12409 Spencer Ln, Carleton, MI 48117 Property Records

Monroe County property record for 12409 Spencer Ln, Carleton, MI 48117

Property Summary

Property Type	Condominium
Lot Size	0.131 acres (5,717 sqft)
Owner	2 Individual Names on Record
Last Sale	$205,000 (Nov 2013)
Tax Bill	$3,245 (2025)
Deeds & Mortgages	Jun 2021 Mortgage Apr 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`41-171-037-00`

Property Details

APN / Parcel Number

Primary APN	`41-171-037-00`

Exterior

Architectural Style	Condo/Apartment
Lot Area	5,717 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	12409 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 37
Legal Subdivision	NORTH POINT COMMONS SITE CONDO
Legal Unit	37
Jurisdiction	MONROE MI
Township / Civil Division	ASH
Census Block Group	1
Census Block	1016
Census Tract	830400

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	12409 SPENCER LN, CARLETON, MI 48117-9632
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 28, 2021	Deed of Trust, Mortgage · Conventional Mortgage RATE RABBIT HOME LOANS
Apr 29, 2020	Deed of Trust, Mortgage · Conventional Mortgage AFI FINANCIAL INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 6, 2013 · Amount on Record
Deed Sale	Nov 6, 2013 · Amount on Record
Prior Sale	Mar 28, 2012 · Amount on Record
Deed Document Number	201327695
Prior Transfer Date	Mar 22, 2012
Prior Transfer Doc	0000006445
Record Updated	Oct 29, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE MI
Property Address	12409 SPENCER LN, CARLETON, MI 48117-9632
Transaction Type	Mortgage
Record Updated	Aug 5, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12409 SPENCER LN, CARLETON, MI 48117-9632

Mortgage

Document Number	2021R16985
Date	Jun 28, 2021
Instrument	2021R16985

Lender

Name	RATE RABBIT HOME LOANS
Type	Mortgage Company
Address	SAN DIEGO, CA 92101

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Jul 1, 2036

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE MI
Property Address	12409 SPENCER LN, CARLETON, MI 48117-9632
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000008380
Date	Apr 29, 2020
Instrument	2020R08380

Lender

Name	AFI FINANCIAL INC
Type	Mortgage Company
Address	HOUSTON, TX 77069

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Apr 1, 2035

Tax Assessment & Valuation

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		$192,500 (+30.77%) Land $192,500	$385,000 (+30.77%) Land $385,000
2025	$3,245.00 (+17.19%) Homeowner's exemption
2023	$2,769.00 Homeowner's exemption	$147,200	$294,400

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

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

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 188 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20

May also be available: Mercury Fiber.

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