1309 W Sterns Rd, Temperance, MI 48182 Property Records

Monroe County property record for 1309 W Sterns Rd, Temperance, MI 48182

Property Summary

Property Type	Single Family Home
Lot Size	0.517 acres (22,521 sqft)
Owner	2 Individual Names on File
Last Sale	$285,900 (Nov 2020)
Tax Bill	$4,122 (2025)
Deeds & Mortgages	Nov 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`02-034-027-30`

Property Details

APN / Parcel Number

Primary APN	`02-034-027-30`

Exterior

Lot Area	22,521 sqft (0.517 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	1309 W STERNS RD
City	TEMPERANCE
State	MI
Zip	48182-1506
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	T8S R7E SEC 34 .517 ACRES PART OF NE 1/4 COM @ N 1/4 COR OF SEC 34 S 89D 38M 19S E 315 FT TO POB TH S 89D 38M 19S E 85 FT TH
Legal Range	07E
Legal Township	08S
Legal Section	34
Jurisdiction	MONROE MI
Township / Civil Division	BEDFORD
Census Block Group	1
Census Block	1001
Census Tract	833900

Owner

1309 W Sterns Rd is owned and occupied by two individuals who bought it in November 2020.

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

Owner of Record	2 Individual Names on File
Mailing Address	1309 W STERNS RD, TEMPERANCE, MI 48182-1506
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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 25, 2020 · Amount on File
Deed Sale	Nov 25, 2020 · Amount on File
Prior Sale	Oct 9, 2015 · Amount on File
Deed Document Number	202025504
Record Updated	Oct 29, 2026

November 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE MI
Recording Date	Nov 24, 2020
Property Address	1309 W STERNS RD, TEMPERANCE, MI 48182-1506
Document Number	0000025504
Instrument Date	Nov 16, 2020
Instrument	25504
Transaction Type	Transfer
Record Updated	Jan 13, 2021
Title Company	LAWYERS TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,459.00
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	5244 SPICER RD TOLEDO OH 436123413, TOLEDO, OH 43612-3413

Mortgage

Document Number	25505
Date	Nov 24, 2020
Instrument	25505

Lender

Name	GENOA BKNG
Type	Funding / Finance Company
Address	GENOA, OH 43430

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Nov 23, 2035

Tax Assessment & Valuation

The 2025 property tax bill for 1309 W Sterns Rd was $4,122 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	Bedford Township
Unified School District	Bedford Public Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$162,700 Land $162,700	$325,400 Land $325,400
2025	$4,122.00 Homeowner's exemption
2023	$3,853.00 Homeowner's exemption	$145,800	$291,600

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

Flood

FEMA maps place 1309 W Sterns Rd in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective September 8, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 9 (5% premium discount)
Nearby Flood Policies	7 in force

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Wildfire risk around 1309 W Sterns Rd is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 98% of the US · lower than 95% of Michigan
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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	MONROE SOUTH COUNTY serves 33,816 people · EPA ID MI0004455
Water Source	Purchased surface water from CITY OF TOLEDO
Last State Inspection	Aug 2025
Lead	1 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 269 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Buckeye Cablesystem Cable	1,000 / 20
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30

May also be available: Mercury Fiber.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on W Sterns Rd

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