LAWYERS TITLE AGENCY/MONROE, LAWYERS TITLE AGCY OF MONROE
Transaction
Amount
Amount on Record
Loan-to-Value (LTV)
LTV on Record
Tax
$2,025.00
Amount Accuracy
Full Amount Stated
Additional
Arm's Length
Transferred From (Grantor/Seller)
Name
Verified Name
Address
12240 SPENCER LN, CARLETON, MI 48117-9626
Transferred To (Grantee/Buyer)
Name
Verified Name
Address
12240 SPENCER LN, CARLETON, MI 48117-9626
Mortgage
Document Number
0000021170
Date
Dec 19, 2025
Instrument
2025R21170
Lender
Name
ROCKET MORTGAGE LLC
Type
Mortgage Company
Agreement
Type
FHA Mortgage
Amount
Amount on Record
Term
361 Months
Due
Jan 1, 2056
July 2021: Intrafamily Transfer, Transfer
Document Type
Intrafamily Transfer
Jurisdiction
MONROE MI
Recording Date
Jul 28, 2021
Property Address
12240 SPENCER LN, CARLETON, MI 48117-9626
Document Number
2021R19963
Map Reference
LB 2421 PG 266
Instrument Date
Jul 21, 2021
Instrument
2021R19963
Transaction Type
Transfer
Record Updated
Aug 31, 2021
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
Address
12240 SPENSER LN, CARLETON, MI 48117-9626
July 2021: Intrafamily Transfer, Transfer
Document Type
Intrafamily Transfer
Jurisdiction
MONROE MI
Recording Date
Jul 28, 2021
Property Address
12240 SPENCER LN, CARLETON, MI 48117-9626
Document Number
2021R19961
Map Reference
LB 2421 PG 266
Instrument Date
Jul 21, 2021
Instrument
2021R19961
Transaction Type
Transfer
Record Updated
Aug 31, 2021
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
Address
12240 SPENSER LN, CARLETON, MI 48117-9626
Mortgage
Document Number
2021R19962
Date
Jul 28, 2021
Instrument
2021R19962
Lender
Name
EVERETT FINANCIAL INC
Type
Funding / Finance Company
Agreement
Type
Conventional Mortgage
Amount
Amount on Record
Term
361 Months
Due
Aug 1, 2051
December 2019: Warranty Deed, Transfer
Document Type
Warranty Deed
Jurisdiction
MONROE MI
Recording Date
Dec 17, 2019
Property Address
12240 SPENCER LN, CARLETON, MI 48117-9626
Document Number
0000022037
Instrument Date
Dec 13, 2019
Instrument
22037
Transaction Type
Transfer
Record Updated
Feb 7, 2020
Title Company
LAWYERS TITLE AGENCY/MONROE, LAWYERS TITLE AGCY/MONROE
Transaction
Amount
Amount on Record
Loan-to-Value (LTV)
LTV on Record
Tax
$1,565.00
Amount Accuracy
Confirmed
Additional
Arm's Length
Transferred From (Grantor/Seller)
Name
Verified Name
Transferred To (Grantee/Buyer)
Name
Verified Name
Address
25763 VALLEY CREEK DR #601 FLAT ROCK MI 481344011, 601, FLAT ROCK, MI 48134-4011
Mortgage
Document Number
22658
Date
Dec 17, 2019
Instrument
22658
Lender
Name
SUPREME LNDG
Address
DALLAS, TX 75254
Agreement
Amount
Amount on Record
Term
360 Months
Due
Dec 16, 2049
Mortgage
Document Number
22659,
Date
Dec 17, 2019
Instrument
22659
Lender
Name
MICHIGAN ST HSNG DEV AUTH
Address
LANSING, MI 48912
Agreement
Amount
Amount on Record
November 2019: Quit Claim Deed, Transfer
Document Type
Quit Claim Deed
Jurisdiction
MONROE MI
Recording Date
Nov 13, 2019
Property Address
12240 SPENCER LN, CARLETON, MI 48117-9626
Document Number
0000019796
Instrument Date
Nov 7, 2019
Instrument
19796
Transaction Type
Transfer
Record Updated
Dec 30, 2019
Title Company
ATTORNEY ONLY
Transaction
Tax
$0.00
Additional
Quitclaim
Intrafamily Transfer
Transferred From (Grantor/Seller)
Name
Verified Name
Transferred To (Grantee/Buyer)
Name
Verified Name
Address
1674 SCIO RIDGE RD ANN ARBOR MI 481038936, ANN ARBOR, MI 48103-8936
Tax Assessment & Valuation
The 2025 property tax bill for 12240 Spencer Ln was $2,712 with a homeowner's exemption, up 7.2% from the year before.
Source: Monroe County assessment roll, as of September 3, 2026
Property Jurisdictions
Type
Name
State
Michigan
County
Monroe County
County Subdivision
Ash Township
Municipality
Carleton Village
Unified School District
Airport Community School District (PK - 12)
Tax Bill & Assessment History
Year
Tax Bill
Assessed Value
Assessed Market Value
2026
$135,700 (+7.96%)Land $135,700
$271,400 (+7.96%)Land $271,400
2025
$2,712.00 (+7.19%)Homeowner's exemption
$125,700Land $125,700
$251,400Land $251,400
2024
$2,530.00 (+9.48%)
2023
$2,311.00Homeowner's exemption
$98,800
$197,600
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
FEMA maps place 12240 Spencer Ln in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective September 8, 2026
FEMA Flood Zone
Zone X minimal risk
Flood Insurance Requirement
Not required lenders may require it
Values are read at the parcel center point; lenders make the official flood determination.
Wildfire
The area around 12240 Spencer Ln has no burnable land within ember reach, so its wildfire risk is not rated.
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.
Drinking Water
Source: EPA Safe Drinking Water Information System, as of September 2026
Water System
ASH TOWNSHIP serves 5,959 people · EPA ID MI0000245
Water Source
Purchased surface water from GREAT LAKES WATER AUTHORITY
Last State Inspection
Oct 2024
Lead
8 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 277 locations within half a mile, as of December 31, 2025
Provider
Max Down / Up (Mbps)
Spectrum Cable
1,000 / 1,000
May also be available: AT&T, Mercury Fiber, Verizon.