Wayne County property record for 4970 Ternes St, Dearborn, MI 48126
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,080 sqft · built 1941 |
| Lot Size | 0.09 acres (3,920 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $130,000 (Mar 2021) |
| Tax Bill | $3,410 (2025) |
| Deeds & Mortgages | Sep 2022 Mortgage Mar 2021 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 82-10-181-17-014 |
| Primary APN | 82-10-181-17-014 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,080 sqft Living Area |
| 1st Floor Area | 728 sqft |
| Basement Area | 728 sqft |
| Unfinished Basement | 728 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1941 |
|---|---|
| Effective Year Built | Effective 1941 |
| Exterior Material | Brick |
| Construction Type | Frame |
| Lot Area | 3,920 sqft (0.09 acres) |
| Lot Dimensions | 114 ft deep x 35 ft wide |
| Garage Area | 250 sqft |
| Parking Spaces | 1 Parking Space |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 4970 TERNES ST |
|---|---|
| City | DEARBORN |
| State | MI |
| Zip | 48126-3057 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RA |
| Legal Description | LOT 198 INCLUDING HALF OF THE VACATED ALLEY IN THE REAR THEREOF ORCHARD BLVD SUBD |
| Legal Subdivision | ORCHARD BLVD |
| Legal Lot Number | 198 |
| Jurisdiction | WAYNE MI |
| Township / Civil Division | DEARBORN |
| Census Block Group | 1 |
| Census Block | 1001 |
| Census Tract | 573400 |
Source: Wayne County records, as of September 15, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 4970 TERNES ST, DEARBORN, MI 48126-3057 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 19, 2022 | Deed of Trust, Mortgage · SBA Mortgage UNITED STATES SMALL BUSINESS ADMIN |
| Mar 29, 2021 | Deed of Trust, Mortgage · FHA Mortgage NATIONS DIRECT MORTGAGE LLC |
| Mar 29, 2021 | Warranty Deed, Transfer VENTURE TITLE AGENCY |
| Feb 8, 2017 | Deed of Trust, Mortgage · Conventional Mortgage STATE FARM BANK FSB |
| Apr 25, 2019 | Deed of Trust, Mortgage · Commercial Mortgage STATE FARM BANK FSB |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 29, 2021 · Amount on Record |
| Deed Sale | Mar 29, 2021 · Amount on Record |
| Prior Sale | Dec 22, 2009 · Amount on Record |
| Deed Document Number | 2021107291 |
| Deed Book / Page | 56552 / 85 |
| Prior Transfer Date | Sep 19, 1994 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WAYNE MI |
| Property Address | 4970 TERNES ST, DEARBORN, MI 48126-3057 |
| Transaction Type | Mortgage |
| Record Updated | Oct 11, 2022 |
| Name | Verified Name |
|---|---|
| Address | 4970 TERNES ST, DEARBORN, MI 48126-3057 |
| Document Number | 0578571195 |
|---|---|
| Date | Sep 19, 2022 |
| Book Page | 57857/1195 |
| Instrument | 2022287078 |
| Name | UNITED STATES SMALL BUSINESS ADMIN |
|---|---|
| Type | Government Agency |
| Address | BIRMINGHAM, AL 35203 |
| Type | SBA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 177 Months |
| Due | Jun 23, 2037 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WAYNE MI |
| Property Address | 4970 TERNES ST, DEARBORN, MI 48126-3057 |
| Transaction Type | Mortgage |
| Record Updated | Apr 26, 2021 |
| Name | Verified Name |
|---|---|
| Address | 4970 TERNES ST, DEARBORN, MI 48126-3057 |
| Document Number | 0565490837 |
|---|---|
| Date | Mar 29, 2021 |
| Book Page | 56549/837 |
| Instrument | 2021104870 |
| Name | NATIONS DIRECT MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | SANTA ANA, CA 92707 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WAYNE MI |
| Recording Date | Mar 29, 2021 |
| Property Address | 4970 TERNES ST, DEARBORN, MI 48126-3057 |
| Document Number | 0565520085 |
| Book / Page | 56552 / 85 |
| Map Reference | LB 33 PG 13 |
| Instrument Date | Mar 26, 2021 |
| Instrument | 2021107291 |
| Transaction Type | Transfer |
| Record Updated | May 24, 2021 |
| Title Company | VENTURE TITLE AGENCY |
| Amount | Amount Recorded |
|---|---|
| Tax | $1,118.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 4970 TERNES ST, 4970, DEARBORN, MI 48126-3057 |
| Name | Verified Name |
|---|---|
| Address | 4970 TERNES ST, DEARBORN, MI 48126-3057 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WAYNE MI |
| Property Address | 4970 TERNES ST, DEARBORN, MI 48126-3057 |
| Transaction Type | Mortgage |
| Record Updated | Feb 7, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0535120003 |
|---|---|
| Date | Feb 8, 2017 |
| Book Page | 53512/0003 |
| Instrument | 2017040204 |
| Name | STATE FARM BANK FSB |
|---|---|
| Type | Bank |
| Address | EARTH CITY, MO 63045 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Feb 1, 2032 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WAYNE MI |
| Property Address | 4970 TERNES ST, DEARBORN, MI 48126-3057 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | TITLE FIRST AGENCY |
| Name | Verified Name |
|---|
| Document Number | 0550130297 |
|---|---|
| Date | Apr 25, 2019 |
| Book Page | 55013/0297 |
| Instrument | 2019150430 |
| Name | STATE FARM BANK FSB |
|---|---|
| Type | Bank |
| Address | BLOOMINGTON, IL 61710 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | Apr 15, 2044 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
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 | $95,500 (+38.81%) | $191,000 (+38.81%) | |
| 2025 | $3,410.00 (+62.3%) | ||
| 2023 | $68,800 | $137,600 | |
| 2019 | $2,101.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 | 1 (1980) |
| Most Recent Claim | Apr 1980 · tidal / storm surge |
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.
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 836 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 DSL | 100 / 20 |
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