1641 Spruce Ct, Temperance, MI 48182 Property Records

Monroe County property record for 1641 Spruce Ct, Temperance, MI 48182

Property Summary

Property Type	Condominium
Details	3 bd · 3 ba · 1,923 sqft · built 1998
Lot Size	15.5 acres (675,910 sqft)
Owner	2 Individual Names on File
Last Sale	$289,900 (Apr 2026)
Tax Bill	$2,183 (2025)
Deeds & Mortgages	Apr 2026 Sale & Mortgage Nov 2020 Transfer
Flood Zone	Zone X (minimal risk)
APN	`02-477-046-00`

Property Details

APN / Parcel Number

Primary APN	`02-477-046-00`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,923 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Architectural Style	Condo/Apartment
Exterior Material	Aluminum/Vinyl
Foundation Type	No Foundation
Lot Area	675,910 sqft
Garage Area	462 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	1641 SPRUCE CT
City	TEMPERANCE
State	MI
Zip	48182-2226
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Legal Description	THE PINES CONDOMINIUMS UNIT 46
Legal Subdivision	THE PINE CONDO
Legal Unit	46
Jurisdiction	MONROE MI
Township / Civil Division	BEDFORD
Census Block Group	1
Census Block	1003
Census Tract	833900

Owner

1641 Spruce Ct, a condominium, is owned and occupied by two individuals who bought it in April 2026.

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

Owner of Record	2 Individual Names on File
Mailing Address	4205 E DUNBAR RD, MONROE, MI 48161-9737
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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

Date	Document
Apr 28, 2026	Warranty Deed, Transfer · Conventional Mortgage NATIONAL HOME MORTGAGE CORPORATION
Nov 2, 2020	Quit Claim Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 28, 2026 · Amount on File
Deed Sale	Apr 28, 2026 · Amount on File
Prior Sale	May 6, 2013 · Amount on File
Deed Document Number	20267514
Prior Transfer Date	Mar 7, 2012
Prior Transfer Doc	0000005359
Record Updated	Oct 29, 2026

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE MI
Recording Date	Apr 28, 2026
Property Address	1641 SPRUCE CT, TEMPERANCE, MI 48182-2226
Document Number	0000007514
Instrument Date	Apr 24, 2026
Instrument	2026.7514
Transaction Type	Transfer
Record Updated	May 13, 2026
Title Company	LAWYERS TITLE AGENCY/MONROE, LAWYERS TITLE AGENCY OF MONROE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$219,599.25
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	4205 E DUNBAR RD, MONROE, MI 48161-9737

Mortgage

Document Number	0000007515,
Date	Apr 28, 2026
Instrument	2026..7515

Lender

Name	NATIONAL HOME MORTGAGE CORPORATION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.11%
Initial Type	Fixed Rate
Max Rate	-1%

November 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MONROE MI
Recording Date	Nov 2, 2020
Property Address	1641 SPRUCE CT, TEMPERANCE, MI 48182-2226
Document Number	0000023359
Instrument Date	Oct 30, 2020
Instrument	23359
Transaction Type	Transfer
Record Updated	Dec 31, 2020
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Tax Assessment & Valuation

The 2025 property tax bill for 1641 Spruce Ct was $2,183 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		$139,600 (+13.04%) Land $139,600	$279,200 (+13.04%) Land $279,200
2025	$2,183.00 Homeowner's exemption	$123,500 Land $123,500	$247,000 Land $247,000
2023	$1,938.00 Homeowner's exemption	$102,300	$204,600

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

FEMA maps place 1641 Spruce Ct in Zone X, an area of minimal flood risk.

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
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 1641 Spruce Ct 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	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 143 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

Cell Coverage

5G (outdoors only) and 4G LTE

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