28059 Elba Dr, Grosse Ile, MI 48138 Property Records

Wayne County property record for 28059 Elba Dr, Grosse Ile, MI 48138

Property Summary

Property Type	Single Family Home
Details	3.5 ba · 4,929 sqft · built 1905
Lot Size	0.82 acres (35,719 sqft)
Owner	2 Individual Names on File
Last Sale	$1,100,000 (Sep 2025)
Tax Bill	$25,863 (2025)
Deeds & Mortgages	Feb 2021 Mortgage Sep 2022 Line of Credit + 7 more
Flood Zone	Zone X (minimal risk)
APN	`73 043 01 0018 000`

Property Details

APN / Parcel Number

Primary APN	`73 043 01 0018 000`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	4,929 sqft Living Area
1st Floor Area	2,133 sqft
Basement Area	2,133 sqft
Unfinished Basement	2,133 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1905
Effective Year Built	Effective 1905
Lot Area	35,719 sqft (0.82 acres)
Lot Dimensions	316 ft deep x 100 ft wide
Garage Area	550 sqft
Parking Spaces	4 Parking Spaces

Utilities, Heating & Cooling

Heating System	Hot Water

Location & Zoning

Street Address	28059 ELBA DR
City	GROSSE ILE
State	MI
Zip	48138-1926
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1-B
Legal Description	554B18 LOT 18 SUBD OF ELBA LOT 11 SEC 552 553 AND 554 ALSO ALL LAND LYING E OF E LINE OF SAID LOT BETWEEN N AND S LINES OF
Legal Subdivision	ELBA
Legal Lot Number	11,18
Jurisdiction	WAYNE MI
Township / Civil Division	GROSSE ILE
Census Block Group	4
Census Block	4005
Census Tract	596100

Owner

28059 Elba Dr is owned and occupied by two individuals who bought it in September 2025.

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

Owner of Record	2 Individual Names on File
Mailing Address	2611 CHELSEA ST, TRENTON, MI 48183-2504
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
Feb 9, 2021	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Sep 21, 2022	Deed of Trust, Mortgage · Line of Credit DOMINION FINANCIAL SERVICES LLC
Oct 17, 2024	Deed of Trust, Mortgage · Construction Mortgage LIMA ONE CAPITAL LLC
Nov 8, 2024	Deed of Trust, Mortgage · Construction Mortgage LIMA ONE CAPITAL LLC
Sep 2, 2025	Warranty Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC
Jul 23, 2021	Warranty Deed, Transfer MICHIGAN TITLE INSURANCE AGENCY INC, MICHIGAN TITLE INS AGCY INC
Feb 10, 2021	Intrafamily Transfer, Transfer
Aug 11, 2020	Warranty Deed, Transfer ATA NATIONAL TITLE GROUP LLC, ATA NAT'L TITLE GROUP LLC
Dec 13, 2017	Warranty Deed, Transfer · Conventional Mortgage UNION HOME MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 2, 2025 · Amount on File
Deed Sale	Sep 2, 2025 · Amount on File
Prior Sale	Jul 23, 2021 · Amount on File
Deed Document Number	2025252300
Deed Book / Page	59756 / 1296
Prior Transfer Date	Feb 8, 2021
Prior Transfer Doc	0564180211
Record Updated	Oct 29, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WAYNE MI
Property Address	28059 ELBA DR, GROSSE ILE, MI 48138-1926
Transaction Type	Mortgage
Record Updated	Dec 18, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	28059 ELBA DR, GROSSE ILE, MI 48138-1926

Mortgage

Document Number	0564121261
Date	Feb 9, 2021
Book Page	56412/1261
Instrument	2021051128

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Mar 1, 2036

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WAYNE MI
Property Address	28059 ELBA DR, GROSSE ILE, MI 48138-1926
Transaction Type	Mortgage
Record Updated	Dec 18, 2025
Title Company	UNKNOWN, SPEEDY T&E SVCS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0578621419
Date	Sep 21, 2022
Book Page	57862/1419
Instrument	2022288975

Lender

Name	DOMINION FINANCIAL SERVICES LLC
Type	Funding / Finance Company
Address	BALTIMORE, MD 21202

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	18 Months
Due	Mar 2, 2024

October 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WAYNE MI
Property Address	28059 ELBA DR, GROSSE ILE, MI 48138-1926
Transaction Type	Mortgage
Record Updated	Dec 18, 2025
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	243000 JOY RD, REDFORD, MI 48239

Mortgage

Document Number	0591440136
Date	Oct 17, 2024
Book Page	59144/136
Instrument	2024273458

Lender

Name	LIMA ONE CAPITAL LLC
Type	Mortgage Company
Address	GREENVILLE, SC 29601

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	26 Months
Due	Dec 1, 2026

November 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WAYNE MI
Property Address	28059 ELBA DR, GROSSE ILE, MI 48138-1926
Transaction Type	Mortgage
Record Updated	Dec 18, 2025
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	243000 JOY RD, REDFORD, MI 48239

Mortgage

Document Number	0591851009
Date	Nov 8, 2024
Book Page	59185/1009
Instrument	2024287930

Lender

Name	LIMA ONE CAPITAL LLC
Type	Mortgage Company
Address	GREENVILLE, SC 29601

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	19 Months
Due	Jun 1, 2026

September 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WAYNE MI
Recording Date	Sep 2, 2025
Property Address	28059 ELBA DR, GROSSE ILE, MI 48138-1926
Document Number	0597561296
Book / Page	59756 / 1296
Map Reference	LB 23 PG 65
Instrument Date	Sep 2, 2025
Instrument	2025252300
Transaction Type	Transfer
Record Updated	Dec 18, 2025
Title Company	ATA NATIONAL TITLE GROUP LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$8,250.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	24300 JOY RD, REDFORD, MI 48239-1216

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	28059 ELBA DR, GROSSE ILE, MI 48138-1926

Mortgage

Document Number	0597621327
Date	Sep 2, 2025
Instrument	59762/1327

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2055

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WAYNE MI
Recording Date	Jul 23, 2021
Property Address	28059 ELBA DR, GROSSE ILE, MI 48138-1926
Document Number	0569020353
Book / Page	56902 / 353
Map Reference	LB 23 PG 65
Instrument Date	Jul 20, 2021
Instrument	2021290075
Transaction Type	Transfer
Record Updated	Aug 16, 2021
Title Company	MICHIGAN TITLE INSURANCE AGENCY INC, MICHIGAN TITLE INS AGCY INC

Transaction

Amount	Amount on Record
Tax	$5,160.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	29749 E RIVER RD, 29749, GROSSE ILE, MI 48138-1936

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	28059 ELBA DR, REDFORD, MI 48239

February 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	WAYNE MI
Recording Date	Feb 10, 2021
Property Address	28059 ELBA DR, GROSSE ILE, MI 48138-1926
Document Number	0564180211
Book / Page	56418 / 211
Map Reference	LB 23 PG 65
Instrument Date	Feb 8, 2021
Instrument	2021052933
Transaction Type	Transfer
Record Updated	Jun 7, 2023

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
Relationship	Revocable Trust
Address	28059 ELBA DR, GROSSE ILE, MI 48138-1926

August 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WAYNE MI
Recording Date	Aug 11, 2020
Property Address	28059 ELBA DR, GROSSE ILE, MI 48138-1926
Document Number	0559630669
Book / Page	055963 / 000669
Instrument Date	Aug 7, 2020
Instrument	230092
Transaction Type	Transfer
Record Updated	Nov 10, 2020
Title Company	ATA NATIONAL TITLE GROUP LLC, ATA NAT'L TITLE GROUP LLC

Transaction

Amount	Amount on Record
Tax	$6,373.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	99 OASTREET WYANDOTTE MI 48192, WYANDOTTE, MI 48192

December 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WAYNE MI
Recording Date	Dec 13, 2017
Property Address	28059 ELBA DR, GROSSE ILE, MI 48138-1926
Document Number	0541181082
Book / Page	54118 / 1082
Map Reference	LB23 PG65
Instrument Date	Nov 30, 2017
Instrument	2017386884
Transaction Type	Transfer
Record Updated	May 24, 2021
Title Company	MICHIGAN TITLE INS AGENCY IN

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$6,192.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	28059 ELBA DR, 28059, GROSSE ILE, MI 48138-1926

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8900 MARQUETTE DR, GROSSE ILE, MI 48138-1579

Mortgage

Document Number	2017386885
Date	Dec 13, 2017
Instrument	2017386885

Lender

Name	UNION HOME MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 28059 Elba Dr was $25,863 with a homeowner's exemption.

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		$559,600 (+0.34%)	$1,119,200 (+0.34%)
2025	$25,863.00	$557,700	$1,115,400
2023	$25,795.00	$440,300	$880,600
2021	$15,680.00

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 28059 Elba Dr 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 13 policies
Nearby Flood Policies	13 in force
Nearby Flood Claims	9 (1980–2020)
Claims Outside the SFHA	3 of 9
Most Recent Claim	May 2020

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

Wildfire risk around 28059 Elba Dr is low, with less than a 0.01% annual chance of 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	Direct burnable vegetation

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	GROSSE ILE TOWNSHIP serves 10,788 people · EPA ID MI0002870
Water Source	Purchased surface water from GREAT LAKES WATER AUTHORITY
Last State Inspection	Feb 2026
Lead	4 ppb (2026) 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 78 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 Fiber	1,000 / 1,000

Cell Coverage

5G and 4G LTE (outdoors only)

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