3604 Polk St, Dearborn, MI 48124 Property Records

Wayne County property record for 3604 Polk St, Dearborn, MI 48124

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,092 sqft · built 1949
Lot Size	0.13 acres (5,663 sqft)
Owner	Individual Name on File
Last Sale	$139,000 (Dec 2021)
Tax Bill	$3,422 (2025)
Deeds & Mortgages	Aug 2022 Second Mortgage Oct 2024 Line of Credit + 2 more
Flood Zone	Zone AE (high risk)
APN	`82-09-274-12-021`

Property Details

APN / Parcel Number

Primary APN	`82-09-274-12-021`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,092 sqft Living Area
1st Floor Area	720 sqft
Basement Area	720 sqft
Unfinished Basement	720 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1949
Effective Year Built	Effective 1949
Exterior Material	Brick
Construction Type	Frame
Lot Area	5,663 sqft (0.13 acres)
Lot Dimensions	135 ft deep x 41 ft wide

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	3604 POLK ST
City	DEARBORN
State	MI
Zip	48124-3867
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA
Legal Description	S 3 FT OF LOT 128 & N 38 FT OF LOT 129 ELMHURST PARK SUB
Legal Subdivision	ELMHURST PARK
Legal Lot Number	128-129
Jurisdiction	WAYNE MI
Township / Civil Division	DEARBORN
Census Block Group	2
Census Block	2019
Census Tract	575401

Owner

3604 Polk St is owned and occupied by an individual who bought it in December 2021.

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

Owner of Record	Individual Name on File
Mailing Address	3604 POLK ST, DEARBORN, MI 48124-3867
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 29, 2022	Deed of Trust, Mortgage · Stand-Alone Second Mortgage DFCU FINANCIAL
Oct 21, 2024	Deed of Trust, Mortgage · Line of Credit COMMUNITY CHOICE CU
Dec 16, 2021	Warranty Deed, Transfer TITLE SENSE INC, TITLE ONE INC
Dec 16, 2021	Warranty Deed, Transfer · Conventional Mortgage SOMERSET LENDING CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 16, 2021 · Amount on File
Deed Sale	Dec 16, 2021 · Amount on File
Prior Sale	Dec 5, 2005 · Amount on File
Deed Document Number	2021438190
Deed Book / Page	57277 / 677
Prior Transfer Date	Sep 25, 2003
Prior Transfer Doc	0204025489
Record Updated	Oct 29, 2026

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WAYNE MI
Property Address	3604 POLK ST, DEARBORN, MI 48124-3867
Transaction Type	Mortgage
Record Updated	Apr 3, 2026
Title Company	DFCU TITLE AGENCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3604 POLK ST, DEARBORN, MI 48124-3867
Investor	Possibly a Property Investor

Mortgage

Document Number	0578231299
Date	Aug 29, 2022
Book Page	57823/1299
Instrument	2022272497

Lender

Name	DFCU FINANCIAL
Type	Credit Union
Address	DEARBORN, MI 48126

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	61 Months
Due	Aug 31, 2027

October 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WAYNE MI
Property Address	3604 POLK ST, DEARBORN, MI 48124-3867
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3604 POLK ST, DEARBORN, MI 48124-3867

Mortgage

Document Number	0591470433
Date	Oct 21, 2024
Book Page	59147/433
Instrument	2024274673

Lender

Name	COMMUNITY CHOICE CU
Type	Credit Union
Address	FARMINGTON, MI 48334

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	324 Months
Due	Oct 20, 2051

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WAYNE MI
Recording Date	Dec 16, 2021
Property Address	3604 POLK ST, DEARBORN, MI 48124-3867
Document Number	0572770677
Book / Page	57277 / 677
Map Reference	LB 41 PG 37
Instrument Date	Dec 10, 2021
Instrument	2021438190
Transaction Type	Transfer
Record Updated	Jan 14, 2022
Title Company	TITLE SENSE INC, TITLE ONE INC

Transaction

Amount	Amount on Record
Tax	$1,042.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3604 POLK ST, 3604, DEARBORN, MI 48124-3867

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3604 POLK ST, DEARBORN, MI 48124-3867

December 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WAYNE MI
Recording Date	Dec 16, 2021
Property Address	3604 POLK ST, DEARBORN, MI 48124-3867
Document Number	0572770677
Book / Page	57277 / 677
Map Reference	LB 41 PG 37
Instrument Date	Dec 10, 2021
Instrument	2021438190
Transaction Type	Transfer
Record Updated	Apr 3, 2026
Title Company	TITLE SENSE INC, TITLE ONE INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,042.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3604 POLK ST, DEARBORN, MI 48124-3867

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3604 POLK ST, DEARBORN, MI 48124-3867
Investor	Possibly a Property Investor

Mortgage

Document Number	0572731420
Date	Dec 16, 2021
Instrument	57273/1420

Lender

Name	SOMERSET LENDING CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2052

Tax Assessment & Valuation

The 2025 property tax bill for 3604 Polk St was $3,422 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		$81,400	$162,800
2025	$3,422.00
2023		$70,700	$141,400
2019	$2,799.00

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

Flood

FEMA maps place 3604 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

The area around 3604 Polk St 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	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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