Monroe County property record for 1647 Spaulding Rd, Monroe, MI 48162
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,888 sqft · built 2003 |
| Lot Size | 0.285 acres (12,415 sqft) |
| Owner | Individual Name on File |
| Last Sale | $292,000 (Dec 2021) |
| Tax Bill | $1,428 (2025) |
| Deeds & Mortgages | Dec 2021 Mortgage Dec 2021 Second Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-001-014-60 |
| Primary APN | 07-001-014-60 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,888 sqft Living Area |
| 1st Floor Area | 924 sqft |
| Basement Area | 924 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2003 |
|---|---|
| Effective Year Built | Effective 2003 |
| Lot Area | 12,415 sqft (0.285 acres) |
| Lot Dimensions | 155 ft deep x 80 ft wide |
| Garage Area | 420 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 1647 SPAULDING RD |
|---|---|
| City | MONROE |
| State | MI |
| Zip | 48162-9371 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SEC 28, 33 T6S R9E & PC 98 .285 AMOL (SURVEY) COM AT COR BETWEEN SEC 28 & 33 ON E'LY LI PC 98, TH S 89 DEG 33'15" E 797.32 FT |
| Legal Range | 09E |
| Legal Township | 06S |
| Legal Section | 28 |
| Jurisdiction | MONROE MI |
| Township / Civil Division | FRENCHTOWN |
| Census Block Group | 4 |
| Census Block | 4025 |
| Census Tract | 831700 |
Source: Monroe County records · APN 07-001-014-60
Assessment roll updated August 15, 2025 · Last verified August 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 File |
|---|---|
| Mailing Address | 1647 SPAULDING RD, MONROE, MI 48162-9371 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 03, 2021 | Deed of Trust, Mortgage · FHA Mortgage EVERETT FINANCIAL INC |
| Dec 03, 2021 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage EVERETT FINANCIAL INC |
| Jun 12, 2024 | Deed of Trust, Mortgage · FHA Mortgage ESSEX MORTGAGE |
| Dec 07, 2021 | Warranty Deed, Transfer · FHA Mortgage EVERETT FINANCIAL INC |
| Dec 04, 2018 | Deed of Trust, Mortgage · ARM TOYOTA FINANCIAL CONSUMER |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Dec 07, 2021 · Amount on Record |
| Deed Sale | Dec 07, 2021 · Amount on Record |
| Deed Document Number | 202131164 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE MI |
| Property Address | 1647 SPAULDING RD, MONROE, MI 48162-9371 |
| Transaction Type | Mortgage |
| Record Updated | Apr 03, 2026 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Address | 165151 GRACE CT #307 307, 307, SOUTHGATE, MI 48195 |
| Document Number | 0000030978 |
|---|---|
| Date | Dec 03, 2021 |
| Instrument | 2021R30978 |
| Name | EVERETT FINANCIAL INC |
|---|---|
| Type | Funding / Finance Company |
| Address | DALLAS, TX 75254 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 01, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE MI |
| Property Address | 1647 SPAULDING RD, MONROE, MI 48162-9371 |
| Transaction Type | Mortgage |
| Record Updated | Apr 03, 2026 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Address | 16515 GRACE CT 307, 307, SOUTHGATE, MI 48195-3613 |
| Document Number | 0000030979 |
|---|---|
| Date | Dec 03, 2021 |
| Instrument | 2021R30979 |
| Name | EVERETT FINANCIAL INC |
|---|---|
| Type | Funding / Finance Company |
| Address | DALLAS, TX 75254 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 01, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE MI |
| Property Address | 1647 SPAULDING RD, MONROE, MI 48162-9371 |
| Transaction Type | Mortgage |
| Record Updated | Apr 03, 2026 |
| Name | Verified Name |
|---|---|
| Address | 1647 SPAULDING RD, MONROE, MI 48162-9371 |
| Document Number | 0000008673 |
|---|---|
| Date | Jun 12, 2024 |
| Instrument | 2024R08673 |
| Name | ESSEX MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | OCALA, FL 34475 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 330 Months |
| Due | Dec 01, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONROE MI |
| Recording Date | Dec 07, 2021 |
| Property Address | 1647 SPAULDING RD, MONROE, MI 48162-9371 |
| Document Number | 0000031164 |
| Instrument Date | Nov 17, 2021 |
| Instrument | 2021R31164 |
| Transaction Type | Transfer |
| Record Updated | Apr 03, 2026 |
| Title Company | LAWYERS TITLE AGENCY/MONROE, LAWYERS TITLE AGCY OF MONROE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,190.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3175 YARGERVILLE RD, LA SALLE, MI 48145-9792 |
| Name | Verified Name |
|---|---|
| Address | 1647 SPAULDING RD, MONROE, MI 48162-9371 |
| Document Number | 0000030978 |
|---|---|
| Date | Dec 07, 2021 |
| Instrument | 2021R30978 |
| Name | EVERETT FINANCIAL INC |
|---|---|
| Type | Funding / Finance Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 01, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE MI |
| Property Address | 1647 SPAULDING RD, MONROE, MI 48162-9371 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Title Company | FIDELITY NATIONAL TITLE |
| Name | Verified Name |
|---|
| Document Number | 0000021889 |
|---|---|
| Date | Dec 04, 2018 |
| Instrument | 2018R21889 |
| Name | TOYOTA FINANCIAL CONSUMER |
|---|---|
| Type | Funding / Finance Company |
| Type | ARM |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 01, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Dec 01, 2025 |
| Change Frequency | Annually |
| Min Rate At Change | 2.75% |
| Max Rate At Change | 6.5% |
| Index | 1-Year CMT |
Source: Monroe County records · Assessment roll updated August 15, 2025 · Last verified August 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Monroe County |
| County Subdivision | Frenchtown Township |
| Unified School District | Jefferson Schools (PK - 12) |
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.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $157,000 (+34.88%) | $314,000 (+34.88%) | |
| 2025 | $1,428.00 (-59.4%) Homeowner's exemption | ||
| 2023 | $3,517.00 Homeowner's exemption | $116,400 | $232,800 |
Source: FEMA National Flood Hazard Layer, Monroe County (26115C), updated September 8, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 261158317004, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 3 in force |
| Wildfire Risk | Low lower than 93% of the US · lower than 83% of Michigan |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | Direct burnable vegetation at the parcel |
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.
Source: FCC Broadband Data Collection, availability as of December 31, 2025 · sampled at 15 locations within half a mile · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
| Mercury Broadband Fixed Wireless | 150 / 20 |
| AT&T DSL | 100 / 20 |
Source: EPA Safe Drinking Water Information System via ECHO, 2026 Q3 · EPA community water system boundaries v3.0, March 2026 · Last verified October 2026
| Water System | FRENCHTOWN TOWNSHIP serves 21,609 people |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Sep 2021 |
| Lead | 2 ppb (2021–2023) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 25 last 3 years |
Results are for the whole water system as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.
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