822 Duncan St, Ann Arbor, MI 48103 Property Records

Washtenaw County property record for 822 Duncan St, Ann Arbor, MI 48103

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,515 sqft · built 1951
Lot Size	0.134 acres (5,837 sqft)
Owner	Individual Name on Record
Last Sale	$620,000 (Aug 2026)
Tax Bill	$10,338 (2025)
Deeds & Mortgages	Aug 2026 Sale & Mortgage Mar 2026 Line of Credit + 5 more
Flood Zone	Zone X (minimal risk)
APN	`09-09-19-318-045`

Property Details

APN / Parcel Number

Primary APN	`09-09-19-318-045`
Alternative APN	`0919318045`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,515 sqft Living Area
Basement Area	800 sqft
Unfinished Basement	800 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1951
Effective Year Built	Effective 1951
Lot Area	5,837 sqft (0.134 acres)
Lot Dimensions	119 ft deep x 49 ft wide
Garage Area	280 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	822 DUNCAN ST
City	ANN ARBOR
State	MI
Zip	48103-3568
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1D
Legal Description	LOT 137 EXC BEG SE COR TH N 2 FT ALG E L TH W TO SW COR TH E ALG S L TO POB ALSO PRT LOT 138 BEG SE COR TH N 2 FT ALG E L TH
Legal Range	6E
Legal Township	2S
Legal Section	19
Legal Subdivision	ARBOR HEIGHTS SUBDIVISION #2
Legal Block	318
Legal Lot Number	137-138
Jurisdiction	WASHTENAW MI
Township / Civil Division	ANN ARBOR
Census Block Group	2
Census Block	2006
Census Tract	403400

Owner

Source: Washtenaw County records, as of September 1, 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	2307 WALTER DR, ANN ARBOR, MI 48103-3452
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 21, 2026	Warranty Deed, Transfer · Conventional Mortgage STAUNTON FINANCIAL INC
Mar 17, 2026	Deed of Trust, Mortgage · Line of Credit BANK OF ANN ARBOR
Sep 30, 2021	Deed of Trust, Mortgage · Conventional Mortgage BANK OF ANN ARBOR
Nov 20, 2017	Deed of Trust, Mortgage · Conventional Mortgage STAUNTON FINANCIAL INC
Jul 30, 2019	Deed of Trust, Mortgage · Conventional Mortgage GOLD STAR MORTGAGE FINANCIAL GROUP CORP
May 29, 2018	Warranty Deed, Transfer · Conventional Mortgage GOLD STAR MORTGAGE FINANCIAL GROUP
Dec 13, 2017	Warranty Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 21, 2026 · Amount on Record
Deed Sale	Aug 21, 2026 · Amount on Record
Prior Sale	May 29, 2018 · Amount on Record
Deed Document Number	20266807503
Deed Book / Page	5640 / 518
Prior Transfer Date	Aug 31, 2009
Prior Transfer Doc	0005917498
Record Updated	Oct 29, 2026

August 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WASHTENAW MI
Recording Date	Aug 21, 2026
Property Address	822 DUNCAN ST, ANN ARBOR, MI 48103-3568
Document Number	0006807503
Book / Page	5640 / 518
Instrument Date	Aug 17, 2026
Instrument	20266807503
Transaction Type	Transfer
Record Updated	Sep 1, 2026
Title Company	AMERICAN R TITLE, AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$469,650.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2307 WALTER DR, ANN ARBOR, MI 48103-3452

Mortgage

Document Number	0006807504,
Date	Aug 21, 2026
Instrument	20266807504

Lender

Name	STAUNTON FINANCIAL INC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WASHTENAW MI
Property Address	822 DUNCAN ST, ANN ARBOR, MI 48103-3568
Transaction Type	Mortgage
Record Updated	Apr 10, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	822 DUNCAN ST, ANN ARBOR, MI 48103-3568

Mortgage

Document Number	0006788322
Date	Mar 17, 2026
Book Page	5621/320
Instrument	6788322

Lender

Name	BANK OF ANN ARBOR
Type	Bank
Address	ANN ARBOR, MI 48103

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WASHTENAW MI
Property Address	822 DUNCAN ST, ANN ARBOR, MI 48103-3568
Transaction Type	Mortgage
Record Updated	Oct 11, 2021
Title Company	PREFERRED TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	822 DUNCAN ST, ANN ARBOR, MI 48103-3568

Mortgage

Document Number	0006614607
Date	Sep 30, 2021
Book Page	5447/799
Instrument	6614607

Lender

Name	BANK OF ANN ARBOR
Type	Bank
Address	ANN ARBOR, MI 48104

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Oct 1, 2041

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WASHTENAW MI
Property Address	822 DUNCAN ST, ANN ARBOR, MI 48103-3568
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0006400272
Date	Nov 20, 2017
Book Page	5233/600
Instrument	6400272

Lender

Name	STAUNTON FINANCIAL INC
Type	Non-Lending Institution
Address	SOUTHFIELD, MI 48075

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2047

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WASHTENAW MI
Property Address	822 DUNCAN ST, ANN ARBOR, MI 48103-3568
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	ATTORNEYS TITLE AGENCY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0006480248
Date	Jul 30, 2019
Book Page	5313/502
Instrument	6480248

Lender

Name	GOLD STAR MORTGAGE FINANCIAL GROUP CORP
Type	Mortgage Company
Address	ANN ARBOR, MI 48108

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2049

May 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WASHTENAW MI
Recording Date	May 29, 2018
Property Address	822 DUNCAN ST, ANN ARBOR, MI 48103-3568
Document Number	0006425668
Book / Page	5258 / 958
Map Reference	LB11 PG9&10
Instrument Date	May 18, 2018
Instrument	6425668
Transaction Type	Transfer
Record Updated	May 27, 2021
Title Company	PREFERRED TITLE AGENCY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,171.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	822 DUNCAN ST, ANN ARBOR, MI 48103-3568
Investor	Possibly a Property Investor

Mortgage

Document Number	0006425669
Date	May 29, 2018
Instrument	6425669

Lender

Name	GOLD STAR MORTGAGE FINANCIAL GROUP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2048

December 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WASHTENAW MI
Recording Date	Dec 13, 2017
Property Address	822 DUNCAN ST, ANN ARBOR, MI 48103-3568
Document Number	0006403451
Book / Page	005236 / 000782
Instrument Date	Oct 13, 2017
Instrument	6403451
Transaction Type	Transfer
Record Updated	Jan 3, 2018
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Tax	$500.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8240 WEBSTER DR DEXTER MI 481309394, DEXTER, MI 48130-9394

Tax Assessment & Valuation

Source: Washtenaw County assessment roll, as of August 17, 2026

Property Jurisdictions

Type	Name
State	Michigan
Municipality	Ann Arbor City
County	Washtenaw County
Unified School District	Ann Arbor Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$246,800 (+8.72%)	$493,600 (+8.72%)
2025	$10,338.00 Homeowner's exemption	$227,000	$454,000

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective May 21, 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
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	2 in force
Nearby Flood Claims	3 (2001–2011)
Most Recent Claim	Aug 2011 · 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	ANN ARBOR serves 123,851 people · EPA ID MI0000220
Water Source	Surface water
Last State Inspection	Oct 2025
Lead	2 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 584 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless, DSL in parts of the area	5,000 / 5,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	1,000 / 75
T-Mobile Fixed Wireless	100 / 20

May also be available: Mercury Fiber.

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