 1339 |
| Map Reference | LB 54 PG 35&36 |
| Instrument Date | Feb 16, 2022 |
| Instrument | 2022071164 |
| Transaction Type | Transfer |
| Record Updated | Jun 15, 2023 |
| Title Company | AMROCK INC, AMROCK LLC |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $442.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 13620 BAYVIEW DRIVE, ROCKWOOD, MI 48173 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 13435 GERALD ST, GIBRALTAR, MI 48173-9543 |
| Document Number | 0574741345 |
|---|---|
| Date | Mar 18, 2022 |
| Instrument | 57474/1345 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Mar 1, 2052 |
The 2025 property tax bill for 13435 Gerald St was $2,579 with a homeowner's exemption.
Source: Wayne County assessment roll, as of September 15, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Wayne County |
| Municipality | Gibraltar City |
| Unified School District | Gibraltar School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $101,500 (+4.42%) | $203,000 (+4.42%) | |
| 2025 | $2,579.00 Homeowner's exemption | $97,200 | $194,400 |
| 2023 | $82,000 | $164,000 | |
| 2020 | $2,121.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 13435 Gerald St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
Source: FEMA National Flood Hazard Layer, effective May 25, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 64 policies |
| Community Rating System | Class 8 (10% premium discount) |
| Nearby Flood Policies | 64 in force |
| Nearby Flood Claims | 251 (1980–2023) |
| Claims Outside the SFHA | 37 of 251 |
| Most Recent Claim | Aug 2023 · Severe Storms, Tornadoes, And Flooding |
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.
The area around 13435 Gerald St has no burnable land within ember reach, so its wildfire risk is not rated.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within 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 | GIBRALTAR serves 4,997 people · EPA ID MI0002630 |
|---|---|
| Water Source | Purchased surface water from GREAT LAKES WATER AUTHORITY |
| Lead | 4 ppb (2025) 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 512 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · DSL | 5,000 / 5,000 |
| Xfinity Cable | 2,000 / 250 |
| WOW Internet, Cable & Phone Cable | 1,200 / 50 |
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