12391 Spencer Ln, Carleton, MI 48117 Property Records

Monroe County property record for 12391 Spencer Ln, Carleton, MI 48117

Property Summary

Property Type	Condominium
Lot Size	0.141 acres (6,165 sqft)
Owner	Individual Name on File
Last Sale	$307,900 (Dec 2024)
Tax Bill	$3,563 (2025)
Deeds & Mortgages	Jan 2021 Sale & Mortgage May 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`41-171-038-00`

Property Details

APN / Parcel Number

Primary APN	`41-171-038-00`

Exterior

Architectural Style	Condo/Apartment
Lot Area	6,165 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	12391 SPENCER LN
City	CARLETON
State	MI
Zip	48117-9632
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Legal Description	NORTH POINT COMMONS SITE CONDOMINIUM UNIT 38
Legal Subdivision	NORTH POINT COMMONS SITE CONDO
Legal Unit	38
Jurisdiction	MONROE MI
Township / Civil Division	ASH
Census Block Group	1
Census Block	1016
Census Tract	830400

Owner

12391 Spencer Ln, a condominium, is owned and occupied by an individual who bought it in December 2024.

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

Owner of Record	Individual Name on File
Mailing Address	12391 SPENCER LN, CARLETON, MI 48117-9632
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
Jan 27, 2021	Quit Claim Deed, Transfer · Conventional Mortgage EVERETT FINANCIAL INC
May 4, 2020	Intrafamily Transfer, Transfer · Conventional Mortgage DFCU FINANCIAL
Aug 8, 2017	Warranty Deed, Transfer · Conventional with PMI MORTGAGE 1 AT SUBURBAN

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 23, 2024 · Amount on File
Deed Sale	Dec 23, 2024 · Amount on File
Prior Sale	Jan 27, 2021 · Amount on File
Deed Document Number	202419157
Prior Transfer Date	Jun 21, 2012
Prior Transfer Doc	0000014627
Record Updated	Oct 29, 2026

January 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MONROE MI
Recording Date	Jan 27, 2021
Property Address	12391 SPENCER LN, CARLETON, MI 48117-9632
Document Number	2021R02479
Map Reference	LB 2421 PG 266
Instrument Date	Jan 15, 2021
Instrument	2021R02479
Transaction Type	Transfer
Record Updated	Jul 13, 2021
Title Company	LEADING EDGE TITLE AGCY LLC

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1291 SPENCER LANE, CARLETON, MI 48117

Mortgage

Document Number	2021R02480
Date	Jan 27, 2021
Instrument	2021R02480

Lender

Name	EVERETT FINANCIAL INC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2051

May 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MONROE MI
Recording Date	May 4, 2020
Property Address	12391 SPENCER LN, CARLETON, MI 48117-9632
Document Number	2020R08690
Map Reference	LB 2421 PG 266
Instrument Date	Mar 21, 2020
Instrument	2020R08690
Transaction Type	Transfer
Record Updated	Jul 13, 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	12391 SPENSER LN, CARLETON, MI 48117-9632

Mortgage

Document Number	2020R08331
Date	May 4, 2020
Instrument	2020R08331

Lender

Name	DFCU FINANCIAL
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	179 Months
Due	Apr 1, 2035

August 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE MI
Recording Date	Aug 8, 2017
Property Address	12391 SPENCER LN, CARLETON, MI 48117-9632
Document Number	0000016256
Instrument Date	Jul 28, 2017
Instrument	16256
Transaction Type	Transfer
Record Updated	Aug 22, 2017
Title Company	MICHIGAN TITLE INSURANCE AGENCY INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,634.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1647 NEW YORK AVE LINCOLN PARK MI 481463811, LINCOLN PARK, MI 48146-3811

Mortgage

Document Number	16231
Date	Aug 8, 2017
Instrument	16231

Lender

Name	MORTGAGE 1 AT SUBURBAN
Type	Mortgage Company
Address	STERLING HEIGHTS, MI 48314

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Aug 7, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 12391 Spencer Ln was $3,563 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		$151,100 (+8.63%) Land $151,100	$302,200 (+8.63%) Land $302,200
2025	$3,563.00 Homeowner's exemption	$139,100 Land $139,100	$278,200 Land $278,200
2023	$2,306.00 Homeowner's exemption	$108,900	$217,800

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 12391 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 12391 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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