20604 E River Rd, Grosse Ile, MI 48138 Property Records

Wayne County property record for 20604 E River Rd, Grosse Ile, MI 48138

Property Summary

Property Type	Single Family Home
Details	5.5 ba · 7,472 sqft · built 1994
Lot Size	1.57 acres (68,389 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,425,000 (Jul 2021)
Tax Bill	$35,801 (2025)
Deeds & Mortgages	Jan 2023 Second Mortgage Jul 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`73 012 01 0064 304`

Property Details

APN / Parcel Number

Primary APN	`73 012 01 0064 304`

Interior

Full Baths	5.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	7,472 sqft Living Area
1st Floor Area	2,934 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1994
Lot Area	68,389 sqft (1.57 acres)
Lot Dimensions	494 ft deep x 138 ft wide
Garage Area	1,318 sqft
Parking Spaces	5 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	20604 E RIVER RD
City	GROSSE ILE
State	MI
Zip	48138-1180
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1-A
Legal Description	550D64B2 THE ELY PT OF LOT 64 MEAS 500.00FT ON THE SOUTH LOT LINE AND MEAS 488.08FT ON THE NORTH LOT LINE SUPERVISOR'S GROSSE
Legal Subdivision	GROSSE ILE
Legal Lot Number	64
Jurisdiction	WAYNE MI
Township / Civil Division	GROSSE ILE
Census Block Group	2
Census Block	2003
Census Tract	596200

Owner

Source: Wayne County records, as of September 15, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	20604 E RIVER RD, GROSSE ILE, MI 48138-1180
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 9, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage DFCU FINANCIAL
Jul 14, 2021	Warranty Deed, Transfer · Conventional Mortgage MORTGAGE 1 INC
Jul 21, 2021	Intrafamily Transfer, Transfer MICHIGAN TITLE INSURANCE AGENCY INC, MICHIGAN TITLE INS AGCY INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 14, 2021 · Amount on Record
Deed Sale	Jul 14, 2021 · Amount on Record
Prior Sale	Dec 1, 2008 · Amount on Record
Deed Document Number	2021280789
Deed Book / Page	56877 / 1440
Prior Transfer Date	Jul 23, 2008
Prior Transfer Doc	0474030535
Record Updated	Oct 29, 2026

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WAYNE MI
Property Address	20604 E RIVER RD, GROSSE ILE, MI 48138-1180
Transaction Type	Mortgage
Record Updated	Feb 2, 2023
Title Company	DFCU TITLE AGENCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20604 E RIVER RD, GROSSE ILE, MI 48138-1180

Mortgage

Document Number	0580320189
Date	Jan 9, 2023
Book Page	58032/189
Instrument	2023007332

Lender

Name	DFCU FINANCIAL
Type	Credit Union
Address	DEARBORN, MI 48126

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Dec 31, 2032

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WAYNE MI
Recording Date	Jul 14, 2021
Property Address	20604 E RIVER RD, GROSSE ILE, MI 48138-1180
Document Number	0568771440
Book / Page	56877 / 1440
Map Reference	LB 63 PG 55
Instrument Date	Jul 9, 2021
Instrument	2021280789
Transaction Type	Transfer
Record Updated	Aug 3, 2021
Title Company	MICHIGAN TITLE INS AGCY INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$12,255.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	20604 E RIVER RD, 20604, GROSSE ILE, MI 48138-1180

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20604 E RIVER RD, GROSSE ILE, MI 48138-1180

Mortgage

Document Number	568771442
Date	Jul 14, 2021
Instrument	56877/1442

Lender

Name	MORTGAGE 1 INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2051

July 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	WAYNE MI
Recording Date	Jul 21, 2021
Property Address	20604 E RIVER RD, GROSSE ILE, MI 48138-1180
Document Number	0568950451
Book / Page	56895 / 451
Map Reference	LB 63 PG 55
Instrument Date	Jul 9, 2021
Instrument	2021287644
Transaction Type	Transfer
Record Updated	Aug 13, 2021
Title Company	MICHIGAN TITLE INSURANCE AGENCY INC, MICHIGAN TITLE INS AGCY INC

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20604 E RIVER RD, GROSSE ILE, MI 48138-1180

Tax Assessment & Valuation

Source: Wayne County assessment roll, as of September 15, 2026

Property Jurisdictions

Type	Name
State	Michigan
County	Wayne County
County Subdivision	Grosse Ile Township
Unified School District	Grosse Ile Township Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$905,300 (+0.8%)	$1,810,600 (+0.8%)
2025	$35,801.00 (+27.83%) Homeowner's exemption	$898,100 (+14.92%)	$1,796,200 (+14.92%)
2023		$781,500	$1,563,000
2021	$28,006.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

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
Nearby Flood Policies	2 in force
Nearby Flood Claims	1 (1990)
Most Recent Claim	Sep 1990 · tidal / storm surge

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

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

Wildfire Risk	Low lower than 96% of the US · lower than 91% of Michigan
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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	WYANDOTTE serves 25,883 people · EPA ID MI0007210
Water Source	Surface water
Last State Inspection	Feb 2025
Also Mapped Here	GROSSE ILE TOWNSHIP
Lead	7 ppb (2025) action level 15 ppb

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 127 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
WOW Internet, Cable & Phone Cable	1,200 / 50
Xfinity Cable	1,200 / 35
AT&T DSL	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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