10640 Otter Rd, Carleton, MI 48117 Property Records

Monroe County property record for 10640 Otter Rd, Carleton, MI 48117

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,056 sqft · built 1968
Lot Size	1.32 acres (57,717 sqft)
Owner	2 Individual Names on File
Tax Bill	$17 (2025)
Deeds & Mortgages	Jul 2021 Line of Credit Jul 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`01-028-008-00`

Property Details

APN / Parcel Number

Primary APN	`01-028-008-00`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Building Area	1,056 sqft Living Area
1st Floor Area	1,056 sqft
Basement Area	1,056 sqft

Exterior

Year Built	Built 1968
Effective Year Built	Effective 1968
Architectural Style	Cape Cod
Lot Area	57,717 sqft (1.32 acres)
Lot Dimensions	221 ft deep x 131 ft wide

Utilities, Heating & Cooling

Cooling System	None
Heating System	Forced Air with A/C

Location & Zoning

Street Address	10640 OTTER RD
City	CARLETON
State	MI
Zip	48117-9039
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	10640 OTTER RD SEC 28 T5S R9E 0.6687 A COM 682.81 FT N FR CEN OF SEC 28 TH N 131.61 FT TH E 221 FT TH S 132.01 FT TH N 89DEG
Legal Range	09E
Legal Township	05S
Legal Section	28
Jurisdiction	MONROE MI
Township / Civil Division	ASH
Census Block Group	3
Census Block	3025
Census Tract	830300

Owner

Source: Monroe County records · APN 01-028-008-00

Assessment roll updated August 15, 2025 · Last verified August 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on File
Mailing Address	10640 OTTER RD, CARLETON, MI 48117-9039
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Life Estate

Deeds, Mortgages & Sale History

Date	Document
Jul 12, 2021	Deed of Trust, Mortgage · Line of Credit FIFTH THIRD BANK NA
Jul 07, 2021	Deed of Trust, Mortgage FIFTH THIRD BANK NA

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Transfer Date	May 20, 2025
Transfer Doc	0000008245
Record Updated	Sep 20, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE MI
Property Address	10640 OTTER RD, CARLETON, MI 48117-9039
Transaction Type	Mortgage
Record Updated	Aug 25, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10640 OTTER RD, CARLETON, MI 48117-9039

Mortgage

Document Number	2021R18131
Date	Jul 12, 2021
Instrument	2021R18131

Lender

Name	FIFTH THIRD BANK NA
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE MI
Property Address	10640 OTTER RD, CARLETON, MI 48117-9039
Transaction Type	Mortgage
Record Updated	Aug 19, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10640 OTTER RD, CARLETON, MI 48117-9039

Mortgage

Document Number	2021R17716
Date	Jul 07, 2021
Instrument	2021R17716

Lender

Name	FIFTH THIRD BANK NA
Type	Bank
Address	GRAND RAPIDS, MI 49546

Agreement

Amount	Amount Recorded
Term	179 Months
Due	Jun 01, 2036

Tax Assessment & Valuation

Source: Monroe County records · Assessment roll updated August 15, 2025 · Last verified August 2026

Property Jurisdictions

Type	Name
State	Michigan
County	Monroe County
County Subdivision	Ash Township
Unified School District	Airport Community School District (PK - 12)

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$157,500 (+41.64%)	$315,000 (+41.64%)
2025	$17.00 (-99.24%) Homeowner's exemption
2023	$2,228.00 Homeowner's exemption	$111,200	$222,400

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of September 8, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force
Nearby Flood Claims	1 (1982)
Most Recent Claim	Mar 1982 · tidal / storm surge

Wildfire

Wildfire Risk	Low lower than 97% of the US · lower than 93% of Michigan
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
Mercury Broadband Fixed Wireless	150 / 20
T-Mobile USA Fixed Wireless	100 / 20

May also be available: AT&T, Spectrum.

Based on FCC filings for 17 locations within half a mile of this property.

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