1476 W Sterns Rd, Temperance, MI 48182 Property Records

Monroe County property record for 1476 W Sterns Rd, Temperance, MI 48182

Property Summary

Property Type	Single Family Home
Lot Size	3.97 acres (172,933 sqft)
Owner	2 Individual Names on Record
Last Sale	$510,000 (Aug 2026)
Tax Bill	$4,348 (2025)
Deeds & Mortgages	Aug 2026 Mortgage Aug 2026 Sale + 3 more
Flood Zone	Zone AE (high risk)
APN	`02-027-045-00`

Property Details

APN / Parcel Number

Primary APN	`02-027-045-00`

Exterior

Lot Area	172,933 sqft (3.97 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	1476 W STERNS RD
City	TEMPERANCE
State	MI
Zip	48182-1507
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SE 1/4 OF SW 1/4 OF SEC 27 T8S R7E 3.97 ACRES COM @ A PT ON C/L OF STERNS RD 444.6 FT N 88D 53M 33S W FR S 1/4 COR OF SEC 27
Legal Range	07E
Legal Township	08S
Legal Section	27
Jurisdiction	MONROE MI
Township / Civil Division	BEDFORD
Census Block Group	4
Census Block	4006
Census Tract	833800

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	14436 CARROLL RD, BLISSFIELD, MI 49228-9542
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Couple

Deeds, Mortgages & Sale History

Date	Document
Aug 7, 2026	Deed of Trust, Mortgage · Conventional Mortgage MORTGAGE 1 INCORPORATED
Aug 20, 2026	Warranty Deed, Transfer BARRISTERS LAND ABSTRACT COMPANY, BARRISTERS LAND ABSTRACT
Feb 22, 2022	Deed of Trust, Mortgage · Conventional Mortgage CALIBER HOME LOANS INC
Sep 9, 2022	Deed of Trust, Mortgage · Line of Credit LOC FCU
Feb 16, 2022	Warranty Deed, Transfer · Conventional Mortgage CALIBER HOME LOANS INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 20, 2026 · Amount on Record
Deed Sale	Aug 20, 2026 · Amount on Record
Prior Sale	Feb 16, 2022 · Amount on Record
Deed Document Number	202614659
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE MI
Recording Date	Aug 7, 2026
Property Address	1476 W STERNS RD, TEMPERANCE, MI 48182-1507
Document Number	0000013789
Instrument Date	Aug 5, 2026
Instrument	202613789
Transaction Type	Mortgage
Record Updated	Aug 14, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	14436 CARROLL RD, BLISSFIELD, MI 49228-9542

Mortgage

Document Number	0000013789,
Date	Aug 7, 2026
Instrument	202613789

Lender

Name	MORTGAGE 1 INCORPORATED

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.49%
Initial Type	Fixed Rate
Max Rate	-1%

August 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE MI
Recording Date	Aug 20, 2026
Property Address	1476 W STERNS RD, TEMPERANCE, MI 48182-1507
Document Number	0000014659
Instrument Date	Aug 5, 2026
Instrument	202614659
Transaction Type	Transfer
Record Updated	Aug 28, 2026
Title Company	BARRISTERS LAND ABSTRACT COMPANY, BARRISTERS LAND ABSTRACT

Transaction

Amount	Amount Recorded
Tax	$386,325.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	14436 CARROLL RD, BLISSFIELD, MI 49228-9542

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE MI
Property Address	1476 W STERNS RD, TEMPERANCE, MI 48182-1507
Transaction Type	Mortgage
Record Updated	Apr 3, 2026
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1476 W STERNS RD, TEMPERANCE, MI 48182-1507

Mortgage

Document Number	0000003801
Date	Feb 22, 2022
Instrument	2022R03801

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2052

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE MI
Property Address	1476 W STERNS RD, TEMPERANCE, MI 48182-1507
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1476 W STERNS RD, TEMPERANCE, MI 48182-1507

Mortgage

Document Number	0000017947
Date	Sep 9, 2022
Instrument	2022R17947

Lender

Name	LOC FCU
Type	Credit Union
Address	FARMINGTON, MI 48336

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Sep 8, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE MI
Recording Date	Feb 16, 2022
Property Address	1476 W STERNS RD, TEMPERANCE, MI 48182-1507
Document Number	0000003410
Instrument Date	Feb 15, 2022
Instrument	2022R03410
Transaction Type	Transfer
Record Updated	Apr 3, 2026
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	$3,262.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1746 W STEMS, TEMPERANCE, MI 48182

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3966 LOVES CREEK DR, HOWELL, MI 48843-9668

Mortgage

Document Number	0000003801
Date	Feb 16, 2022
Instrument	2022R03801

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2052

Tax Assessment & Valuation

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		$195,500 (+2.25%) Land $195,500	$391,000 (+2.25%) Land $391,000
2025	$4,348.00 (+45.03%) Homeowner's exemption	$191,200 (+40.07%) Land $191,200	$382,400 (+40.07%) Land $382,400
2023	$2,998.00 Homeowner's exemption	$136,500	$273,000

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 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	Yes
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Community Rating System	Class 9 (5% premium discount)
Nearby Flood Policies	5 in force
Nearby Flood Claims	2 (1991–2006)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Jun 2006 · rainfall accumulation

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

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

Wildfire Risk	Low lower than 97% of the US · lower than 93% of Michigan
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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	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.

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