23905 Oak St, Dearborn, MI 48128 Property Records

Wayne County property record for 23905 Oak St, Dearborn, MI 48128

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,171 sqft · built 1950
Lot Size	0.12 acres (5,227 sqft)
Owner	2 Individual Names on File
Last Sale	$253,000 (Nov 2023)
Tax Bill	$5,810 (2025)
Deeds & Mortgages	Nov 2023 Sale & Mortgage Apr 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`82-09-161-24-020`

Property Details

APN / Parcel Number

Primary APN	`82-09-161-24-020`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,171 sqft Living Area
1st Floor Area	1,163 sqft
Basement Area	975 sqft
Unfinished Basement	975 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1950
Exterior Material	Brick
Construction Type	Frame
Lot Area	5,227 sqft (0.12 acres)
Lot Dimensions	128 ft deep x 40 ft wide

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	23905 OAK ST
City	DEARBORN
State	MI
Zip	48128-2203
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA
Legal Description	LOT 151 ASSESSORS DEARBORN PLAT NO 2
Legal Subdivision	ASSESSORS DEARBORN
Legal Lot Number	151
Jurisdiction	WAYNE MI
Township / Civil Division	DEARBORN
Census Block Group	2
Census Block	2032
Census Tract	574600

Owner

23905 Oak St is owned and occupied by two individuals who bought it in November 2023.

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

Owner of Record	2 Individual Names on File
Mailing Address	23905 OAK ST, DEARBORN, MI 48128-2203
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.

Deeds, Mortgages & Sale History

Date	Document
Nov 20, 2023	Warranty Deed, Transfer · Conventional Mortgage VESTA FINANCIAL GROUP LLC
Apr 9, 2018	Warranty Deed, Transfer · FHA Mortgage SIMPLE MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 20, 2023 · Amount on File
Deed Sale	Nov 20, 2023 · Amount on File
Prior Sale	Jun 29, 2011 · Amount on File
Deed Document Number	2023286793
Deed Book / Page	58561 / 1151
Prior Transfer Date	Sep 1, 2010
Prior Transfer Doc	0487290164
Record Updated	Oct 29, 2026

November 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WAYNE MI
Recording Date	Nov 20, 2023
Property Address	23905 OAK ST, DEARBORN, MI 48128-2203
Document Number	0585611151
Book / Page	58561 / 1151
Map Reference	LB 69 PG 43
Instrument Date	Nov 8, 2023
Instrument	2023286793
Transaction Type	Transfer
Record Updated	Dec 14, 2023
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,897.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	23905 OAK ST, DEARBORN, MI 48128-2203

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	23905 OAK ST, DEARBORN, MI 48128-2203

Mortgage

Document Number	0585551359
Date	Nov 15, 2023
Book Page	58555/1359
Instrument	2023284064

Lender

Name	VESTA FINANCIAL GROUP LLC
Type	Mortgage Company
Address	DEARBORN, MI 48126

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2053

April 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WAYNE MI
Recording Date	Apr 9, 2018
Property Address	23905 OAK ST, DEARBORN, MI 48128-2203
Document Number	0543411301
Book / Page	054341 / 001301
Instrument Date	Mar 15, 2018
Instrument	136598
Transaction Type	Transfer
Record Updated	May 3, 2018
Title Company	TITLE ONE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,358.80
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5416 WILLIAMSON ST DEARBORN MI 481263172, DEARBORN, MI 48126-3172

Mortgage

Document Number	543411302
Date	Apr 9, 2018
Book Page	054341/001302
Instrument	136599

Lender

Name	SIMPLE MTG
Type	Mortgage Company
Address	FLINT, MI 48532

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 8, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 23905 Oak St was $5,810 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		$138,500	$277,000
2025	$5,810.00
2023		$89,700	$179,400
2019	$4,549.00

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 23905 Oak St in Zone X, an area of minimal flood risk.

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force

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 23905 Oak 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 865 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
WOW Internet, Cable & Phone Cable	1,200 / 50
Verizon Fixed Wireless	1,000 / 75
AT&T Fixed Wireless · DSL · Fiber in parts of the area	100 / 20

May also be available: T-Mobile.

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