15560 Spruce St, Monroe, MI 48161 Property Records

Monroe County property record for 15560 Spruce St, Monroe, MI 48161

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,144 sqft · built 1987
Lot Size	0.692 acres (30,144 sqft)
Owner	Individual Name on Record
Last Sale	$122,000 (Jun 2002)
Tax Bill	$1,454 (2025)
Deeds & Mortgages	May 2026 Transfer Mar 2023 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`12-105-135-00`

Property Details

APN / Parcel Number

Primary APN	`12-105-135-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,144 sqft Living Area
1st Floor Area	1,144 sqft

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1987
Lot Area	30,144 sqft (0.692 acres)
Lot Dimensions	135 ft deep x 75 ft wide
Garage Area	500 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	15560 SPRUCE ST
City	MONROE
State	MI
Zip	48161-3620
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	MAP 2 EVERGREEN ACRES LOT 148
Legal Subdivision	EVERGREEN ACRES
Legal Lot Number	148
Jurisdiction	MONROE MI
Township / Civil Division	MONROE
Census Block Group	2
Census Block	2006
Census Tract	832300

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	Individual Name on Record
Mailing Address	15560 SPRUCE ST, MONROE, MI 48161-3620
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Life Estate

Deeds, Mortgages & Sale History

Date	Document
May 22, 2026	Quit Claim Deed, Transfer NONE LISTED ON DOCUMENT
Mar 1, 2023	Deed of Trust, Mortgage · Line of Credit MONROE COMMUNITY CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 18, 2002 · Amount on Record
Deed Sale	Jun 18, 2002 · Amount on Record
Prior Sale	Jun 10, 1996 · Amount on Record
Last Transfer Date	May 22, 2026
Transfer Doc	0000009242
Record Updated	Oct 29, 2026

May 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MONROE MI
Recording Date	May 22, 2026
Property Address	15560 SPRUCE ST, MONROE, MI 48161-3620
Document Number	0000009242
Instrument Date	May 22, 2026
Instrument	20269242
Transaction Type	Transfer
Record Updated	Aug 29, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Life Estate
Address	15560 SPRUCE ST, MONROE, MI 48161-3620

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE MI
Property Address	15560 SPRUCE ST, MONROE, MI 48161-3620
Transaction Type	Mortgage
Record Updated	Mar 20, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15560 SPRUCE ST, MONROE, MI 48161-3620

Mortgage

Document Number	0000002718
Date	Mar 1, 2023
Instrument	2023R02718

Lender

Name	MONROE COMMUNITY CU
Type	Credit Union
Address	MONROE, MI 48162

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	239 Months
Due	Feb 7, 2043

Tax Assessment & Valuation

Source: Monroe County assessment roll, as of September 3, 2026

Property Jurisdictions

Type	Name
State	Michigan
County	Monroe County
County Subdivision	Monroe Charter Township
Unified School District	Monroe Public Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$84,700 (+3.04%) Land $8,050 Building $76,650	$169,400 (+3.04%) Land $16,100 Building $153,300
2025	$1,454.00 (+13.51%) Homeowner's exemption	$82,200 (-2.49%) Land $7,800 Building $74,400	$164,400 (-2.49%) Land $15,600 Building $148,800
2023	$1,281.00 Homeowner's exemption	$84,300	$168,600

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 · 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 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 21 policies
Nearby Flood Policies	21 in force
Nearby Flood Claims	9 (2015–2023)
Claims Outside the SFHA	1 of 9
Most Recent Claim	Aug 2023 · Severe Storms, Tornadoes, And Flooding
Claims by Event	Severe Storms, Tornadoes, And Flooding, Aug 2023 · 7 claims

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 99.1% of the US · lower than 98.4% 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 serves 49,467 people · EPA ID MI0004450
Water Source	Surface water
Last State Inspection	Mar 2025
Lead	2 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	E. coli resolved · Jun 2017
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.

Internet Providers

Source: FCC Broadband Data Collection, based on 340 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Spectrum Cable	1,000 / 1,000
AT&T DSL · Fixed Wireless in parts of the area	100 / 20

May also be available: Mercury Fiber, Verizon.

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