1657 Spruce Ct, Temperance, MI 48182 Property Records

Monroe County property record for 1657 Spruce Ct, Temperance, MI 48182

Property Summary

Property Type	Condominium
Lot Size	15.5 acres (675,910 sqft)
Owner	2 Individual Names on File
Last Sale	$175,000 (Jan 2003)
Tax Bill	$2,213 (2025)
Deeds & Mortgages	Nov 2023 Line of Credit Feb 2022 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`02-477-011-00`

Property Details

APN / Parcel Number

Primary APN	`02-477-011-00`

Exterior

Architectural Style	Condo/Apartment
Lot Area	675,910 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	1657 SPRUCE CT
City	TEMPERANCE
State	MI
Zip	48182-2226
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Legal Description	THE PINES CONDOMINIUMS UNIT 11
Legal Subdivision	THE PINE CONDO
Legal Unit	11
Jurisdiction	MONROE MI
Township / Civil Division	BEDFORD
Census Block Group	1
Census Block	1003
Census Tract	833900

Owner

1657 Spruce Ct, a condominium, is owned and occupied by two individuals who bought it in January 2003.

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

Owner of Record	2 Individual Names on File
Mailing Address	1657 SPRUCE CT, TEMPERANCE, MI 48182-2226
Occupancy	Owner Occupied
Owner Type	Individual

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
Nov 28, 2023	Deed of Trust, Mortgage · Line of Credit PNC BANK NA
Feb 11, 2022	Deed of Trust, Mortgage · Line of Credit PNC BANK NA
Oct 5, 2017	Deed of Trust, Mortgage · Conventional Mortgage PNC BANK
May 20, 2020	Deed of Trust, Mortgage · Line of Credit PNC BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 17, 2003 · Amount on File
Deed Sale	Jan 17, 2003 · Amount on File
Prior Sale	Sep 18, 1997 · Amount on File
Record Updated	Oct 29, 2026

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE MI
Property Address	1657 SPRUCE CT, TEMPERANCE, MI 48182-2226
Transaction Type	Mortgage
Record Updated	Dec 13, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1657 SPRUCE CT, TEMPERANCE, MI 48182-2226

Mortgage

Document Number	0000017481
Date	Nov 28, 2023
Instrument	2023R17481

Lender

Name	PNC BANK NA
Type	Bank
Address	WILMINGTON, DE 19801

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	481 Months
Due	Dec 1, 2063

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE MI
Property Address	1657 SPRUCE CT, TEMPERANCE, MI 48182-2226
Transaction Type	Mortgage
Record Updated	Mar 9, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1657 SPRUCE CT, TEMPERANCE, MI 48182-2226

Mortgage

Document Number	0000003054
Date	Feb 11, 2022
Instrument	2022R03054

Lender

Name	PNC BANK NA
Type	Bank
Address	WILMINGTON, DE 19801

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE MI
Property Address	1657 SPRUCE CT, TEMPERANCE, MI 48182-2226
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000020271
Date	Oct 5, 2017
Instrument	2017R20271

Lender

Name	PNC BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE MI
Property Address	1657 SPRUCE CT, TEMPERANCE, MI 48182-2226
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000009907
Date	May 20, 2020
Instrument	2020R09907

Lender

Name	PNC BANK NA
Type	Bank
Address	TOLEDO, OH 43612

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 1657 Spruce Ct was $2,213 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		$142,200 (+13.49%) Land $142,200	$284,400 (+13.49%) Land $284,400
2025	$2,213.00 Homeowner's exemption	$125,300 Land $125,300	$250,600 Land $250,600
2023	$1,965.00 Homeowner's exemption	$103,800	$207,600

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 1657 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 1657 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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