2651 Stephens St, Dearborn, MI 48124 Property Records

Wayne County property record for 2651 Stephens St, Dearborn, MI 48124

Property Summary

Property Type	Single Family Home
Details	2 bd · 2.5 ba · 1,469 sqft · built 1998
Lot Size	0.15 acres (6,534 sqft)
Owner	Individual Name on File
Last Sale	$335,000 (Oct 2023)
Tax Bill	$6,473 (2025)
Deeds & Mortgages	Oct 2023 Sale & Mortgage Feb 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`82-09-282-08-012`

Property Details

APN / Parcel Number

Primary APN	`82-09-282-08-012`

Interior

Bedrooms	2 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,469 sqft Living Area
1st Floor Area	972 sqft
Basement Area	972 sqft
Unfinished Basement	972 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Exterior Material	Other
Lot Area	6,534 sqft (0.15 acres)
Lot Dimensions	108 ft deep x 60 ft wide
Garage Area	499 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	2651 STEPHENS ST
City	DEARBORN
State	MI
Zip	48124-2679
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA
Legal Description	LOTS 9 & 10 BLOCK 4 INCLUDING HALF OF THE VACATED ALLEY IN THE REAR THEREOF ELECTRIC RAILWAY ADDITION
Legal Subdivision	ELECTRIC RAILWAY ADD
Legal Block	4
Legal Lot Number	9-10
Jurisdiction	WAYNE MI
Township / Civil Division	DEARBORN
Census Block Group	4
Census Block	4005
Census Tract	575000

Owner

2651 Stephens St is owned and occupied by an individual who bought it in October 2023.

Source: Wayne County records, as of October 9, 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	2651 STEPHENS ST, DEARBORN, MI 48124-2679
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 6, 2023	Warranty Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC
Feb 1, 2019	Quit Claim Deed, Transfer · Conventional Mortgage PRIMELENDING

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 6, 2023 · Amount on File
Deed Sale	Oct 6, 2023 · Amount on File
Prior Sale	Mar 19, 2004 · Amount on File
Deed Document Number	2023259395
Deed Book / Page	58495 / 244
Prior Transfer Date	Jan 16, 2019
Prior Transfer Doc	0548371294
Record Updated	Oct 29, 2026

October 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WAYNE MI
Recording Date	Oct 6, 2023
Property Address	2651 STEPHENS ST, DEARBORN, MI 48124-2679
Document Number	0584950244
Book / Page	58495 / 244
Map Reference	LB 14 PG 72
Instrument Date	Sep 28, 2023
Instrument	2023259395
Transaction Type	Transfer
Record Updated	Oct 31, 2023
Title Company	TITLE SENSE INC, TITLE ONE INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,512.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2651 STEPHENS ST, DEARBORN, MI 48124-2679

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2651 STEPHENS ST, DEARBORN, MI 48124-2679

Mortgage

Document Number	0058495246
Date	Oct 6, 2023
Instrument	58495/246

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2053

February 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WAYNE MI
Recording Date	Feb 1, 2019
Property Address	2651 STEPHENS ST, DEARBORN, MI 48124-2679
Document Number	0548371294
Book / Page	054837 / 001294
Instrument Date	Jan 16, 2019
Instrument	23133
Transaction Type	Transfer
Record Updated	Mar 15, 2019
Title Company	NATIONWIDE TITLE CLEARING INC

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2651 STEPHENS ST DEARBORN MI 481242679, DEARBORN, MI 48124-2679

Mortgage

Document Number	548541326
Date	Feb 1, 2019
Book Page	054854/001326
Instrument	31124

Lender

Name	PRIMELENDING
Address	DALLAS, TX 75252

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 31, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 2651 Stephens St was $6,473 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		$210,300 (+66.9%)	$420,600 (+66.9%)
2025	$6,473.00 Homeowner's exemption	$126,000	$252,000
2023		$169,500	$339,000
2019	$4,594.00

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 2651 Stephens 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 2651 Stephens 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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