98 Chalmers Street, Detroit
technical data · neighborhood and transit
Quick answers
- Is 98 Chalmers Street in a flood zone?
- Yes. FEMA maps it in Zone AE, a high-risk flood area with a base flood elevation of 578 ft. Federally backed lenders require flood insurance.
- 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 98 Chalmers Street at risk for?
- FEMA's National Risk Index rates the area very low overall.
Safety and environment
FEMA natural hazard risk
Very Low
No single natural hazard ranks high for this area.
FEMA National Risk Index, census tract
FEMA flood zone
Zone AE
Special Flood Hazard Area: a 1% or higher chance of flooding each year. Base flood elevation 578 ft. Lenders backed by federal programs require flood insurance here. Ask for the elevation certificate and an insurance quote before you commit.
FEMA National Flood Hazard Layer (FIRM)
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
2,250 ft
Carstens ElementaryMiddle School (2,250 ft), Capstone Academy Charter SchoolRiverbend (2,950 ft), Davis Aerospace Technical High School at Golightly (3,550 ft). Confirm the assigned school with the district.
U.S. Department of Education, NCES
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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What's worth checking in person before deciding.
- 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.
- Test water pressure and temperature at the tap, in the bathroom and kitchen, for at least a minute.
- 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.
- Ask what heating system is in place (own boiler, wood, gas) and request the last winter month's bills.
- 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 to see the construction documents (permit, sign-off) and check for visible cracks on the facade or in the attic/basement.
Neighborhood recommendations are derived from public OpenStreetMap data and may be incomplete. Checking in person is still what matters most.