6321 Ternes St, Dearborn, MI 48126 Property Records

Wayne County property record for 6321 Ternes St, Dearborn, MI 48126

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,200 sqft · built 1966
Lot Size	0.13 acres (5,663 sqft)
Owner	Individual Name on Record
Last Sale	$97,000 (May 2014)
Tax Bill	$2,941 (2025)
Deeds & Mortgages	Jul 2026 Line of Credit Aug 2023 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`82-10-073-07-025`

Property Details

APN / Parcel Number

Primary APN	`82-10-073-07-025`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,200 sqft Living Area
1st Floor Area	816 sqft
Basement Area	816 sqft
Finished Basement	816 sqft
Unfinished Basement	816 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1966
Effective Year Built	Effective 1966
Exterior Material	Brick
Construction Type	Frame
Lot Area	5,663 sqft (0.13 acres)
Lot Dimensions	110 ft deep x 53 ft wide
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	6321 TERNES ST
City	DEARBORN
State	MI
Zip	48126-2076
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA
Legal Description	N 1/2 OF LOT 691 & ALL OF LOT 692 ALBERT P TERNES SUB
Legal Subdivision	ALBERT P TERNES
Legal Lot Number	691-692
Jurisdiction	WAYNE MI
Township / Civil Division	DEARBORN
Census Block Group	2
Census Block	2005
Census Tract	573900

Owner

Source: Wayne County records, as of October 12, 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	6321 TERNES ST, DEARBORN, MI 48126-2076
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 23, 2026	Deed of Trust, Mortgage · Line of Credit LOC FEDERAL CREDIT UNION
Aug 14, 2023	Deed of Trust, Mortgage · Line of Credit LOC FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 22, 2014 · Amount on Record
Deed Sale	May 22, 2014 · Amount on Record
Prior Sale	Mar 13, 2013 · Amount on Record
Deed Document Number	2014264581
Deed Book / Page	51555 / 743
Record Updated	Oct 29, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WAYNE MI
Recording Date	Jul 23, 2026
Property Address	6321 TERNES ST, DEARBORN, MI 48126-2076
Document Number	0000237092
Book / Page	60423 / 543
Instrument Date	Jul 18, 2026
Instrument	2026237092
Transaction Type	Mortgage
Record Updated	Oct 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6321 TERNES ST, DEARBORN, MI 48126-2076

Mortgage

Document Number	0000237092,
Date	Jul 23, 2026
Book Page	60423/543
Instrument	2026237092

Lender

Name	LOC FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WAYNE MI
Property Address	6321 TERNES ST, DEARBORN, MI 48126-2076
Transaction Type	Mortgage
Record Updated	Sep 4, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6321 TERNES ST, DEARBORN, MI 48126-2076

Mortgage

Document Number	0584030255
Date	Aug 14, 2023
Book Page	58403/255
Instrument	2023220913

Lender

Name	LOC FCU
Type	Credit Union
Address	FARMINGTON, MI 48336

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Aug 13, 2048

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

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		$135,400 (-12.13%)	$270,800 (-12.13%)
2025	$2,941.00 (+8.01%) Homeowner's exemption	$154,100 (+47.75%)	$308,200 (+47.75%)
2023	$2,723.00 (-7.63%) Homeowner's exemption	$104,300	$208,600
2019	$2,948.00

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

Flood

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 (2009)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jun 2009 · rainfall accumulation

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

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 909 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable · Fiber in parts of the area	2,000 / 250
WOW Internet, Cable & Phone Cable	1,200 / 50
Verizon Fixed Wireless	1,000 / 75
AT&T Fixed Wireless · DSL · Fiber in parts of the area	100 / 20

May also be available: T-Mobile.

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