1230 W Sterns Rd, Temperance, MI 48182 Property Records

Monroe County property record for 1230 W Sterns Rd, Temperance, MI 48182

Property Summary

Property Type	Single Family Home
Lot Size	0.89 acres (38,768 sqft)
Owner	2 Individual Names on File
Last Sale	$235,000 (Aug 2023)
Tax Bill	$3,870 (2025)
Deeds & Mortgages	Aug 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`02-027-056-10`

Property Details

APN / Parcel Number

Primary APN	`02-027-056-10`

Exterior

Lot Area	38,768 sqft (0.89 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	1230 W STERNS RD
City	TEMPERANCE
State	MI
Zip	48182-1503
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SEC 27 T8S R7E .89 ACRES COM @ A PT LOC 232.4 FT S 89D 15M 33S E FR SW COR OF W 1/2 OF E 1/2 OF W 1/2 OF SE 1/4 TH S 89D 15M
Legal Range	07E
Legal Township	08S
Legal Section	27
Jurisdiction	MONROE MI
Township / Civil Division	BEDFORD
Census Block Group	4
Census Block	4009
Census Tract	833800

Owner

1230 W Sterns Rd is owned and occupied by two individuals who bought it in August 2023.

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

Owner of Record	2 Individual Names on File
Mailing Address	1230 W STERNS RD, TEMPERANCE, MI 48182-1503
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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 14, 2023 · Amount on File
Deed Sale	Aug 14, 2023 · Amount on File
Deed Document Number	202311962
Record Updated	Oct 29, 2026

August 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE MI
Recording Date	Aug 14, 2023
Property Address	1230 W STERNS RD, TEMPERANCE, MI 48182-1503
Document Number	0000011962
Instrument Date	Aug 9, 2023
Instrument	2023R11962
Transaction Type	Transfer
Record Updated	Sep 5, 2023
Title Company	LAWYERS TITLE AGCY OF MONROE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,762.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1230 W STERNS RD, TEMPERANCE, MI 48182-1503

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11 WILLOW CRK, TOLEDO, OH 43612-5241

Mortgage

Document Number	0000012810
Date	Aug 29, 2023
Instrument	2023R12810

Lender

Name	GVC MORTGAGE INC
Type	Mortgage Company
Address	PENDLETON, IN 46064

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	241 Months
Due	Sep 1, 2043

Tax Assessment & Valuation

The 2025 property tax bill for 1230 W Sterns Rd was $3,870 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		$122,400 Land $122,400	$244,800 Land $244,800
2025	$3,870.00 Homeowner's exemption
2023	$1,975.00 Homeowner's exemption	$97,100	$194,200

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 1230 W Sterns Rd 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	5 in force
Nearby Flood Claims	2 (1991–2006)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Jun 2006 · 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 1230 W Sterns Rd 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.

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 269 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

Nearby Properties on W Sterns Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures