31140 Island Dr, Gibraltar (Rockwood), MI 48173 Property Records

Wayne County property record for 31140 Island Dr, Gibraltar, MI 48173

Property Summary

Property Type	Single Family Home
Details	2 ba · 2,046 sqft · built 1970
Lot Size	0.2 acres (8,712 sqft)
Owner	Individual Name on File
Last Sale	$605,000 (Mar 2022)
Tax Bill	$12,514 (2025)
Deeds & Mortgages	Mar 2022 Sale & Mortgage Dec 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`36 019 01 0051 003`

Property Details

APN / Parcel Number

Primary APN	`36 019 01 0051 003`

Interior

Full Baths	2 Baths
Stories	2 Stories
Building Area	2,046 sqft Living Area
1st Floor Area	1,739 sqft
Basement Area	1,152 sqft
Unfinished Basement	1,152 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1970
Effective Year Built	Effective 1970
Architectural Style	Custom Design
Exterior Material	Aluminum/Vinyl
Foundation Type	No Foundation
Roof Type	Gable
Lot Area	8,712 sqft (0.2 acres)
Lot Dimensions	96 ft deep x 91 ft wide
Garage Area	308 sqft
Parking Spaces	1 Parking Space
Porch	Porch
Porch Area	32 sqft
Patio Area	672 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	31140 ISLAND DR
City	GIBRALTAR
State	MI
Zip	48173-9550
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RESIDE
Legal Description	01F51C T5S PT OF LOT 51 BEG S64DEG 30M E 29FT AND S21DEG 35M 30S W 196FT FROM THE NE COR OF LOT 52 TH S21DEG 35M 30S W 90FT
Legal Range	10E
Legal Township	05S
Legal Section	64
Legal Subdivision	HORSE ISLAND
Legal Lot Number	51-52
Jurisdiction	WAYNE MI
Township / Civil Division	GIBRALTAR
Census Block Group	2
Census Block	2005
Census Tract	597000

Owner

31140 Island Dr is owned and occupied by an individual who bought it in March 2022.

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

Owner of Record	Individual Name on File
Mailing Address	31140 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
Mar 15, 2022	Warranty Deed, Transfer · Stand-Alone First Mortgage ROCKET MORTGAGE LLC
Dec 21, 2020	Deed of Trust, Mortgage · Conventional Mortgage LEVEL ONE BANK
Aug 6, 2019	Warranty Deed, Transfer · Conventional Mortgage LEVEL ONE BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 15, 2022 · Amount on File
Deed Sale	Mar 15, 2022 · Amount on File
Prior Sale	Aug 6, 2019 · Amount on File
Deed Document Number	202267305
Deed Book / Page	57463 / 712
Prior Transfer Date	Oct 30, 2009
Prior Transfer Doc	0482311350
Record Updated	Oct 29, 2026

March 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WAYNE MI
Recording Date	Mar 15, 2022
Property Address	31140 ISLAND DR, GIBRALTAR, MI 48173-9550
Document Number	0574630712
Book / Page	57463 / 712
Map Reference	LB 44 PG 34
Instrument Date	Mar 8, 2022
Instrument	2022067305
Transaction Type	Transfer
Record Updated	Apr 6, 2022
Title Company	MICHIGAN TITLE INSURANCE AGENCY INC, MICHIGAN TITLE INS AGCY INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,537.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	31140 ISLAND DR, 31140, GIBRALTAR, MI 48173-9550

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	31140 ISLAND DR, GIBRALTAR, MI 48173-9550

Mortgage

Document Number	0057463714
Date	Mar 15, 2022
Instrument	57463/714

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2052

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WAYNE MI
Property Address	31140 ISLAND DR, GIBRALTAR, MI 48173-9550
Transaction Type	Mortgage
Record Updated	Sep 17, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	31140 ISLAND DR, GIBRALTAR, MI 48173-9550

Mortgage

Document Number	0562801335
Date	Dec 21, 2020
Book Page	56280/1335
Instrument	2021011462

Lender

Name	LEVEL ONE BANK
Type	Bank
Address	FARMINGTON, MI 48334

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2051

August 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WAYNE MI
Recording Date	Aug 6, 2019
Property Address	31140 ISLAND DR, GIBRALTAR, MI 48173-9550
Document Number	0551990843
Book / Page	55199 / 0843
Map Reference	LB 44 PG 34
Instrument Date	Jul 25, 2019
Instrument	2019234849
Transaction Type	Transfer
Record Updated	Sep 17, 2021
Title Company	MICHIGAN TITLE INSURANCE AGENCY INC, MICHIGAN TITLE INS AGCY INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,655.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2560 RUTLEDGE ST, 2560, TRENTON, MI 48183-2516

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	31140 ISLAND DR, GIBRALTAR, MI 48173-9550

Mortgage

Document Number	551960879
Date	Aug 6, 2019
Instrument	55196/0879

Lender

Name	LEVEL ONE BANK
Type	Bank

Agreement

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

Tax Assessment & Valuation

The 2025 property tax bill for 31140 Island Dr was $12,514 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		$257,300 (+4.34%)	$514,600 (+4.34%)
2025	$12,514.00 Homeowner's exemption	$246,600	$493,200
2023		$230,200	$460,400
2020	$9,078.00

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 31140 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 31140 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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