108 W Sub Station Rd, Temperance, MI 48182 Property Records

Monroe County property record for 108 W Sub Station Rd, Temperance, MI 48182

Property Summary

Property Type	Single Family Home
Lot Size	1.33 acres (57,935 sqft)
Owner	2 Individual Names on Record
Last Sale	$230,000 (May 2018)
Tax Bill	$4,698 (2025)
Deeds & Mortgages	Sep 2025 Line of Credit Apr 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`02-023-012-30`

Property Details

APN / Parcel Number

Primary APN	`02-023-012-30`

Exterior

Lot Area	57,935 sqft (1.33 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	108 W SUB STATION RD
City	TEMPERANCE
State	MI
Zip	48182-9520
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SEC 23 T8S R7E 1.326 ACRES COM 1429.94 FT N 89D 54M 18S W FROM SE COR OF NE 1/4 OF SD SEC TH N 0D 2M 37S E 525 FT TH N 89D
Legal Range	07E
Legal Township	08S
Legal Section	23
Jurisdiction	MONROE MI
Township / Civil Division	BEDFORD
Census Block Group	1
Census Block	1002
Census Tract	833500

Owner

Source: Monroe County records, as of September 3, 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 Record
Mailing Address	108 W SUB STATION RD, TEMPERANCE, MI 48182-9520
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 24, 2025	Deed of Trust, Mortgage · Line of Credit DIRECTIONS CU
Apr 28, 2020	Deed of Trust, Mortgage · Conventional Mortgage DIRECTIONS CU
May 22, 2018	Grant Deed, Transfer · Conventional Mortgage DIRECTIONS CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 22, 2018 · Amount on Record
Deed Sale	May 22, 2018 · Amount on Record
Prior Sale	Oct 22, 2001 · Amount on Record
Deed Document Number	20189171
Record Updated	Oct 29, 2026

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE MI
Property Address	108 W SUB STATION RD, TEMPERANCE, MI 48182-9520
Transaction Type	Mortgage
Record Updated	Oct 2, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	108 W SUB STATION RD, TEMPERANCE, MI 48182-9520

Mortgage

Document Number	0000015815
Date	Sep 24, 2025
Instrument	2025R15815

Lender

Name	DIRECTIONS CU
Type	Credit Union
Address	TOLEDO, OH 43604

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Sep 28, 2035

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE MI
Property Address	108 W SUB STATION RD, TEMPERANCE, MI 48182-9520
Document Number	0000008781
Instrument Date	Apr 28, 2020
Transaction Type	Mortgage
Record Updated	Jun 4, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	108 W SUB STATION RD TEMPERANCE MI 481829520, TEMPERANCE, MI 48182-9520

Mortgage

Document Number	0000008781
Date	May 5, 2020
Instrument	8781

Lender

Name	DIRECTIONS CU
Type	Credit Union
Address	TOLEDO, OH 43604

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	May 4, 2040

May 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MONROE MI
Recording Date	May 22, 2018
Property Address	108 W SUB STATION RD, TEMPERANCE, MI 48182-9520
Document Number	0000009171
Instrument Date	May 22, 2018
Instrument	9171
Transaction Type	Transfer
Record Updated	Jun 7, 2018
Title Company	EXECUTIVE TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,978.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	108 W SUB STATION RD TEMPERANCE MI 481829520, TEMPERANCE, MI 48182-9520

Mortgage

Document Number	9172
Date	May 22, 2018
Instrument	9172

Lender

Name	DIRECTIONS CU
Type	Credit Union
Address	MAUMEE, OH 43537

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 21, 2048

Tax Assessment & Valuation

Source: Monroe County assessment roll, as of September 3, 2026

Property Jurisdictions

Type	Name
State	Michigan
County	Monroe County
County Subdivision	Bedford Township
Unified School District	Bedford Public Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$214,500 (+5.2%) Land $214,500	$429,000 (+5.2%) Land $429,000
2025	$4,698.00 (+6.39%) Homeowner's exemption	$203,900 (+28.97%) Land $203,900	$407,800 (+28.97%) Land $407,800
2023	$4,416.00 Homeowner's exemption	$158,100	$316,200

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

Flood

Source: FEMA National Flood Hazard Layer, effective September 8, 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 9 (5% premium discount)
Nearby Flood Policies	9 in force
Nearby Flood Claims	5 (1987–2017)
Most Recent Claim	Mar 2017 · 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	Low lower than 80% of the US · above 51% of Michigan
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 43 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Buckeye Cablesystem Cable	1,000 / 20
Verizon Fixed Wireless	300 / 20
Mercury Fiber Fixed Wireless	150 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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