1823 W Sterns Rd, Temperance, MI 48182 Property Records

Monroe County property record for 1823 W Sterns Rd, Temperance, MI 48182

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,704 sqft · built 1999
Lot Size	0.61 acres (26,572 sqft)
Owner	2 Individual Names on Record
Last Sale	$224,500 (Aug 2016)
Tax Bill	$3,401 (2025)
Deeds & Mortgages	Dec 2021 Line of Credit Oct 2017 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`02-033-001-37`

Property Details

APN / Parcel Number

Primary APN	`02-033-001-37`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,704 sqft Living Area
Basement Area	1,478 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Exterior Material	Aluminum/Vinyl
Foundation Type	No Foundation
Lot Area	26,572 sqft (0.61 acres)
Garage Area	442 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Deck Area	332 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	1823 W STERNS RD
City	TEMPERANCE
State	MI
Zip	48182-1542
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-2B
Legal Description	T8S R7E SEC 33 0.610ACRE BEG 695.08 FT N 88D 59M 00S W FROM NE COR SEC 33 TH S 02D 08M 38S W 332.73 FT TH N 88D 29M 53S W 80
Legal Range	07E
Legal Township	08S
Legal Section	33
Jurisdiction	MONROE MI
Township / Civil Division	BEDFORD
Census Block Group	2
Census Block	2000
Census Tract	833900

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	1823 W STERNS RD, TEMPERANCE, MI 48182-1542
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 15, 2021	Deed of Trust, Mortgage · Line of Credit THE HUNTINGTON NATIONAL BANK
Oct 5, 2017	Deed of Trust, Mortgage · Conventional Mortgage FIFTH THIRD BANK
Aug 26, 2020	Deed of Trust, Mortgage · Conventional Mortgage THE HUNTINGTON NATIONAL BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 30, 2016 · Amount on Record
Deed Sale	Aug 30, 2016 · Amount on Record
Prior Sale	Aug 13, 2001 · Amount on Record
Deed Document Number	201617324
Prior Transfer Date	Mar 14, 2012
Prior Transfer Doc	0000001225
Record Updated	Oct 29, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE MI
Property Address	1823 W STERNS RD, TEMPERANCE, MI 48182-1542
Transaction Type	Mortgage
Record Updated	Jan 17, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1823 W STERNS RD, TEMPERANCE, MI 48182-1542

Mortgage

Document Number	0000031909
Date	Dec 15, 2021
Instrument	2021R31909

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank
Address	COLUMBUS, OH 43231

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Nov 14, 2051

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE MI
Property Address	1823 W STERNS RD, TEMPERANCE, MI 48182-1542
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000020291
Date	Oct 5, 2017
Instrument	2017R20291

Lender

Name	FIFTH THIRD BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE MI
Property Address	1823 W STERNS RD, TEMPERANCE, MI 48182-1542
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1823 W STERNS RD, TEMPERANCE, MI 48182-1542

Mortgage

Document Number	0000017332
Date	Aug 26, 2020
Instrument	2020R17332

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank
Address	COLUMBUS, OH 43235

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Jul 1, 2050

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		$152,400 (+17.68%) Land $152,400	$304,800 (+17.68%) Land $304,800
2025	$3,401.00 (+12.43%) Homeowner's exemption
2023	$3,025.00 Homeowner's exemption	$129,500	$259,000

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

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
Nearby Flood Claims	5 (1997–2015)
Most Recent Claim	Jun 2015 · river or lake flooding

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	Low lower than 98% of the US · lower than 95% of Michigan
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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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