1660 W Sterns Rd, Temperance, MI 48182 Property Records

Monroe County property record for 1660 W Sterns Rd, Temperance, MI 48182

Property Summary

Property Type	Single Family Home
Lot Size	0.74 acres (32,234 sqft)
Owner	Individual Name on Record
Last Sale	$235,000 (Aug 2026)
Tax Bill	$3,077 (2025)
Deeds & Mortgages	Aug 2026 Sale & Mortgage Jan 2021 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`02-027-040-00`

Property Details

APN / Parcel Number

Primary APN	`02-027-040-00`

Exterior

Lot Area	32,234 sqft (0.74 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	1660 W STERNS RD
City	TEMPERANCE
State	MI
Zip	48182-1511
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SEC 27 T8S R7E .74 ACRE COM @ A PT 283 FT S 89D 03M E FR SW COR OF SEC 27 TH S 89D 03M E 120.5 FT TH N 1D 02M E 268 FT TH N
Legal Range	07E
Legal Township	08S
Legal Section	27
Jurisdiction	MONROE MI
Township / Civil Division	BEDFORD
Census Block Group	4
Census Block	4013
Census Tract	833800

Owner

Source: Monroe County records, as of September 3, 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 Record	Individual Name on Record
Mailing Address	10035 CRABB RD, TEMPERANCE, MI 48182-9108
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Man

Deeds, Mortgages & Sale History

Date	Document
Aug 18, 2026	Warranty Deed, Transfer · Conventional Mortgage AMERICAN FINANCIAL NETWORK INC
Jan 11, 2021	Warranty Deed, Transfer · Conventional Mortgage HOWARD HANNA FINANCIAL SERVICES INC
Nov 13, 2019	Deed of Trust, Mortgage · Conventional with PMI KEYBANK USA
Apr 6, 2017	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 18, 2026 · Amount on Record
Deed Sale	Aug 18, 2026 · Amount on Record
Prior Sale	Jan 11, 2021 · Amount on Record
Deed Document Number	202614522
Prior Transfer Date	Apr 4, 2017
Prior Transfer Doc	0000006737
Record Updated	Oct 29, 2026

August 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE MI
Recording Date	Aug 18, 2026
Property Address	1660 W STERNS RD, TEMPERANCE, MI 48182-1511
Document Number	0000014522
Instrument Date	Aug 14, 2026
Instrument	202614522
Transaction Type	Transfer
Record Updated	Aug 26, 2026
Title Company	TITLE AGENCY, TRU TITLE AGENCY LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$178,012.50
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10035 CRABB RD, TEMPERANCE, MI 48182-9108

Mortgage

Document Number	0000014523,
Date	Aug 18, 2026
Instrument	202614523

Lender

Name	AMERICAN FINANCIAL NETWORK INC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2056

Interest

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

January 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE MI
Recording Date	Jan 11, 2021
Property Address	1660 W STERNS RD, TEMPERANCE, MI 48182-1511
Document Number	2021R00911
Instrument Date	Dec 22, 2020
Instrument	2021R00911
Transaction Type	Transfer
Record Updated	Jul 13, 2021
Title Company	BARRISTERS SETMNT & TTL AGCY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,575.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1660 W STERNS RD, 1660, TEMPERANCE, MI 48182-1511

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	39144 GARDENSIDE DR, WILLOUGHBY, OH 44094-7912

Mortgage

Document Number	2021R00912
Date	Jan 11, 2021
Instrument	2021R00912

Lender

Name	HOWARD HANNA FINANCIAL SERVICES INC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2051

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE MI
Property Address	1660 W STERNS RD, TEMPERANCE, MI 48182-1511
Document Number	0000001809
Instrument Date	Nov 13, 2019
Transaction Type	Mortgage
Record Updated	Mar 26, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	1660 W STERNS RD TEMPERANCE MI 481821511, TEMPERANCE, MI 48182-1511

Mortgage

Document Number	0000001809
Date	Jan 24, 2020
Instrument	1809

Lender

Name	KEYBANK USA
Type	Bank
Address	BROOKLYN, OH 44144

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jan 23, 2050

April 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MONROE MI
Recording Date	Apr 6, 2017
Property Address	1660 W STERNS RD, TEMPERANCE, MI 48182-1511
Document Number	0000006737
Instrument Date	Apr 4, 2017
Instrument	6737
Transaction Type	Transfer
Record Updated	Jun 15, 2017
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	Revocable Trust
Address	1660 W STERNS RD TEMPERANCE MI 481821511, TEMPERANCE, MI 48182-1511

Tax Assessment & Valuation

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		$140,500 (+1.89%) Land $140,500	$281,000 (+1.89%) Land $281,000
2025	$3,077.00 (+5.09%) Homeowner's exemption	$137,900 (+24.57%) Land $137,900	$275,800 (+24.57%) Land $275,800
2023	$2,928.00 Homeowner's exemption	$110,700	$221,400

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
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 9 (5% premium discount)
Nearby Flood Policies	5 in force
Nearby Flood Claims	2 (1991–2006)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Jun 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 Risk	Not rated no wildfire likelihood modeled here

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 202 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

May also be available: Frontier, T-Mobile.

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