31122 Island Dr, Gibraltar (Rockwood), MI 48173 Property Records

Wayne County property record for 31122 Island Dr, Gibraltar, MI 48173

Property Summary

Property Type	Single Family Home
Details	2 ba · 2,102 sqft · built 1977
Lot Size	0.15 acres (6,534 sqft)
Owner	2 Individual Names on File
Last Sale	$387,500 (Nov 2019)
Tax Bill	$10,380 (2025)
Deeds & Mortgages	Aug 2022 Second Mortgage May 2021 Transfer + 4 more
Flood Zone	Zone X (minimal risk)
APN	`36 019 01 0052 002`

Property Details

APN / Parcel Number

Primary APN	`36 019 01 0052 002`

Interior

Full Baths	2 Baths
Stories	2 Stories
Building Area	2,102 sqft Living Area
1st Floor Area	732 sqft
Basement Area	714 sqft
Unfinished Basement	714 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1977
Architectural Style	Custom Design
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Lot Area	6,534 sqft (0.15 acres)
Lot Dimensions	125 ft deep x 52 ft wide
Garage Area	637 sqft
Parking Spaces	2 Parking Spaces
Patio Area	2,139 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	31122 ISLAND DR
City	GIBRALTAR
State	MI
Zip	48173-9550
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RESIDE
Legal Description	01F52B 53A1 T5S NLY 47.12FT OF LOT 52 AND SLY 5FT OF LOT 53 HORSE ISLAND SUB PC 54 T5S R10E L44 P34 WCR
Legal Subdivision	HORSE ISLAND
Legal Lot Number	52-53
Jurisdiction	WAYNE MI
Township / Civil Division	GIBRALTAR
Census Block Group	2
Census Block	2005
Census Tract	597000

Owner

31122 Island Dr is owned and occupied by two individuals who acquired it in April 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	31122 ISLAND DR, GIBRALTAR, MI 48173-9550
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
Aug 11, 2022	Deed of Trust, Mortgage · Stand-Alone Second Mortgage COMMUNITY ALLIANCE CU
May 4, 2021	Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION
Nov 7, 2019	Warranty Deed, Transfer · Conventional Mortgage ENVOY MORTGAGE LTD
Nov 7, 2019	Warranty Deed, Transfer FIRST AMERICAN TITLE
Nov 9, 2017	Warranty Deed, Transfer · Conventional with PMI STATE BK
Nov 9, 2017	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 7, 2019 · Amount on File
Deed Sale	Nov 7, 2019 · Amount on File
Prior Sale	Nov 7, 2019 · Amount on File
Deed Document Number	2019313689
Deed Book / Page	55392 / 525
Last Transfer Date	Apr 29, 2021
Transfer Doc	0566971274
Record Updated	Oct 29, 2026

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WAYNE MI
Property Address	31122 ISLAND DR, GIBRALTAR, MI 48173-9550
Transaction Type	Mortgage
Record Updated	Sep 1, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	31122 ISLAND DR, GIBRALTAR, MI 48173-9550

Mortgage

Document Number	0577961348
Date	Aug 11, 2022
Book Page	57796/1348
Instrument	2022260219

Lender

Name	COMMUNITY ALLIANCE CU
Type	Credit Union
Address	LIVONIA, MI 48150

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	12 Months
Due	Aug 1, 2023

May 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	WAYNE MI
Recording Date	May 4, 2021
Property Address	31122 ISLAND DR, GIBRALTAR, MI 48173-9550
Document Number	0566971274
Book / Page	56697 / 1274
Map Reference	LB 44 PG 34
Instrument Date	Apr 27, 2021
Instrument	2021212252
Transaction Type	Transfer
Record Updated	May 27, 2021
Title Company	ACCOMODATION, ACCOMMODATION

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	Joint Tenants with Right of Survivorship
Address	31123 ISLAND DR, GIBRALTAR, MI 48173-9550

November 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WAYNE MI
Recording Date	Nov 7, 2019
Property Address	31122 ISLAND DR, GIBRALTAR, MI 48173-9550
Document Number	0553920525
Book / Page	55392 / 0525
Map Reference	LB 44 PG 34
Instrument Date	Oct 23, 2019
Instrument	2019313689
Transaction Type	Transfer
Record Updated	May 24, 2021
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,332.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	150 HARVESTER DR STE 201, 150, BURR RIDGE, IL 60527-6692

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	31122 ISLAND DR, GIBRALTAR, MI 48173-9550

Mortgage

Document Number	553920528
Date	Nov 7, 2019
Instrument	55392/0528

Lender

Name	ENVOY MORTGAGE LTD
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2049

November 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WAYNE MI
Recording Date	Nov 7, 2019
Property Address	31122 ISLAND DR, GIBRALTAR, MI 48173-9550
Document Number	0553920523
Book / Page	55392 / 0523
Map Reference	LB 44 PG 34
Instrument Date	Sep 30, 2019
Instrument	2019313688
Transaction Type	Transfer
Record Updated	May 24, 2021
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount on Record
Tax	$3,334.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	31122 ISLAND DR, 31122, GIBRALTAR, MI 48173-9550

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	150 HARVESTER DR STE 201, 201, BURR RIDGE, IL 60527-6692
Investor	Possibly a Property Investor

November 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WAYNE MI
Recording Date	Nov 9, 2017
Property Address	31122 ISLAND DR, GIBRALTAR, MI 48173-9550
Document Number	0540541161
Book / Page	054054 / 001161
Instrument Date	Oct 17, 2017
Instrument	353565
Transaction Type	Transfer
Record Updated	Jan 11, 2019
Title Company	MICHIGAN TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,945.50
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	913 NW 110TH TER KANSAS CITY MO 64155, KANSAS CITY, MO 64155

Mortgage

Document Number	540410258
Date	Nov 9, 2017
Book Page	054041/000258
Instrument	347636

Lender

Name	STATE BK
Type	Bank
Address	FENTON, MI 48430-0725

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Nov 8, 2047

November 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WAYNE MI
Recording Date	Nov 9, 2017
Property Address	31122 ISLAND DR, GIBRALTAR, MI 48173-9550
Document Number	0540541155
Book / Page	054054 / 001155
Instrument Date	Sep 1, 2016
Instrument	353564
Transaction Type	Transfer
Record Updated	Dec 5, 2017
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	28032 HICKORY CIR FARMINGTON HILLS MI 483312955, FARMINGTON HILLS, MI 48331-2955

Tax Assessment & Valuation

The 2025 property tax bill for 31122 Island Dr was $10,380 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	Gibraltar City
Unified School District	Gibraltar School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$258,200	$516,400
2025	$10,380.00
2023		$236,700	$473,400
2020	$8,559.00

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

Flood

FEMA maps place 31122 Island Dr in Zone X, an area of minimal flood risk, within 100 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 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File 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

The area around 31122 Island Dr 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	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

Nearby Properties on Island Dr

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