Monroe County property record for 1187 Ernest St, Temperance, MI 48182
| Property Type | Single Family Home |
|---|---|
| Lot Size | 0.3 acres (13,068 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $1,371 (2025) |
| Deeds & Mortgages | Aug 2023 Mortgage May 2019 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 02-570-035-10 |
| Primary APN | 02-570-035-10 |
|---|
| Lot Area | 13,068 sqft (0.3 acres) |
|---|
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 1187 ERNEST ST |
|---|---|
| City | TEMPERANCE |
| State | MI |
| Zip | 48182-1220 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SUPERVISOR'S PLAT OF HAZELDELL FARM W 100 OF E 205 FT OF LOT 39 & PART OF LOT 40 DESC AS COM 155 FT N 89D 19M W & 107 FT S 2D |
| Legal Subdivision | SUPRVRS OF HAZELDELL FARMS |
| Legal Lot Number | 39-40 |
| Jurisdiction | MONROE MI |
| Township / Civil Division | BEDFORD |
| Census Block Group | 1 |
| Census Block | 1015 |
| Census Tract | 833900 |
1187 Ernest St is owned and occupied by an individual.
Source: Monroe County records, as of September 3, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 1187 ERNEST ST, TEMPERANCE, MI 48182-1220 |
| 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.
| Date | Document |
|---|---|
| Aug 2, 2023 | Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC |
| May 24, 2019 | Deed of Trust, Mortgage · Conventional Mortgage AMERICAN ADVISORS |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE MI |
| Property Address | 1187 ERNEST ST, TEMPERANCE, MI 48182-1220 |
| Transaction Type | Mortgage |
| Record Updated | Aug 18, 2023 |
| Name | Verified Name |
|---|---|
| Address | 1187 ERNEST ST, TEMPERANCE, MI 48182-1220 |
| Document Number | 0000011487 |
|---|---|
| Date | Aug 2, 2023 |
| Instrument | 2023R11487 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 1, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE MI |
| Property Address | 1187 ERNEST ST, TEMPERANCE, MI 48182-1220 |
| Document Number | 0000009105 |
| Instrument Date | May 24, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Jun 17, 2019 |
| Title Company | COVIUS SETTLEMENT SERVICES LLC, COVIUS SETTLEMENT SVCS LLC |
| Name | Verified Name |
|---|---|
| Address | 1187 ERNEST ST TEMPERANCE MI 481821220, TEMPERANCE, MI 48182-1220 |
| Document Number | 0000009105 |
|---|---|
| Date | Jun 3, 2019 |
| Instrument | 9105 |
| Name | AMERICAN ADVISORS |
|---|---|
| Address | ORANGE, CA 92868 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 2, 2049 |
The 2025 property tax bill for 1187 Ernest St was $1,371 with a homeowner's exemption.
Source: Monroe County assessment roll, as of September 3, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Monroe County |
| County Subdivision | Bedford Township |
| Unified School District | Bedford Public Schools (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $81,100 (-0.49%) Land $81,100 | $162,200 (-0.49%) Land $162,200 | |
| 2025 | $1,371.00 Homeowner's exemption | $81,500 Land $81,500 | $163,000 Land $163,000 |
| 2023 | $1,227.00 Homeowner's exemption | $66,600 | $133,200 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1187 Ernest St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 risk around 1187 Ernest St is low, with less than 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 98% of the US · lower than 95% of Michigan |
|---|---|
| Wildfire Likelihood | Under 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.
Source: FCC Broadband Data Collection, based on 129 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.
5G (outdoors only) and 4G LTE
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