1132 Twin Lakes Dr, Temperance, MI 48182 Property Records

Monroe County property record for 1132 Twin Lakes Dr, Temperance, MI 48182

Property Summary

Property Type	Single Family Home
Lot Size	0.36 acres (15,682 sqft)
Owner	2 Individual Names on Record
Last Sale	$450,000 (Nov 2025)
Tax Bill	$5,425 (2025)
Deeds & Mortgages	Oct 2025 Mortgage Nov 2025 Sale & Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`02-314-037-00`

Property Details

APN / Parcel Number

Primary APN	`02-314-037-00`
Alternative APN	`580231403700`

Exterior

Lot Area	15,682 sqft (0.36 acres)
Lot Dimensions	160 ft deep x 98.5 ft wide

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	1132 TWIN LAKES DR
City	TEMPERANCE
State	MI
Zip	48182-2318
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HIDDEN LAKES PLAT 1 LOT 37
Legal Subdivision	HIDDEN LAKES SUB
Legal Lot Number	37
Jurisdiction	MONROE MI
Township / Civil Division	BEDFORD
Census Block Group	1
Census Block	1001
Census Tract	833900

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	2015 MONOHAN DR, MONROE, MI 48162-9513
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 30, 2025	Deed of Trust, Mortgage · Conventional Mortgage AMERICAN FINANCIAL NETWORK INC
Nov 3, 2025	Warranty Deed, Transfer · Conventional Mortgage AMERICAN FINANCIAL NETWORK INC
Mar 28, 2023	Warranty Deed, Transfer · Conventional Mortgage CLICK N CLOSE INC
Feb 4, 2022	Intrafamily Transfer, Transfer
Jul 8, 2020	Deed of Trust, Mortgage · Conventional Mortgage MAIN STREET BANK
Dec 7, 2017	Deed, Transfer · Conventional Mortgage CHEMICAL BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 3, 2025 · Amount on Record
Deed Sale	Nov 3, 2025 · Amount on Record
Prior Sale	Mar 28, 2023 · Amount on Record
Deed Document Number	202518166
Prior Transfer Date	Dec 14, 2021
Prior Transfer Doc	0000002637
Record Updated	Oct 29, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE MI
Property Address	1132 TWIN LAKES DR, TEMPERANCE, MI 48182-2318
Transaction Type	Mortgage
Record Updated	Nov 13, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2015 MONOHAN DR, MONROE, MI 48162-9513

Mortgage

Document Number	0000017936
Date	Oct 30, 2025
Instrument	2025R17936

Lender

Name	AMERICAN FINANCIAL NETWORK INC
Type	Funding / Finance Company
Address	BREA, CA 92821

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2055

November 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE MI
Recording Date	Nov 3, 2025
Property Address	1132 TWIN LAKES DR, TEMPERANCE, MI 48182-2318
Document Number	0000018166
Map Reference	LB 21 PG 60
Instrument Date	Oct 28, 2025
Instrument	2025R18166
Transaction Type	Transfer
Record Updated	Apr 3, 2026
Title Company	LAWYERS TITLE AGENCY/MONROE, LAWYERS TITLE AGCY OF MONROE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,375.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1132 TWIN LAKES DR, TEMPERANCE, MI 48182-2318

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2015 MONOHAN DR, MONROE, MI 48162-9513

Mortgage

Document Number	0000017936
Date	Nov 3, 2025
Instrument	2025R17936

Lender

Name	AMERICAN FINANCIAL NETWORK INC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2055

March 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE MI
Recording Date	Mar 28, 2023
Property Address	1132 TWIN LAKES DR, TEMPERANCE, MI 48182-2318
Document Number	0000004051
Map Reference	LB 21 PG 60
Instrument Date	Mar 17, 2023
Instrument	2023R04051
Transaction Type	Transfer
Record Updated	Jul 19, 2023
Title Company	LAWYERS TITLE AGENCY/MONROE, LAWYERS TITLE AGCY OF MONROE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,135.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1132 TWIN LAKES DR, TEMPERANCE, MI 48182-2318

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1132 TWIN LAKES DR, TEMPERANCE, MI 48182-2318

Mortgage

Document Number	0000004052
Date	Mar 28, 2023
Instrument	2023R04052

Lender

Name	CLICK N CLOSE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2053

February 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MONROE MI
Recording Date	Feb 4, 2022
Property Address	1132 TWIN LAKES DR, TEMPERANCE, MI 48182-2318
Document Number	0000002637
Map Reference	LB 21 PG 60
Instrument Date	Dec 14, 2021
Instrument	2022R02637
Transaction Type	Transfer
Record Updated	Jun 7, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	1132 TWIN LAKES DR, TEMPERANCE, MI 48182-2318

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE MI
Property Address	1132 TWIN LAKES DR, TEMPERANCE, MI 48182-2318
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000013177
Date	Jul 8, 2020
Instrument	2020R13177

Lender

Name	MAIN STREET BANK
Type	Bank
Address	FRANKLIN, MI 48025

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2050

December 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	MONROE MI
Recording Date	Dec 7, 2017
Property Address	1132 TWIN LAKES DR, TEMPERANCE, MI 48182-2318
Document Number	2017R24425
Map Reference	LB 21 PG 60
Instrument Date	Dec 6, 2017
Instrument	2017R24425
Transaction Type	Transfer
Record Updated	Jul 13, 2021
Title Company	LAWYERS TITLE

Transaction

Amount	Amount Recorded
Tax	$498.80
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	7325 NETTY RD, 7325, LAMBERTVILLE, MI 48144-8509

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	43065 RIVER BEND DR, PLYMOUTH, MI 48170-3685

Mortgage

Document Number	0000024426
Date	Dec 7, 2017
Instrument	2017R24426

Lender

Name	CHEMICAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	372 Months
Due	Jan 1, 2048

Interest

Rate Type	Fixed Rate

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		$219,400 (+3.64%) Land $219,400	$438,800 (+3.64%) Land $438,800
2025	$5,425.00 Homeowner's exemption	$211,700 (+22.58%) Land $211,700	$423,400 (+22.58%) Land $423,400
2024	$5,425.00 (+22.41%)
2023	$4,432.00 Homeowner's exemption	$172,700	$345,400

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 9 (5% premium discount)
Nearby Flood Policies	7 in force

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 98% of the US · lower than 95% of Michigan
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	MONROE SOUTH COUNTY serves 33,816 people · EPA ID MI0004455
Water Source	Purchased surface water from CITY OF TOLEDO
Last State Inspection	Aug 2025
Lead	1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 224 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Buckeye Cablesystem Cable	1,000 / 20
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30

May also be available: Mercury Fiber.

Cell Coverage

5G (outdoors only) and 4G LTE

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