3851 Madison St, Dearborn, MI 48124 Property Records

Wayne County property record for 3851 Madison St, Dearborn, MI 48124

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,152 sqft · built 1948
Lot Size	0.23 acres (10,019 sqft)
Owner	Individual Name on File
Last Sale	$98,000 (Jan 2016)
Tax Bill	$3,139 (2025)
Deeds & Mortgages	May 2019 Loan Modification May 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`82-09-331-26-013`

Property Details

APN / Parcel Number

Primary APN	`82-09-331-26-013`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,152 sqft Living Area
1st Floor Area	771 sqft
Basement Area	771 sqft
Unfinished Basement	771 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1948
Effective Year Built	Effective 1948
Exterior Material	Brick
Construction Type	Frame
Foundation Type	Concrete
Lot Area	10,019 sqft (0.23 acres)
Lot Dimensions	165 ft deep x 60 ft wide
Garage Area	320 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	3851 MADISON ST
City	DEARBORN
State	MI
Zip	48124-3309
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA
Legal Description	LOT 1 GRINDLEY PARK SUB
Legal Subdivision	GRINDLEY PARK
Legal Lot Number	1
Jurisdiction	WAYNE MI
Township / Civil Division	DEARBORN
Census Block Group	2
Census Block	2017
Census Tract	575300

Owner

3851 Madison St is owned and occupied by an individual who bought it in January 2016.

Source: Wayne County records, as of September 22, 2026

Owner of Record	Individual Name on File
Mailing Address	3851 MADISON ST, DEARBORN, MI 48124-3309
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
May 9, 2019	Loan Modification, Mortgage · Conventional Mortgage WELLS FARGO BK
May 9, 2019	Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 28, 2016 · Amount on File
Deed Sale	Jan 28, 2016 · Amount on File
Prior Sale	Feb 14, 2011 · Amount on File
Deed Document Number	201653576
Deed Book / Page	52770 / 1227
Prior Transfer Date	Mar 18, 2011
Prior Transfer Doc	0490310363
Record Updated	Oct 29, 2026

May 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	WAYNE MI
Property Address	3851 MADISON ST, DEARBORN, MI 48124-3309
Document Number	0551850174
Instrument Date	May 9, 2019
Transaction Type	Mortgage
Record Updated	Aug 30, 2019
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3851 MADISON ST DEARBORN MI 481243309, DEARBORN, MI 48124-3309

Mortgage

Document Number	0551850174
Date	Jul 30, 2019
Book Page	055185/000174
Instrument	228888

Lender

Name	WELLS FARGO BK
Type	Bank
Address	DES MOINES, IA 50328

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 29, 2049

Interest

Rate	4.75%

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WAYNE MI
Property Address	3851 MADISON ST, DEARBORN, MI 48124-3309
Document Number	0551561458
Instrument Date	May 9, 2019
Transaction Type	Mortgage
Record Updated	Aug 16, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3851 MADISON ST DEARBORN MI 481243309, DEARBORN, MI 48124-3309

Mortgage

Document Number	0551561458
Date	Jul 16, 2019
Book Page	055156/001458
Instrument	216794

Lender

Name	HUD-HOUSING/URBAN DEV
Address	451 7TH ST SW, WASHINGTON, DC 20410-0001

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 15, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 3851 Madison St was $3,139 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		$114,500 (+13.82%)	$229,000 (+13.82%)
2025	$3,139.00 Homeowner's exemption	$100,600	$201,200
2023		$80,400	$160,800
2019	$3,147.00

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

Flood

FEMA maps place 3851 Madison St in Zone X, an area of minimal flood risk, though there have been 8 flood claims nearby since 1985.

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	8 (1985–2018)
Claims Outside the SFHA	2 of 8
Most Recent Claim	Aug 2018 · other causes
Claims by Event	Severe Storms And Flooding, Aug 2014 · 5 claims

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 3851 Madison 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 871 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL · Fixed Wireless in parts of the area	5,000 / 5,000
Xfinity Cable	2,000 / 250
WOW Internet, Cable & Phone Cable	1,200 / 50
Verizon Fixed Wireless	1,000 / 75

May also be available: 123.NET, T-Mobile.

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