3454 Polk St, Dearborn, MI 48124 Property Records

Wayne County property record for 3454 Polk St, Dearborn, MI 48124

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,574 sqft · built 1948
Lot Size	0.13 acres (5,663 sqft)
Owner	2 Individual Names on File
Last Sale	$175,000 (Aug 2020)
Tax Bill	$4,645 (2025)
Deeds & Mortgages	Aug 2020 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`82-09-274-10-015`

Property Details

APN / Parcel Number

Primary APN	`82-09-274-10-015`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,574 sqft Living Area
1st Floor Area	1,201 sqft
Basement Area	725 sqft
Finished Basement	725 sqft
Unfinished Basement	725 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1948
Effective Year Built	Effective 1948
Exterior Material	Brick
Construction Type	Frame
Lot Area	5,663 sqft (0.13 acres)
Lot Dimensions	135 ft deep x 41 ft wide
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	3454 POLK ST
City	DEARBORN
State	MI
Zip	48124-3866
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA
Legal Description	S 41 FT OF LOT 121 ELMHURST PARK SUB
Legal Subdivision	ELMHURST PARK
Legal Lot Number	121
Jurisdiction	WAYNE MI
Township / Civil Division	DEARBORN
Census Block Group	2
Census Block	2018
Census Tract	575401

Owner

3454 Polk St is owned and occupied by two individuals who bought it in August 2020.

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

Owner of Record	2 Individual Names on File
Mailing Address	3454 POLK ST, DEARBORN, MI 48124-3866
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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 13, 2020 · Amount on File
Deed Sale	Aug 13, 2020 · Amount on File
Deed Document Number	2020231274
Deed Book / Page	55967 / 755
Record Updated	Oct 29, 2026

August 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WAYNE MI
Recording Date	Aug 13, 2020
Property Address	3454 POLK ST, DEARBORN, MI 48124-3866
Document Number	0559670755
Book / Page	55967 / 755
Map Reference	LB 41 PG 37
Instrument Date	Jul 31, 2020
Instrument	2020231274
Transaction Type	Transfer
Record Updated	May 24, 2021
Title Company	TITLE ONE INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,505.00
Amount Accuracy	Full Amount Stated
Additional	Notice of Default Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3454 POLK ST, 3454, DEARBORN, MI 48124-3866

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3454 POLK ST, DEARBORN, MI 48124-3866

Mortgage

Document Number	55967757
Date	Aug 13, 2020
Instrument	55967/757

Lender

Name	NEWREZ LLC
Type	Non-Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 3454 Polk St was $4,645 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	Dearborn City
Unified School District	Dearborn City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$116,000	$232,000
2025	$4,645.00
2023		$94,500	$189,000
2019	$3,037.00

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

Flood

FEMA maps place 3454 Polk St in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective May 25, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 28 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	28 in force

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 3454 Polk St 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 98% of the US · lower than 95% of Michigan
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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	DEARBORN serves 109,976 people · EPA ID MI0001730
Water Source	Purchased surface water from GREAT LAKES WATER AUTHORITY
Last State Inspection	Feb 2026
Lead	6 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	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.

Internet Providers

Source: FCC Broadband Data Collection, based on 879 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
123.NET Fiber	6,000 / 6,000
AT&T Fiber · Fixed Wireless, DSL in parts of the area	5,000 / 5,000
Xfinity Cable	2,000 / 250
WOW Internet, Cable & Phone Cable	1,200 / 50

May also be available: Verizon.

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