Wayne County property record for 31004 Island Dr, Gibraltar, MI 48173
| Property Type | Single Family Home |
|---|---|
| Details | 2.5 ba · 2,462 sqft · built 2015 |
| Lot Size | 0.22 acres (9,583 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $12,186 (2025) |
| Deeds & Mortgages | Nov 2022 Second Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 36 019 01 0058 000 |
| Primary APN | 36 019 01 0058 000 |
|---|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,462 sqft Living Area |
| 1st Floor Area | 1,114 sqft |
| Basement Area | 131 sqft |
| Unfinished Basement | 131 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2015 |
|---|---|
| Effective Year Built | Effective 2015 |
| Architectural Style | Cape Cod |
| Exterior Material | Wood Siding |
| Roof Type | Gable |
| Lot Area | 9,583 sqft (0.22 acres) |
| Lot Dimensions | 188 ft deep x 50 ft wide |
| Garage Area | 480 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Porch |
| Porch Area | 120 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Municipal |
| Street Address | 31004 ISLAND DR |
|---|---|
| City | GIBRALTAR |
| State | MI |
| Zip | 48173-9549 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RESIDE |
| Legal Description | 01F58 T5S LOT 58 HORSE ISLAND SUB PC 54 T5S R10E L44 P34 WCR |
| Legal Subdivision | HORSE ISLAND |
| Legal Lot Number | 58 |
| Jurisdiction | WAYNE MI |
| Township / Civil Division | GIBRALTAR |
| Census Block Group | 2 |
| Census Block | 2005 |
| Census Tract | 597000 |
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 | 31004 ISLAND DR, GIBRALTAR, MI 48173-9549 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | Jun 10, 2014 |
| Transfer Doc | 0516020503 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WAYNE MI |
| Property Address | 31004 ISLAND DR, GIBRALTAR, MI 48173-9549 |
| Transaction Type | Mortgage |
| Record Updated | Dec 12, 2022 |
| Name | Verified Name |
|---|---|
| Address | 31004 ISLAND DR, GIBRALTAR, MI 48173-9549 |
| Document Number | 0579600557 |
|---|---|
| Date | Nov 17, 2022 |
| Book Page | 57960/557 |
| Instrument | 2022334296 |
| Name | POINT DIGITAL FINANCE INC |
|---|---|
| Type | Mortgage Company |
| Address | PALO ALTO, CA 94302 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 3, 2052 |
Source: Wayne County assessment roll, as of September 15, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Wayne County |
| Municipality | Gibraltar City |
| Unified School District | Gibraltar School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $354,300 (+6.81%) | $708,600 (+6.81%) | |
| 2025 | $12,186.00 (+21.27%) Homeowner's exemption | $331,700 (+5.37%) | $663,400 (+5.37%) |
| 2023 | $314,800 | $629,600 | |
| 2020 | $10,049.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 64 policies |
| Community Rating System | Class 8 (10% premium discount) |
| Nearby Flood Policies | 64 in force |
| Nearby Flood Claims | 251 (1980–2023) |
| Claims Outside the SFHA | 37 of 251 |
| Most Recent Claim | Aug 2023 · Severe Storms, Tornadoes, And Flooding |
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.
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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | GIBRALTAR serves 4,997 people · EPA ID MI0002630 |
|---|---|
| Water Source | Purchased surface water from GREAT LAKES WATER AUTHORITY |
| Lead | 4 ppb (2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 2 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.
Source: FCC Broadband Data Collection, based on 280 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 |
| AT&T DSL · Fiber in parts of the area | 100 / 20 |
5G (outdoors only) and 4G LTE
Search by:
By searching, you agree to: Terms • Privacy • Disclosures