4 Elsmere Street, Detroit
technical data · neighborhood and transit
Quick answers
- What is the 2026 conforming loan limit in Wayne County?
- $832,750 for a single-unit home, per FHFA. Larger loans are jumbo loans.
- Is radon a problem here?
- EPA radon zone 2, moderate potential.
- What natural disasters is 4 Elsmere Street at risk for?
- FEMA's National Risk Index rates the area relatively low overall, with elevated cold wave risk.
Safety and environment
FEMA natural hazard risk
Relatively Low
Highest for this area: cold wave. These drive insurance cost here.
FEMA National Risk Index, census tract
Brownfield site
1,700 ft
2026 Lawndale Street and 1 more within half a mile. Former industrial land in EPA's cleanup and reuse program.
EPA ACRES Brownfields
Toxic release facility
3,750 ft
Rayco Plating Inc and 4 more within a mile. Reports chemical releases to air, water or land to EPA each year.
EPA Toxics Release Inventory
Radon potential
Moderate
Average indoor levels of 2 to 4 pCi/L. EPA still suggests testing ground-floor and basement units.
EPA and USGS Geologic Radon Potential Map
Wildfire risk
Very Low
Wildfire risk is low enough that standard home insurance usually covers it.
FEMA National Risk Index
Nearest public schools
2,100 ft
WAY Academy Vernor Site (2,100 ft), Bennett Elementary School (2,300 ft), Cesar Chavez Academy Elementary (2,950 ft). Confirm the assigned school with the district.
U.S. Department of Education, NCES
Sinkhole-prone ground
Limestone karst
The bedrock here (limestone, Dundee Limestone) can dissolve and open sinkholes. Ask for a geotechnical report and check whether sinkhole coverage is in the insurance policy.
USGS Karst in the United States (OFR 2014-1156)
Conforming loan limit 2026
$832,750
Wayne County. Mortgages up to this amount qualify for Fannie Mae and Freddie Mac pricing. Above it, the loan is a jumbo with stricter terms.
FHFA Conforming Loan Limit Values, one-unit
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More on Elsmere Street
All addressesViewing recommendations
What's worth checking in person before deciding.
- Test water pressure and temperature at the tap, in the bathroom and kitchen, for at least a minute.
- This is a house, not an apartment. Check the lot boundaries, car access, and how water drains from the yard after rain, including whether the neighboring lot sits higher and could send water toward the property.
- Schedule a viewing in the evening too, on a weekday, to see street traffic, streetlights, and how quiet the neighborhood is after 8 PM.
- Check exactly where you'd park: a spot in the yard or garage, or street parking, and how crowded the street gets in the evening.
- Check the sewer connection (public network or septic tank) and the water source (public network or well), including pressure and water quality.
- Check the condition of the fence, yard, and sidewalk out front: who is responsible for upkeep, and whether there are any boundary disputes with neighbors.
- Ask what heating system is in place (own boiler, wood, gas) and request the last winter month's bills.
Neighborhood recommendations are derived from public OpenStreetMap data and may be incomplete. Checking in person is still what matters most.