31035 Island Dr, Gibraltar (Rockwood), MI 48173 Property Records

Wayne County property record for 31035 Island Dr, Gibraltar, MI 48173

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,509 sqft · built 1986
Lot Size	0.16 acres (6,970 sqft)
Owner	2 Individual Names on Record
Last Sale	$510,000 (Sep 2021)
Tax Bill	$15,957 (2025)
Deeds & Mortgages	Oct 2023 Transfer Jan 2023 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`36 019 01 0047 000`

Property Details

APN / Parcel Number

Primary APN	`36 019 01 0047 000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,509 sqft Living Area
1st Floor Area	1,194 sqft
Basement Area	1,292 sqft
Unfinished Basement	1,292 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1986
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Foundation Type	No Foundation
Roof Type	Gable
Lot Area	6,970 sqft (0.16 acres)
Lot Dimensions	136 ft deep x 50 ft wide
Garage Area	546 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	48 sqft
Patio Area	1,487 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Sewer	Municipal

Location & Zoning

Street Address	31035 ISLAND DR
City	GIBRALTAR
State	MI
Zip	48173-9549
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RESIDE
Legal Description	01F47 T5S LOT 47 HORSE ISLAND SUB PC 54 T5S R10E L44 P34 WCR
Legal Subdivision	HORSE ISLAND
Legal Lot Number	47
Jurisdiction	WAYNE MI
Township / Civil Division	GIBRALTAR
Census Block Group	2
Census Block	2005
Census Tract	597000

Owner

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	31035 ISLAND DR, GIBRALTAR, MI 48173-9549
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 16, 2023	Intrafamily Transfer, Transfer
Jan 26, 2023	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA
Sep 27, 2021	Warranty Deed, Transfer · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
Dec 6, 2019	Deed of Trust, Mortgage · Line of Credit CITIZENS BK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 27, 2021 · Amount on Record
Deed Sale	Sep 27, 2021 · Amount on Record
Prior Sale	Nov 30, 2004 · Amount on Record
Deed Document Number	2021352132
Deed Book / Page	57060 / 1409
Last Transfer Date	Sep 26, 2023
Transfer Doc	0585100572
Record Updated	Oct 29, 2026

October 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	WAYNE MI
Recording Date	Oct 16, 2023
Property Address	31035 ISLAND DR, GIBRALTAR, MI 48173-9549
Document Number	0585100572
Book / Page	58510 / 572
Map Reference	LB 44 PG 34
Instrument Date	Sep 26, 2023
Instrument	2023266574
Transaction Type	Transfer
Record Updated	Nov 13, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	31035 ISLAND DR, GIBRALTAR, MI 48173-9549

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	31035 ISLAND DR, GIBRALTAR, MI 48173-9549

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WAYNE MI
Property Address	31035 ISLAND DR, GIBRALTAR, MI 48173-9549
Transaction Type	Mortgage
Record Updated	Feb 17, 2023
Title Company	TITLE 365, TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	31035 ISLAND DR, GIBRALTAR, MI 48173-9549

Mortgage

Document Number	0580550186
Date	Jan 26, 2023
Book Page	58055/186
Instrument	2023018005

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jan 17, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WAYNE MI
Recording Date	Sep 27, 2021
Property Address	31035 ISLAND DR, GIBRALTAR, MI 48173-9549
Document Number	0570601409
Book / Page	57060 / 1409
Map Reference	LB 44 PG 34
Instrument Date	Sep 1, 2021
Instrument	2021352132
Transaction Type	Transfer
Record Updated	Oct 22, 2021
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TTL GROUP

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,386.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	31035 ISLAND DR, 31035, GIBRALTAR, MI 48173-9549

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	31035 ISLAND DR, GIBRALTAR, MI 48173-9549

Mortgage

Document Number	570601411
Date	Sep 27, 2021
Instrument	57060/1411

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Oct 1, 2036

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WAYNE MI
Property Address	31035 ISLAND DR, GIBRALTAR, MI 48173-9549
Document Number	0555040145
Instrument Date	Dec 6, 2019
Transaction Type	Mortgage
Record Updated	Feb 11, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10086 COLWELL AVE ALLEN PARK MI 481011317, ALLEN PARK, MI 48101-1317

Mortgage

Document Number	0555040145
Date	Jan 6, 2020
Book Page	055504/000145
Instrument	5935

Lender

Name	CITIZENS BK NA
Address	PROVIDENCE, RI 02903

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Jan 5, 2045

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$384,300 (+5.81%)	$768,600 (+5.81%)
2025	$15,957.00 (+92.37%) Homeowner's exemption	$363,200 (+4.28%)	$726,400 (+4.28%)
2023		$348,300	$696,600
2020	$8,295.00

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

Flood

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.

Wildfire

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	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

Violations Reported to EPA

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.

Internet Providers

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

Cell Coverage

5G (outdoors only) and 4G LTE

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