3605 Gertrude St, Dearborn, MI 48124 Property Records

Wayne County property record for 3605 Gertrude St, Dearborn, MI 48124

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,552 sqft · built 1951
Lot Size	0.13 acres (5,663 sqft)
Owner	2 Individual Names on File
Last Sale	$141,000 (Oct 2003)
Tax Bill	$3,648 (2025)
Deeds & Mortgages	Jun 2026 Mortgage Jun 2023 Transfer + 2 more
Flood Zone	Zone AE (high risk)
APN	`82-09-273-31-008`

Property Details

APN / Parcel Number

Primary APN	`82-09-273-31-008`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,552 sqft Living Area
1st Floor Area	1,144 sqft
Basement Area	838 sqft
Unfinished Basement	790 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1951
Effective Year Built	Effective 1951
Exterior Material	Aluminum/Vinyl
Lot Area	5,663 sqft (0.13 acres)
Lot Dimensions	140 ft deep x 40 ft wide
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	3605 GERTRUDE ST
City	DEARBORN
State	MI
Zip	48124-3796
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA
Legal Description	LOT 412 INCLUDING HALF OF THE VACATED ALLEY IN THE REAR THEREOFF FORDSON HEIGHTS SUB 1
Legal Subdivision	FORDSON HEIGHTS NO 1
Legal Lot Number	412
Jurisdiction	WAYNE MI
Township / Civil Division	DEARBORN
Census Block Group	1
Census Block	1001
Census Tract	575401

Owner

3605 Gertrude St is owned and occupied by two individuals who acquired it in May 2023.

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

Owner of Record	2 Individual Names on File
Mailing Address	3605 GERTRUDE ST, DEARBORN, MI 48124-3796
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
Jun 9, 2026	Deed of Trust, Mortgage · Conventional Mortgage UNION CREDIT UNION
Jun 14, 2023	Intrafamily Transfer, Transfer
Feb 20, 2017	Deed of Trust, Mortgage · ARM WELLS FARGO BANK NA
Oct 18, 2019	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 16, 2003 · Amount on File
Deed Sale	Oct 16, 2003 · Amount on File
Deed Document Number	2003650747
Deed Book / Page	39321 / 124
Last Transfer Date	May 12, 2023
Transfer Doc	0582990823
Record Updated	Oct 29, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WAYNE MI
Recording Date	Jun 9, 2026
Property Address	3605 GERTRUDE ST, DEARBORN, MI 48124-3796
Document Number	0000200666
Book / Page	60334 / 91
Instrument Date	May 29, 2026
Instrument	2026200666
Transaction Type	Mortgage
Record Updated	Aug 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5713 NORTHFORD, CANTON, MI 48187-4933

Mortgage

Document Number	0000200666,
Date	Jun 9, 2026
Book Page	60334/91
Instrument	2026200666

Lender

Name	UNION CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Jun 1, 2041

Interest

Rate Type	Fixed Rate
Rate	5.64%
Initial Type	Fixed Rate
Max Rate	-1%

June 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	WAYNE MI
Recording Date	Jun 14, 2023
Property Address	3605 GERTRUDE ST, DEARBORN, MI 48124-3796
Document Number	0582990823
Book / Page	58299 / 823
Map Reference	LB 40 PG 66
Instrument Date	May 12, 2023
Instrument	2023170300
Transaction Type	Transfer
Record Updated	Mar 26, 2024

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5713 NORTHFORD, CANTON, MI 48187-4933

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5713 NORTHFORD, CANTON, MI 48187-4933

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WAYNE MI
Property Address	3605 GERTRUDE ST, DEARBORN, MI 48124-3723
Transaction Type	Mortgage
Record Updated	Aug 15, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0535290862
Date	Feb 20, 2017
Book Page	53529/0862
Instrument	2017051814

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	4.12%
Type Change Date	Mar 1, 2024
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	9.12%
Index	1-Year LIBOR
Max Rate	9.12%

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WAYNE MI
Property Address	3605 GERTRUDE ST, DEARBORN, MI 48124-3723
Transaction Type	Mortgage
Record Updated	Aug 15, 2022
Title Company	LIBERTY TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0553470301
Date	Oct 18, 2019
Book Page	55347/0301
Instrument	2019295104

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	3.5%
Type Change Date	Nov 1, 2026
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	8.5%
Index	1-Year LIBOR
Max Rate	8.5%

Tax Assessment & Valuation

The 2025 property tax bill for 3605 Gertrude St was $3,648.

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		$113,200 (+10.55%)	$226,400 (+10.55%)
2025	$3,648.00	$102,400	$204,800
2023		$92,600 (+14.46%)	$185,200 (+14.46%)
2022		$80,900	$161,800
2019	$3,317.00

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

Flood

FEMA maps place 3605 Gertrude 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 15 policies
Nearby Flood Policies	15 in force
Nearby Flood Claims	2 (2014)
Most Recent Claim	Aug 2014 · Severe Storms 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 3605 Gertrude 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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