22045 Madison St, Dearborn, MI 48124 Property Records

Wayne County property record for 22045 Madison St, Dearborn, MI 48124

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,156 sqft · built 1943
Lot Size	0.12 acres (5,227 sqft)
Owner	Individual Name on File
Last Sale	$110,000 (Aug 2014)
Tax Bill	$3,250 (2025)
Deeds & Mortgages	Jun 2026 Mortgage Apr 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`82-09-284-08-001`

Property Details

APN / Parcel Number

Primary APN	`82-09-284-08-001`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,156 sqft Living Area
1st Floor Area	793 sqft
Basement Area	793 sqft
Finished Basement	793 sqft
Unfinished Basement	793 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1943
Effective Year Built	Effective 1943
Exterior Material	Brick
Construction Type	Frame
Lot Area	5,227 sqft (0.12 acres)
Lot Dimensions	118 ft deep x 45 ft wide
Garage Area	308 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	22045 MADISON ST
City	DEARBORN
State	MI
Zip	48124-3603
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA
Legal Description	LOT 61 MONROE BOULEVARD SUB
Legal Subdivision	MONROE BOULEVARD
Legal Lot Number	61
Jurisdiction	WAYNE MI
Township / Civil Division	DEARBORN
Census Block Group	1
Census Block	1000
Census Tract	575300

Owner

22045 Madison St is owned and occupied by an individual who bought it in August 2014.

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	22045 MADISON ST, DEARBORN, MI 48124-3603
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 12, 2026	Deed of Trust, Mortgage · FHA Mortgage ROCKET MORTGAGE LLC
Apr 7, 2021	Deed of Trust, Mortgage · Conventional Mortgage HOMESTEAD FUNDING CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 8, 2014 · Amount on File
Deed Sale	Aug 8, 2014 · Amount on File
Prior Sale	Nov 6, 2013 · Amount on File
Deed Document Number	2014337464
Deed Book / Page	51684 / 800
Prior Transfer Date	Feb 8, 2010
Prior Transfer Doc	0485370832
Record Updated	Oct 29, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WAYNE MI
Recording Date	Jun 12, 2026
Property Address	22045 MADISON ST, DEARBORN, MI 48124-3603
Document Number	0000204137
Book / Page	60341 / 473
Instrument Date	Jun 8, 2026
Instrument	2026204137
Transaction Type	Mortgage
Record Updated	Aug 19, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	22045 MADISON ST, DEARBORN, MI 48124-3603

Mortgage

Document Number	0000204137,
Date	Jun 12, 2026
Book Page	60341/473
Instrument	2026204137

Lender

Name	ROCKET MORTGAGE LLC

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	6.63%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WAYNE MI
Property Address	22045 MADISON ST, DEARBORN, MI 48124-3603
Transaction Type	Mortgage
Record Updated	May 4, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	22045 MADISON ST, DEARBORN, MI 48124-3603

Mortgage

Document Number	0566150324
Date	Apr 7, 2021
Book Page	56615/324
Instrument	2021177691

Lender

Name	HOMESTEAD FUNDING CORP
Type	Mortgage Company
Address	ALBANY, NY 12205

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 22045 Madison St was $3,250 with a homeowner's exemption.

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

Property Jurisdictions

Type	Name
State	Michigan
County	Wayne County
Municipality	Dearborn City
Unified School District	Dearborn City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$106,100 (+12.51%)	$212,200 (+12.51%)
2025	$3,250.00 Homeowner's exemption	$94,300	$188,600
2023		$68,200	$136,400
2019	$2,363.00

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

Flood

FEMA maps place 22045 Madison 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 47 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	47 in force
Nearby Flood Claims	23 (2003–2023)
Claims Outside the SFHA	3 of 23
Most Recent Claim	Aug 2023 · Severe Storms, Tornadoes, And Flooding
Claims by Event	Severe Storms, Tornadoes, And Flooding, Aug 2023 · 2 claims Severe Storms, Flooding, And Tornadoes, Jun 2021 · 2 claims Severe Storms And Flooding, Aug 2014 · 17 claims

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

The area around 22045 Madison 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	DEARBORN serves 109,976 people · EPA ID MI0001730
Water Source	Purchased surface water from GREAT LAKES WATER AUTHORITY
Last State Inspection	Feb 2026
Lead	6 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 896 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL in parts of the area	5,000 / 5,000
Xfinity Cable	2,000 / 250
WOW Internet, Cable & Phone Cable	1,200 / 50
Verizon Fixed Wireless	1,000 / 75

May also be available: 123.NET, T-Mobile.

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