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163 E Sterns Rd, Temperance, MI 48182 Property Records

Monroe County property record for 163 E Sterns Rd, Temperance, MI 48182

Property Summary

Property TypeSingle Family Home
Lot Size5 acres (217,800 sqft)
OwnerIndividual Name on Record
Last Sale$350,000 (Aug 2025)
Tax Bill$1,905 (2025)
Deeds & MortgagesDec 2023 Sale
May 2017 Loan Modification
Flood ZoneZone AE (high risk)
APN02-036-021-00

Property Details

APN / Parcel Number

Primary APN02-036-021-00

Exterior

Lot Area217,800 sqft (5 acres)

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemForced Air with A/C

Location & Zoning

Street Address163 E STERNS RD
CityTEMPERANCE
StateMI
Zip48182-9513
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionSEC 36 T8S R7E 5.04 ACRES COM 1022.26 FT S 85D 34M E FR NW COR OF SEC 36 TH S 85D 34M E 166.62 FT TH S 1321.79 FT TH N 85D
Legal Range07E
Legal Township08S
Legal Section36
JurisdictionMONROE MI
Township / Civil DivisionBEDFORD
Census Block Group2
Census Block2021
Census Tract833500

Owner

Source: Monroe County records, as of October 15, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of RecordIndividual Name on Record
Mailing Address3937 MILL RUN CT, TOLEDO, OH 43623-3339
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Dec 20, 2023Warranty Deed, Transfer
LAWYERS TITLE AGENCY/MONROE, LAWYERS TITLE AGCY OF MONROE
May 15, 2017Loan Modification, Mortgage · Conventional with PMI
CENTURY 21 MTG

Assessor's Deed Record

Deed NamesName on Deed
Last SaleAug 14, 2025 · Amount on Record
Deed SaleAug 14, 2025 · Amount on Record
Prior SaleDec 20, 2023 · Amount on Record
Deed Document Number202513360
Record UpdatedOct 29, 2026

December 2023: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionMONROE MI
Recording DateDec 20, 2023
Property Address163 E STERNS RD, TEMPERANCE, MI 48182-9513
Document Number0000018559
Instrument DateDec 20, 2023
Instrument2023R18559
Transaction TypeTransfer
Record UpdatedJan 8, 2024
Title CompanyLAWYERS TITLE AGENCY/MONROE, LAWYERS TITLE AGCY OF MONROE

Transaction

AmountAmount Recorded
Tax$1,162.50
Amount AccuracyFull Amount Stated
Additional
  • Notice of Trustee Sale
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address163 E STEMS ROAD, BEDFORD, MI 49020

Transferred To (Grantee/Buyer)

NameVerified Name
Address3262 E ERIE RD, ERIE, MI 48133-9761

May 2017: Loan Modification, Mortgage

Document TypeLoan Modification
JurisdictionMONROE MI
Property Address163 E STERNS RD, TEMPERANCE, MI 48182-9513
Document Number0000013205
Instrument DateMay 15, 2017
Transaction TypeMortgage
Record UpdatedAug 10, 2018

Transferred To (Grantee/Buyer)

NameVerified Name
Address163 E STERNS RD TEMPERANCE MI 481829513, TEMPERANCE, MI 48182-9513

Mortgage

Document Number0000013205
DateJul 26, 2018
Instrument13205
Lender
NameCENTURY 21 MTG
TypeMortgage Company
AddressMT LAUREL, NJ 08054
Agreement
TypeConventional with PMI
AmountAmount Recorded
Term468 Months
DueJul 25, 2057
Interest
Rate TypeFixed Rate
Rate4.25%

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateMichigan
CountyMonroe County
County SubdivisionBedford Township
Unified School DistrictBedford Public Schools (KG - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$164,800 (+126.37%) Land $164,800$329,600 (+126.37%) Land $329,600
2025$1,905.00 (+0.42%) Homeowner's exemption$72,800 (-18.57%) Land $72,800$145,600 (-18.57%) Land $145,600
2023$1,897.00 Homeowner's exemption$89,400$178,800

Assessed value is set for property tax purposes, not a market price estimate; it is 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 ZoneZone AE
high risk
100-Year FloodplainYes
1% annual chance
FloodwayNo
Base Flood ElevationVaries along the reach; see FIRM
Flood Insurance RequirementRequired
federally backed loans
Flood Insurance CostPremium on Record
median of 10 policies
Community Rating SystemClass 9 (5% premium discount)
Nearby Flood Policies10 in force
Nearby Flood Claims2 (1979–2006)
Most Recent ClaimJun 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 RiskLow
lower than 97% of the US · lower than 93% of Michigan
Wildfire LikelihoodUnder 0.01% annual chance
ExposureNone
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 SystemMONROE SOUTH COUNTY
serves 33,816 people · EPA ID MI0004455
Water SourcePurchased surface water from CITY OF TOLEDO
Last State InspectionAug 2025
Lead1 ppb (2025)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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 31 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Frontier
Fiber		7,000 / 7,000
Buckeye Cablesystem
Cable · Fiber in parts of the area		1,000 / 20
Verizon
Fixed Wireless		300 / 20
Mercury Fiber
Fixed Wireless		150 / 20
T-Mobile
Fixed Wireless		100 / 20

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