731 Ridgemont Ave, Dearborn, MI 48124 Property Records

Wayne County property record for 731 Ridgemont Ave, Dearborn, MI 48124

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.5 ba · 4,221 sqft · built 1949
Lot Size	0.48 acres (20,909 sqft)
Owner	2 Trust Names on File
Last Sale	$420,000 (Nov 2017)
Tax Bill	$10,174 (2025)
Deeds & Mortgages	Apr 2021 Mortgage Sep 2022 Line of Credit + 5 more
Flood Zone	Zone X (minimal risk)
APN	`82-09-201-77-005`

Property Details

APN / Parcel Number

Primary APN	`82-09-201-77-005`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	4,221 sqft Living Area
1st Floor Area	2,034 sqft
Basement Area	1,954 sqft
Unfinished Basement	1,878 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1949
Effective Year Built	Effective 1949
Exterior Material	Brick
Construction Type	Frame
Lot Area	20,909 sqft (0.48 acres)
Lot Dimensions	187 ft deep x 111 ft wide
Garage Area	450 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	None

Location & Zoning

Street Address	731 RIDGEMONT AVE
City	DEARBORN
State	MI
Zip	48124-1220
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA
Legal Description	LOT 36 CHERRY HILL ESTS SUB NO 2
Legal Subdivision	CHERRY HILL ESTATES NO 2
Legal Lot Number	36
Jurisdiction	WAYNE MI
Township / Civil Division	DEARBORN
Census Block Group	1
Census Block	1009
Census Tract	574800

Owner

731 Ridgemont Ave is owner-occupied and held in a trust since January 2026.

Source: Wayne County records, as of September 15, 2026

Owner of Record	2 Trust Names on File
Mailing Address	731 RIDGEMONT AVE, DEARBORN, MI 48124-1220
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

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
Apr 26, 2021	Deed of Trust, Mortgage · Conventional Mortgage THE HUNTINGTON NATIONAL BANK
Sep 8, 2022	Deed of Trust, Mortgage · Line of Credit THE STATE BANK
Dec 23, 2024	Deed of Trust, Mortgage · Construction Mortgage THE HUNTINGTON NATIONAL BANK
Apr 11, 2025	Deed of Trust, Mortgage · Line of Credit THE STATE BANK
Apr 11, 2025	Deed of Trust, Mortgage · SBA Mortgage CHOICEONE BANK
Mar 5, 2026	Intrafamily Transfer, Transfer
Nov 14, 2017	Warranty Deed, Transfer · ARM THE HUNTINGTON NATIONAL BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 14, 2017 · Amount on File
Deed Sale	Nov 14, 2017 · Amount on File
Prior Sale	Mar 29, 1995 · Amount on File
Deed Document Number	2017356448
Deed Book / Page	54062 / 1151
Last Transfer Date	Jan 9, 2026
Transfer Doc	0000057452
Record Updated	Oct 29, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WAYNE MI
Property Address	731 RIDGEMONT AVE, DEARBORN, MI 48124-1220
Transaction Type	Mortgage
Record Updated	Jan 20, 2026
Title Company	TIMIOS INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	731 RIDGEMONT AVE, DEARBORN, MI 48124-1220

Mortgage

Document Number	0566740230
Date	Apr 26, 2021
Book Page	56674/230
Instrument	2021200239

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank
Address	COLUMBUS, OH 43219

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	May 1, 2036

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WAYNE MI
Property Address	731 RIDGEMONT AVE, DEARBORN, MI 48124-1220
Transaction Type	Mortgage
Record Updated	Jan 20, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	731 RIDGEMONT AVE, DEARBORN, MI 48124-1220

Mortgage

Document Number	0578431267
Date	Sep 8, 2022
Book Page	57843/1267
Instrument	2022281231

Lender

Name	THE STATE BANK
Type	Bank
Address	FENTON, MI 48430

Agreement

Type	Line of Credit
Amount	Amount on Record

December 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WAYNE MI
Property Address	731 RIDGEMONT AVE, DEARBORN, MI 48124-1220
Transaction Type	Mortgage
Record Updated	Jan 20, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	731 RIDGEMONT AVE, DEARBORN, MI 48124-1220

Mortgage

Document Number	0592620138
Date	Dec 23, 2024
Book Page	59262/138
Instrument	2025003194

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank
Address	COLUMBUS, OH 43219

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	5.62%
Type Change Date	Jan 1, 2032
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	10.6%
Index	SOFR Average 30-Day
Margin	3
Max Rate	10.6%

April 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WAYNE MI
Property Address	731 RIDGEMONT AVE, DEARBORN, MI 48124-1220
Transaction Type	Mortgage
Record Updated	Jan 20, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	731 RIDGEMONT AVE, DEARBORN, MI 48124-1220

Mortgage

Document Number	0594800388
Date	Apr 11, 2025
Book Page	59480/388
Instrument	2025134288

Lender

Name	THE STATE BANK
Type	Bank
Address	FENTON, MI 48430

Agreement

Type	Line of Credit
Amount	Amount on Record

April 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WAYNE MI
Property Address	731 RIDGEMONT AVE, DEARBORN, MI 48124-1220
Transaction Type	Mortgage
Record Updated	Jan 20, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4585 WASHTENAW AVE, ANN ARBOR, MI 48108-1278

Mortgage

Document Number	0594800400
Date	Apr 11, 2025
Book Page	59480/400
Instrument	2025134289

Lender

Name	CHOICEONE BANK
Type	Bank
Address	PONTIAC, MI 48340

Agreement

Type	SBA Mortgage
Amount	Amount on Record

March 2026: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	WAYNE MI
Recording Date	Mar 5, 2026
Property Address	731 RIDGEMONT AVE, DEARBORN, MI 48124-1220
Document Number	0600880348
Book / Page	60088 / 348
Map Reference	LB 69 PG 99
Instrument Date	Jan 9, 2026
Instrument	2026057452
Transaction Type	Transfer
Record Updated	May 20, 2026

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	731 RIDGEMONT AVE, DEARBORN, MI 48124-1220

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	731 RIDGEMONT AVE, DEARBORN, MI 48124-1220

November 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WAYNE MI
Recording Date	Nov 14, 2017
Property Address	731 RIDGEMONT AVE, DEARBORN, MI 48124-1220
Document Number	0540621151
Book / Page	54062 / 1151
Map Reference	LB69 PG99
Instrument Date	Oct 23, 2017
Instrument	2017356448
Transaction Type	Transfer
Record Updated	May 24, 2021
Title Company	TITLE ONE INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,612.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	16024 SOUTHEPAMTON, 16024, LIVONIA, MI 48154

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	22506 AVONDALE, DEARBORN HEIGHTS, MI 48125

Mortgage

Document Number	2017356449
Date	Nov 14, 2017
Instrument	2017356449

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank

Agreement

Type	ARM
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	3.52%
Type Change Date	Nov 1, 2032
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	8.52%
Index	1-Year LIBOR
Max Rate	8.52%

Tax Assessment & Valuation

The 2025 property tax bill for 731 Ridgemont Ave was $10,174 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		$461,200 (+45.21%)	$922,400 (+45.21%)
2025	$10,174.00 Homeowner's exemption	$317,600	$635,200
2023	$9,420.00 Homeowner's exemption	$269,600	$539,200
2019	$10,199.00

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

Flood

FEMA maps place 731 Ridgemont Ave 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	3 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.

Wildfire

The area around 731 Ridgemont Ave 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 347 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL in parts of the area	5,000 / 5,000
WOW Internet, Cable & Phone Cable	1,200 / 50
Xfinity Cable	1,200 / 35

May also be available: T-Mobile, Verizon.

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