12427 Spencer Ln, Carleton, MI 48117 Property Records

Monroe County property record for 12427 Spencer Ln, Carleton, MI 48117

Property Summary

Property Type	Condominium
Lot Size	0.127 acres (5,539 sqft)
Owner	2 Individual Names on Record
Last Sale	$375,000 (Nov 2025)
Tax Bill	$4,751 (2025)
Deeds & Mortgages	Jun 2024 Mortgage Jun 2025 Mortgage + 5 more
Flood Zone	Zone X (minimal risk)
APN	`41-171-036-00`

Property Details

APN / Parcel Number

Primary APN	`41-171-036-00`

Exterior

Architectural Style	Condo/Apartment
Lot Area	5,539 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	12427 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 36
Legal Subdivision	NORTH POINT COMMONS SITE CONDO
Legal Unit	36
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 are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	12427 SPENCER LN, CARLETON, MI 48117-9632
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Jun 13, 2024	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Jun 13, 2025	Deed of Trust, Mortgage · FHA Mortgage ROCKET MORTGAGE LLC
Oct 30, 2025	Deed of Trust, Mortgage · FHA Mortgage UNITED WHOLESALE MORTGAGE
Feb 12, 2026	Intrafamily Transfer, Transfer
Nov 7, 2025	Warranty Deed, Transfer · FHA Mortgage UNITED WHOLESALE MORTGAGE
Aug 25, 2020	Warranty Deed, Transfer NOT AVAILABLE
Jul 11, 2017	Warranty Deed, Transfer QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 7, 2025 · Amount on Record
Deed Sale	Nov 7, 2025 · Amount on Record
Prior Sale	Aug 25, 2020 · Amount on Record
Deed Document Number	202518437
Prior Transfer Date	Apr 5, 2012
Prior Transfer Doc	0000008478
Record Updated	Oct 29, 2026

June 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE MI
Property Address	12427 SPENCER LN, CARLETON, MI 48117-9632
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12427 SPENCER LN, CARLETON, MI 48117-9632

Mortgage

Document Number	0000008746
Date	Jun 13, 2024
Instrument	2024R08746

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2054

June 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE MI
Property Address	12427 SPENCER LN, CARLETON, MI 48117-9632
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12427 SPENCER LN, CARLETON, MI 48117-9632

Mortgage

Document Number	0000009785
Date	Jun 13, 2025
Instrument	2025R09785

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2055

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE MI
Property Address	12427 SPENCER LN, CARLETON, MI 48117-9632
Transaction Type	Mortgage
Record Updated	Nov 13, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2349 FAIRBURY, WIXOM, MI 48393-1622

Mortgage

Document Number	0000017925
Date	Oct 30, 2025
Instrument	2025R17925

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2055

February 2026: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MONROE MI
Recording Date	Feb 12, 2026
Property Address	12427 SPENCER LN, CARLETON, MI 48117-9632
Document Number	0000002425
Map Reference	LB 2421 PG 266
Instrument Date	Nov 1, 2025
Instrument	2026R02425
Transaction Type	Transfer
Record Updated	Feb 23, 2026

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	12427 SPENCER LN, CARLETON, MI 48117-9632

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12427 SPENCER LN, CARLETON, MI 48117-9632

November 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE MI
Recording Date	Nov 7, 2025
Property Address	12427 SPENCER LN, CARLETON, MI 48117-9632
Document Number	0000018437
Map Reference	LB 2421 PG 266
Instrument Date	Oct 28, 2025
Instrument	2025R18437
Transaction Type	Transfer
Record Updated	Apr 3, 2026
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,812.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	12427 SPENCER LN, CARLETON, MI 48117-9632

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2349 FAIRBURY, WIXOM, MI 48393-1622

Mortgage

Document Number	0000017925
Date	Nov 7, 2025
Instrument	2025R17925

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2055

August 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE MI
Recording Date	Aug 25, 2020
Property Address	12427 SPENCER LN, CARLETON, MI 48117-9632
Document Number	0000017266
Instrument Date	Aug 18, 2020
Instrument	17266
Transaction Type	Transfer
Record Updated	Oct 6, 2020
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Tax	$2,881.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	20181 VINING RD BROWNSTOWN MI 481649414, BROWNSTOWN, MI 48164-9414

July 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE MI
Recording Date	Jul 11, 2017
Property Address	12427 SPENCER LN, CARLETON, MI 48117-9632
Document Number	0000014333
Instrument Date	Jul 7, 2017
Instrument	14333
Transaction Type	Transfer
Record Updated	Jul 31, 2017
Title Company	LAWYERS TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3416 MIDDLEFIELD DR TRENTON MI 481833575, TRENTON, MI 48183-3575

Mortgage

Document Number	14334
Date	Jul 11, 2017
Instrument	14334

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jul 10, 2047

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		$222,600 (-4.34%) Land $222,600	$445,200 (-4.34%) Land $445,200
2025	$4,751.00 (+6.91%) Homeowner's exemption	$232,700 (+38.1%) Land $232,700	$465,400 (+38.1%) Land $465,400
2024	$4,444.00 (+8.66%)
2023	$4,090.00 Homeowner's exemption	$168,500	$337,000

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

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.

Nearby Properties on Spencer Ln

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

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