Wayne County property record for 4640 Palmer St, Dearborn, MI 48126
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 1,947 sqft · built 2005 |
| Lot Size | 0.09 acres (3,920 sqft) |
| Owner | Individual Name on File |
| Last Sale | $183,000 (Sep 2020) |
| Tax Bill | $4,693 (2025) |
| Deeds & Mortgages | Apr 2026 Mortgage Jun 2023 Transfer + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 82-09-134-12-004 |
| Primary APN | 82-09-134-12-004 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 5 Rooms |
| Stories | 2 Stories |
| Building Area | 1,947 sqft Living Area |
| 1st Floor Area | 968 sqft |
| Basement Area | 968 sqft |
| Unfinished Basement | 968 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2005 |
|---|---|
| Effective Year Built | Effective 2005 |
| Architectural Style | Custom Design |
| Exterior Material | Other |
| Foundation Type | Concrete |
| Lot Area | 3,920 sqft (0.09 acres) |
| Lot Dimensions | 108 ft deep x 35 ft wide |
| Garage Area | 420 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 4640 PALMER ST |
|---|---|
| City | DEARBORN |
| State | MI |
| Zip | 48126-4118 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RA |
| Legal Description | LOT 285 INCLUDING HALF OF THE VACATED ALLEY IN THE REAR THEREOF SCHAEFER HEIGHTS SUB SEC 13 |
| Legal Subdivision | SCHAEFER HEIGHTS |
| Legal Lot Number | 285 |
| Jurisdiction | WAYNE MI |
| Township / Civil Division | DEARBORN |
| Census Block Group | 1 |
| Census Block | 1013 |
| Census Tract | 574301 |
4640 Palmer St is owned and occupied by an individual who acquired it in April 2025.
Source: Wayne County records, as of October 9, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 4640 PALMER ST, DEARBORN, MI 48126-4118 |
| 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.
| Date | Document |
|---|---|
| Apr 6, 2026 | Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Jun 28, 2023 | Intrafamily Transfer, Transfer |
| Sep 18, 2020 | Quit Claim Deed, Transfer NOT AVAILABLE |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 18, 2020 · Amount on File |
| Deed Sale | Sep 18, 2020 · Amount on File |
| Prior Sale | Mar 8, 2011 · Amount on File |
| Deed Document Number | 2020242774 |
| Deed Book / Page | 55988 / 454 |
| Last Transfer Date | Apr 9, 2025 |
| Transfer Doc | 0594760770 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WAYNE MI |
| Recording Date | Apr 6, 2026 |
| Property Address | 4640 PALMER ST, DEARBORN, MI 48126-4118 |
| Document Number | 0000149875 |
| Book / Page | 60204 / 478 |
| Instrument Date | Mar 30, 2026 |
| Instrument | 2026149875 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Relationship | Sole Owner, 167 |
| Address | 4640 PALMER ST, DEARBORN, MI 48126-4118 |
| Document Number | 0000149875, |
|---|---|
| Date | Apr 6, 2026 |
| Book Page | 60204/478 |
| Instrument | 2026149875 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 5.98% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | WAYNE MI |
| Recording Date | Jun 28, 2023 |
| Property Address | 4640 PALMER ST, DEARBORN, MI 48126-4118 |
| Document Number | 0583211450 |
| Book / Page | 58321 / 1450 |
| Map Reference | LB 32 PG 82 |
| Instrument Date | Jun 14, 2023 |
| Instrument | 2023179890 |
| Transaction Type | Transfer |
| Record Updated | Jul 26, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 5068 ORCHARD AVE, DEARBORN, MI 48126-4618 |
| Name | Verified Name |
|---|---|
| Address | 4640 PALMER ST, DEARBORN, MI 48126-4118 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | WAYNE MI |
| Recording Date | Sep 18, 2020 |
| Property Address | 4640 PALMER ST, DEARBORN, MI 48126-4118 |
| Document Number | 0559880454 |
| Book / Page | 055988 / 000454 |
| Instrument Date | Sep 11, 2020 |
| Instrument | 242774 |
| Transaction Type | Transfer |
| Record Updated | Dec 1, 2020 |
| Title Company | NOT AVAILABLE |
| Amount | Amount on Record |
|---|---|
| Tax | $1,574.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 5068 ORCHARD ST DEARBORN MI 48126, DEARBORN, MI 48126 |
The 2025 property tax bill for 4640 Palmer St was $4,693 with a homeowner's exemption.
Source: Wayne County assessment roll, as of September 15, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Wayne County |
| Municipality | Dearborn City |
| Unified School District | Dearborn City School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $213,200 (+45.93%) | $426,400 (+45.93%) | |
| 2025 | $4,693.00 Homeowner's exemption | $146,100 | $292,200 |
| 2023 | $175,000 (+3.73%) | $350,000 (+3.73%) | |
| 2022 | $168,700 | $337,400 | |
| 2019 | $5,596.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 4640 Palmer St in Zone X, an area of minimal flood risk.
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 Policies | 1 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.
The area around 4640 Palmer 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 975 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| WOW Internet, Cable & Phone Cable | 1,200 / 50 |
| Verizon Fixed Wireless | 1,000 / 75 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless · DSL | 100 / 20 |
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