10954 Otter Rd, Carleton, MI 48117 Property Records

Monroe County property record for 10954 Otter Rd, Carleton, MI 48117

Property Summary

Property Type	Single Family Home
Lot Size	2.75 acres (119,790 sqft)
Owner	2 Individual Names on Record
Last Sale	$275,000 (Sep 2018)
Tax Bill	$4,333 (2025)
Deeds & Mortgages	Aug 2022 Mortgage Mar 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`01-028-002-10`

Property Details

APN / Parcel Number

Primary APN	`01-028-002-10`

Exterior

Lot Area	119,790 sqft (2.75 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	10954 OTTER RD
City	CARLETON
State	MI
Zip	48117-9039
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	A PARCEL OF LAND BEING PART OF THE NE 1/4 OF SEC 28, T5S R9E, COM AT THE NW COR OF THE NE 1/4 OF SEC 28; TH S 00 DEG 07' 21"
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, 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	10954 OTTER RD, CARLETON, MI 48117-9039
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 18, 2022	Deed of Trust, Mortgage · Conventional Mortgage MORTGAGE CENTER LLC
Mar 24, 2020	Deed of Trust, Mortgage · Conventional with PMI MORTGAGE CENTRE
Sep 7, 2018	Warranty Deed, Transfer · Conventional with PMI MORTGAGE CTR LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 7, 2018 · Amount on Record
Deed Sale	Sep 7, 2018 · Amount on Record
Deed Document Number	201816549
Record Updated	Oct 29, 2026

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE MI
Property Address	10954 OTTER RD, CARLETON, MI 48117-9039
Transaction Type	Mortgage
Record Updated	Sep 15, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10954 OTTER RD, CARLETON, MI 48117-9039

Mortgage

Document Number	0000016648
Date	Aug 18, 2022
Instrument	2022R16648

Lender

Name	MORTGAGE CENTER LLC
Type	Mortgage Company
Address	SOUTHFIELD, MI 48076

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	179 Months
Due	Jul 1, 2037

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE MI
Property Address	10954 OTTER RD, CARLETON, MI 48117-9039
Document Number	0000009046
Instrument Date	Mar 24, 2020
Transaction Type	Mortgage
Record Updated	Jun 4, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	10954 OTTER RD CARLETON MI 481179039, CARLETON, MI 48117-9039

Mortgage

Document Number	0000009046
Date	May 7, 2020
Instrument	9046

Lender

Name	MORTGAGE CENTRE
Type	Mortgage Company
Address	SOUTHFIELD, MI 48076

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	May 6, 2050

September 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE MI
Recording Date	Sep 7, 2018
Property Address	10954 OTTER RD, CARLETON, MI 48117-9039
Document Number	0000016549
Instrument Date	Aug 28, 2018
Instrument	16549
Transaction Type	Transfer
Record Updated	Jan 15, 2019
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,365.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	10954 OTTER RD CARLETON MI 481179039, CARLETON, MI 48117-9039

Mortgage

Document Number	15688
Date	Sep 7, 2018
Instrument	15688

Lender

Name	MORTGAGE CTR LLC
Type	Mortgage Company
Address	SOUTHFIELD, MI 48076

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Sep 6, 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	Ash Township
Unified School District	Airport Community School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$217,500 (+53.82%) Land $217,500	$435,000 (+53.82%) Land $435,000
2025	$4,333.00 (+29.23%) Homeowner's exemption
2023	$3,353.00 Homeowner's exemption	$141,400	$282,800

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
Nearby Flood Policies	1 in force
Nearby Flood Claims	1 (1982)
Most Recent Claim	Mar 1982 · tidal / storm surge

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 21 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Mercury Fiber, Verizon.

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