15586 Spruce St, Monroe, MI 48161 Property Records

Monroe County property record for 15586 Spruce St, Monroe, MI 48161

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,134 sqft · built 1969
Lot Size	0.692 acres (30,144 sqft)
Owner	2 Individual Names on Record
Last Sale	$263,000 (Sep 2025)
Tax Bill	$1,582 (2025)
Deeds & Mortgages	Sep 2025 Sale & Mortgage May 2018 Transfer
Flood Zone	Zone X (minimal risk)
APN	`12-105-138-00`

Property Details

APN / Parcel Number

Primary APN	`12-105-138-00`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Building Area	1,134 sqft Living Area
1st Floor Area	1,134 sqft
Basement Area	1,134 sqft

Exterior

Year Built	Built 1969
Effective Year Built	Effective 1969
Lot Area	30,144 sqft (0.692 acres)
Lot Dimensions	135 ft deep x 75 ft wide
Garage Area	510 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	15586 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 151
Legal Subdivision	EVERGREEN ACRES
Legal Lot Number	151
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	2 Individual Names on Record
Mailing Address	805 PATTERSON DR, MONROE, MI 48161-1845
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Sep 18, 2025	Warranty Deed, Transfer · FHA Mortgage UNION HOME MORTGAGE CORP
May 3, 2018	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 18, 2025 · Amount on Record
Deed Sale	Sep 18, 2025 · Amount on Record
Prior Sale	Dec 12, 2024 · Amount on Record
Deed Document Number	202515515
Prior Transfer Date	Dec 5, 2024
Prior Transfer Doc	0000018516
Record Updated	Oct 29, 2026

September 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE MI
Recording Date	Sep 18, 2025
Property Address	15586 SPRUCE ST, MONROE, MI 48161-3620
Document Number	0000015515
Map Reference	LB 6 PG 18
Instrument Date	Sep 16, 2025
Instrument	2025R15515
Transaction Type	Transfer
Record Updated	Apr 3, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,972.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	178 BATES LN, MONROE, MI 48162-3510

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	805 PATTERSON DR, MONROE, MI 48161-1845

Mortgage

Document Number	0000015516
Date	Sep 18, 2025
Instrument	2025R15516

Lender

Name	UNION HOME MORTGAGE CORP
Type	Mortgage Company

Agreement

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

May 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MONROE MI
Recording Date	May 3, 2018
Property Address	15586 SPRUCE ST, MONROE, MI 48161-3620
Document Number	0000008034
Instrument Date	Apr 26, 2018
Instrument	8034
Transaction Type	Transfer
Record Updated	May 15, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Lifetime Benefit
Address	15586 SPRUCE ST MONROE MI 481613620, MONROE, MI 48161-3620

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		$105,250 (+9.12%) Land $8,050 Building $97,200	$210,500 (+9.12%) Land $16,100 Building $194,400
2025	$1,582.00 (+0.7%) Homeowner's exemption	$96,450 (+26.91%) Land $7,800 Building $88,650	$192,900 (+26.91%) Land $15,600 Building $177,300
2024	$1,571.00 (+11.1%)
2023	$1,414.00 Homeowner's exemption	$76,000	$152,000

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 X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 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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