12346 Spencer Ln, Carleton, MI 48117 Property Records

Monroe County property record for 12346 Spencer Ln, Carleton, MI 48117

Property Summary

Property Type	Condominium
Lot Size	0.195 acres (8,506 sqft)
Owner	Individual Name on File
Last Sale	$355,000 (Dec 2023)
Tax Bill	$5,088 (2025)
Deeds & Mortgages	Dec 2023 Sale & Mortgage Nov 2023 Second Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`41-171-076-00`

Property Details

APN / Parcel Number

Primary APN	`41-171-076-00`

Exterior

Architectural Style	Condo/Apartment
Lot Area	8,506 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	12346 SPENCER LN
City	CARLETON
State	MI
Zip	48117-9624
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Legal Description	NORTH POINT COMMONS SITE CONDOMINIUM UNIT 76
Legal Subdivision	NORTH POINT COMMONS SITE CONDO
Legal Unit	76
Jurisdiction	MONROE MI
Township / Civil Division	ASH
Census Block Group	1
Census Block	1024
Census Tract	830400

Owner

12346 Spencer Ln, a condominium, is owned and occupied by an individual who bought it in December 2023.

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

Owner of Record	Individual Name on File
Mailing Address	12346 SPENCER LN, CARLETON, MI 48117-9624
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
Dec 15, 2023	Warranty Deed, Transfer · Conventional Mortgage FIRST MERCHANTS BANK
Nov 9, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage OLD NATIONAL BANK
Jan 5, 2023	Deed of Trust, Mortgage · Commercial Mortgage OLD NATIONAL BANK
Feb 28, 2017	Deed of Trust, Mortgage · Conventional Mortgage NOIC INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 15, 2023 · Amount on File
Deed Sale	Dec 15, 2023 · Amount on File
Prior Sale	Apr 13, 2012 · Amount on File
Deed Document Number	202318320
Record Updated	Oct 29, 2026

December 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE MI
Recording Date	Dec 15, 2023
Property Address	12346 SPENCER LN, CARLETON, MI 48117-9624
Document Number	0000018320
Map Reference	LB 2421 PG 266
Instrument Date	Dec 11, 2023
Instrument	2023R18320
Transaction Type	Transfer
Record Updated	Dec 26, 2023

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,662.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	12346 SPENCER LN, CARLETON, MI 48117-9624

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12346 SPENSER LN, CARLETON, MI 48117-9624

Mortgage

Document Number	0000018321
Date	Dec 15, 2023
Instrument	2023R18321

Lender

Name	FIRST MERCHANTS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2054

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE MI
Property Address	12346 SPENCER LN, CARLETON, MI 48117-9624
Transaction Type	Mortgage
Record Updated	Dec 11, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12346 SPENCER LN, CARLETON, MI 48117-9624

Mortgage

Document Number	0000016620
Date	Nov 9, 2023
Instrument	2023R16620

Lender

Name	OLD NATIONAL BANK
Type	Bank
Address	WALDRON, MI 49288

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	8 Months
Due	Jul 24, 2024

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE MI
Property Address	12346 SPENCER LN, CARLETON, MI 48117-9624
Transaction Type	Mortgage
Record Updated	Feb 1, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12346 SPENCER LN, CARLETON, MI 48117-9624

Mortgage

Document Number	0000000234
Date	Jan 5, 2023
Instrument	2023R00234

Lender

Name	OLD NATIONAL BANK
Type	Bank
Address	DUNDEE, MI 48131

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	7 Months
Due	Aug 26, 2023

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE MI
Property Address	12346 SPENCER LN, CARLETON, MI 48117-9624
Document Number	0000004559
Instrument Date	Feb 28, 2017
Transaction Type	Mortgage
Record Updated	Jun 15, 2017
Title Company	HASSETT TITLE COMPANY, HASSETT TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12346 SPENCER LN CARLETON MI 481179624, CARLETON, MI 48117-9624

Mortgage

Document Number	0000004559
Date	Mar 8, 2017
Instrument	4559

Lender

Name	NOIC INC
Address	6444 MONROE ST # 6, SYLVANIA, OH 43560-1455

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Mar 7, 2032

Tax Assessment & Valuation

The 2025 property tax bill for 12346 Spencer Ln was $5,088 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	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		$190,300 Land $190,300	$380,600 Land $380,600
2025	$5,088.00 Homeowner's exemption
2023	$2,584.00 Homeowner's exemption	$143,000	$286,000

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 12346 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 12346 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.

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