1185 W Dean Rd, Temperance, MI 48182 Property Records

Monroe County property record for 1185 W Dean Rd, Temperance, MI 48182

Property Summary

Property Type	Single Family Home
Lot Size	0.5 acres (21,780 sqft)
Owner	2 Individual Names on File
Tax Bill	$3,016 (2025)
Deeds & Mortgages	Jul 2020 Mortgage Jun 2019 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`02-027-021-00`

Property Details

APN / Parcel Number

Primary APN	`02-027-021-00`

Exterior

Lot Area	21,780 sqft (0.5 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	1185 W DEAN RD
City	TEMPERANCE
State	MI
Zip	48182-9271
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	NW 1/4 OF THE NE 1/4 OF SEC 27, T 8 S, R 7 E, BEDFORD TWP, MONROE CO, MICHIGAN COMM AT A POINT 1291.50 FT, S 89 D, 33M, E
Legal Range	07E
Legal Township	08S
Legal Section	27
Jurisdiction	MONROE MI
Township / Civil Division	BEDFORD
Census Block Group	1
Census Block	1000
Census Tract	833800

Owner

1185 W Dean Rd is owned and occupied by two individuals.

Source: Monroe County records, as of September 3, 2026

Owner of Record	2 Individual Names on File
Mailing Address	1185 W DEAN RD, TEMPERANCE, MI 48182-9271
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jul 28, 2020	Deed of Trust, Mortgage · Conventional Mortgage DIRECTIONS CU
Jun 21, 2019	Deed of Trust, Mortgage · Line of Credit GENOA BKNG

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE MI
Property Address	1185 W DEAN RD, TEMPERANCE, MI 48182-9271
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000014670
Date	Jul 28, 2020
Instrument	2020R14670

Lender

Name	DIRECTIONS CU
Type	Credit Union
Address	TOLEDO, OH 43604

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	241 Months
Due	Aug 1, 2040

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE MI
Property Address	1185 W DEAN RD, TEMPERANCE, MI 48182-9271
Document Number	0000011632
Instrument Date	Jun 21, 2019
Transaction Type	Mortgage
Record Updated	Aug 12, 2019
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	1185 W DEAN RD TEMPERANCE MI 481829271, TEMPERANCE, MI 48182-9271

Mortgage

Document Number	0000011632
Date	Jul 15, 2019
Instrument	11632

Lender

Name	GENOA BKNG
Type	Funding / Finance Company
Address	GENOA, OH 43430

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	120 Months
Due	Jul 14, 2029

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 1185 W Dean Rd was $3,016 with a homeowner's exemption.

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		$152,600 Land $152,600	$305,200 Land $305,200
2025	$3,016.00 Homeowner's exemption
2023	$2,684.00 Homeowner's exemption	$126,800	$253,600

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

Flood

FEMA maps place 1185 W Dean Rd in Zone X, an area of minimal flood risk, though there have been 5 flood claims nearby since 1989.

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
Flood Insurance Cost	Premium on File median of 15 policies
Community Rating System	Class 9 (5% premium discount)
Nearby Flood Policies	15 in force
Nearby Flood Claims	5 (1989–2017)
Claims Outside the SFHA	2 of 5
Most Recent Claim	Jul 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

Wildfire risk around 1185 W Dean Rd is low, with a 0.01% annual chance of 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.

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 168 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
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, Mercury Fiber.

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