12445 Spencer Ln, Carleton, MI 48117 Property Records

Monroe County property record for 12445 Spencer Ln, Carleton, MI 48117

Property Summary

Property Type	Condominium
Lot Size	0.142 acres (6,196 sqft)
Owner	2 Individual Names on Record
Last Sale	$305,000 (Oct 2022)
Tax Bill	$4,825 (2025)
Deeds & Mortgages	Dec 2025 Mortgage Oct 2022 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`41-171-035-00`

Property Details

APN / Parcel Number

Primary APN	`41-171-035-00`

Exterior

Architectural Style	Condo/Apartment
Lot Area	6,196 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	12445 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 35
Legal Subdivision	NORTH POINT COMMONS SITE CONDO
Legal Unit	35
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	12445 SPENCER LN, CARLETON, MI 48117-9632
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 19, 2025	Deed of Trust, Mortgage · FHA Mortgage NATIONSTAR MORTGAGE LLC
Oct 7, 2022	Warranty Deed, Transfer · FHA Mortgage AMERICAN FINANCIAL NETWORK INC
Jan 6, 2022	Deed of Trust, Mortgage · Line of Credit FIRST MERCHANTS BANK
May 7, 2020	Deed of Trust, Mortgage · Line of Credit FIRST MERCHANTS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 7, 2022 · Amount on Record
Deed Sale	Oct 7, 2022 · Amount on Record
Deed Document Number	202219570
Record Updated	Oct 29, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE MI
Property Address	12445 SPENCER LN, CARLETON, MI 48117-9632
Transaction Type	Mortgage
Record Updated	Jan 2, 2026
Title Company	MORTGAGE CONNECT LP

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12445 SPENCER LN, CARLETON, MI 48117-9632

Mortgage

Document Number	0000020925
Date	Dec 19, 2025
Instrument	2025R20925

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	480 Months
Due	Dec 1, 2065

October 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE MI
Recording Date	Oct 7, 2022
Property Address	12445 SPENCER LN, CARLETON, MI 48117-9632
Document Number	0000019570
Map Reference	DOC 2007R02457
Instrument Date	Sep 7, 2022
Instrument	2022R19570
Transaction Type	Transfer
Record Updated	Nov 7, 2022
Title Company	LAWYERS TITLE AGENCY/MONROE, LAWYERS TITLE AGCY OF MONROE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,287.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	12445 SPENCER LN, 12445, CARLETON, MI 48117-9632

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12445 SPENCER LN, CARLETON, MI 48117-9632

Mortgage

Document Number	0000019571
Date	Oct 7, 2022
Instrument	2022R19571

Lender

Name	AMERICAN FINANCIAL NETWORK INC
Type	Funding / Finance Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2052

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE MI
Property Address	12445 SPENCER LN, CARLETON, MI 48117-9632
Transaction Type	Mortgage
Record Updated	Feb 9, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12445 SPENCER LN, CARLETON, MI 48117-9632

Mortgage

Document Number	0000000397
Date	Jan 6, 2022
Instrument	2022R00397

Lender

Name	FIRST MERCHANTS BANK
Type	Bank
Address	CARLETON, MI 48117

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Dec 27, 2051

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE MI
Property Address	12445 SPENCER LN, CARLETON, MI 48117-9632
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000009030
Date	May 7, 2020
Instrument	2020R09030

Lender

Name	FIRST MERCHANTS BANK
Type	Bank
Address	CARLETON, MI 48117

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	358 Months
Due	Mar 14, 2050

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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		$128,000 (+27.36%) Land $128,000	$256,000 (+27.36%) Land $256,000
2025	$4,825.00 (+155.16%)
2023	$1,891.00	$100,500	$201,000

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.

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