3744 Polk St, Dearborn, MI 48124 Property Records

Wayne County property record for 3744 Polk St, Dearborn, MI 48124

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,130 sqft · built 1949
Lot Size	0.12 acres (5,227 sqft)
Owner	Individual Name on File
Last Sale	$140,000 (Jun 2021)
Tax Bill	$3,725 (2025)
Deeds & Mortgages	Nov 2025 Line of Credit Jun 2021 Mortgage + 2 more
Flood Zone	Zone AE (high risk)
APN	`82-09-342-01-022`

Property Details

APN / Parcel Number

Primary APN	`82-09-342-01-022`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,130 sqft Living Area
1st Floor Area	753 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1949
Effective Year Built	Effective 1949
Exterior Material	Aluminum/Vinyl
Lot Area	5,227 sqft (0.12 acres)
Lot Dimensions	135 ft deep x 40 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	3744 POLK ST
City	DEARBORN
State	MI
Zip	48124-3838
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA
Legal Description	LOT 81 INCLUDING HALF OF THE VACATED ALLEY IN THE REAR THEREOF MELROSE PARK SUB
Legal Subdivision	MELROSE PARK
Legal Lot Number	81
Jurisdiction	WAYNE MI
Township / Civil Division	DEARBORN
Census Block Group	2
Census Block	2028
Census Tract	575401

Owner

3744 Polk St is owned and occupied by an individual who bought it in June 2021.

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

Owner of Record	Individual Name on File
Mailing Address	3744 POLK ST, DEARBORN, MI 48124-3838
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
Nov 7, 2025	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK NA
Jun 14, 2021	Deed of Trust, Mortgage · Conventional Mortgage EVERETT FINANCIAL INC
Jun 15, 2021	Warranty Deed, Transfer · Second Mortgage (Down Payment) EVERETT FINANCIAL INC
Jan 9, 2017	Warranty Deed, Transfer · Conventional Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 15, 2021 · Amount on File
Deed Sale	Jun 15, 2021 · Amount on File
Prior Sale	Jan 9, 2017 · Amount on File
Deed Document Number	2021252600
Deed Book / Page	56802 / 1175
Record Updated	Oct 29, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WAYNE MI
Property Address	3744 POLK ST, DEARBORN, MI 48124-3838
Transaction Type	Mortgage
Record Updated	Feb 25, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3744 POLK ST, DEARBORN, MI 48124-3838

Mortgage

Document Number	0598911437
Date	Nov 7, 2025
Book Page	59891/1437
Instrument	2025304338

Lender

Name	CITIZENS BANK NA
Type	Bank
Address	PROVIDENCE, RI 02903

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Nov 5, 2050

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WAYNE MI
Property Address	3744 POLK ST, DEARBORN, MI 48124-3838
Transaction Type	Mortgage
Record Updated	Jan 19, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4116 MERRICK ST, DEARBORN HEIGHTS, MI 48125-2854

Mortgage

Document Number	0568020842
Date	Jun 14, 2021
Book Page	56802/842
Instrument	2021252541

Lender

Name	EVERETT FINANCIAL INC
Type	Funding / Finance Company
Address	DALLAS, TX 75254

Agreement

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

June 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WAYNE MI
Recording Date	Jun 15, 2021
Property Address	3744 POLK ST, DEARBORN, MI 48124-3838
Document Number	0568021175
Book / Page	56802 / 1175
Map Reference	LB 40 PG 50
Instrument Date	Jun 11, 2021
Instrument	2021252600
Transaction Type	Transfer
Record Updated	Jul 8, 2021
Title Company	VANGUARD TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,204.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3744 POLK ST, 3744, DEARBORN, MI 48124-3838

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4116 MERRICK ST, DEARBORN HEIGHTS, MI 48125-2854

Mortgage

Document Number	0568020854
Date	Jun 14, 2021
Book Page	56802/854
Instrument	2021252542

Lender

Name	EVERETT FINANCIAL INC
Type	Funding / Finance Company
Address	DALLAS, TX 75254

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount on Record

January 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WAYNE MI
Recording Date	Jan 9, 2017
Property Address	3744 POLK ST, DEARBORN, MI 48124-3838
Document Number	0534521139
Book / Page	053452 / 001139
Instrument Date	Dec 19, 2016
Instrument	7977
Transaction Type	Transfer
Record Updated	Feb 14, 2017
Title Company	TITLE ONE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$855.70
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3821 GERTRUDE ST DEARBORN MI 481243762, DEARBORN, MI 48124-3762

Mortgage

Document Number	534521140
Date	Jan 9, 2017
Book Page	053452/001140
Instrument	7978

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 8, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 3744 Polk St was $3,725 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		$84,200 (-2.32%)	$168,400 (-2.32%)
2025	$3,725.00 Homeowner's exemption	$86,200	$172,400
2023		$74,900	$149,800
2019	$2,822.00

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

Flood

FEMA maps place 3744 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 3744 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.

Nearby Properties on Polk St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures