638 Oak St, Dundee, MI 48131 Property Records

Monroe County property record for 638 Oak St, Dundee, MI 48131

Property Summary

Property Type	Single Family Home
Details	1 ba
Lot Size	0.59 acres (25,700 sqft)
Owner	Individual Name on File
Last Sale	$93,500 (May 1998)
Tax Bill	$2,369 (2025)
Deeds & Mortgages	Jan 2026 Second Mortgage Jun 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`42-040-319-00`

Property Details

APN / Parcel Number

Primary APN	`42-040-319-00`

Interior

Full Baths	1 Bath

Exterior

Architectural Style	Colonial
Lot Area	25,700 sqft (0.59 acres)

Utilities, Heating & Cooling

Cooling System	None
Heating System	Forced Air with A/C

Location & Zoning

Street Address	638 OAK ST
City	DUNDEE
State	MI
Zip	48131-1319
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	963-554 1004-195 1117-644 1328-53 & 54 SEC 24 T6S R6E .594 AC COM AT NE COR OF SEC 24 TH 843.54 FT S 01 DEG 30'00"E TO A POB
Legal Range	06E
Legal Township	06S
Legal Section	24
Jurisdiction	MONROE MI
Township / Civil Division	DUNDEE
Census Block Group	3
Census Block	3021
Census Tract	830801

Owner

638 Oak St is owned and occupied by an individual who bought it in May 1998.

Source: Monroe County records, as of September 3, 2026

Owner of Record	Individual Name on File
Mailing Address	638 OAK ST, DUNDEE, MI 48131-1319
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
Jan 22, 2026	Deed of Trust, Mortgage · Stand-Alone Second Mortgage ROCKET MORTGAGE LLC
Jun 8, 2020	Deed of Trust, Mortgage · FHA Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 5, 1998 · Amount on File
Deed Sale	May 5, 1998 · Amount on File
Record Updated	Oct 29, 2026

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE MI
Property Address	638 OAK ST, DUNDEE, MI 48131-1319
Transaction Type	Mortgage
Record Updated	Jan 30, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	638 OAK ST, DUNDEE, MI 48131-1319

Mortgage

Document Number	0000001211
Date	Jan 22, 2026
Instrument	2026R01211

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	241 Months
Due	Feb 1, 2046

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE MI
Property Address	638 OAK ST, DUNDEE, MI 48131-1319
Document Number	0000011349
Instrument Date	Jun 8, 2020
Transaction Type	Mortgage
Record Updated	Jul 9, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	638 OAK ST DUNDEE MI 481311319, DUNDEE, MI 48131-1319

Mortgage

Document Number	0000011349
Date	Jun 12, 2020
Instrument	11349

Lender

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

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 11, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 638 Oak St was $2,369.

Source: Monroe County assessment roll, as of September 3, 2026

Property Jurisdictions

Type	Name
State	Michigan
County	Monroe County
County Subdivision	Dundee Township
Municipality	Dundee Village
Unified School District	Dundee Community Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$109,840 Land $109,840	$219,680 Land $219,680
2025	$2,369.00
2023	$2,078.00	$76,200	$152,400

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

Flood

FEMA maps place 638 Oak St in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2011.

Source: FEMA National Flood Hazard Layer, effective September 8, 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	4 in force
Nearby Flood Claims	2 (2011–2015)
Most Recent Claim	Jun 2015 · 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

Wildfire risk around 638 Oak St is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 98% of the US · lower than 95% of Michigan
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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	DUNDEE serves 5,400 people · EPA ID MI0001880
Water Source	Purchased surface water from MONROE
Last State Inspection	Aug 2024
Lead	Under 1 ppb (2026) 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 268 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
D&P Communications Cable · Fiber in parts of the area	250 / 25
MetaLINK Technologies Fixed Wireless	200 / 50
Mercury Fiber Fixed Wireless	150 / 20

May also be available: Frontier, Spectrum.

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