1848 W Sterns Rd, Temperance, MI 48182 Property Records

Monroe County property record for 1848 W Sterns Rd, Temperance, MI 48182

Property Summary

Property Type	Single Family Home
Lot Size	0.768 acres (33,461 sqft)
Owner	2 Individual Names on File
Last Sale	$255,000 (Mar 2019)
Tax Bill	$130 (2025)
Deeds & Mortgages	Mar 2021 Mortgage Nov 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`02-463-029-01`

Property Details

APN / Parcel Number

Primary APN	`02-463-029-01`

Exterior

Lot Area	33,461 sqft (0.768 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	1848 W STERNS RD
City	TEMPERANCE
State	MI
Zip	48182-1541
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	THE TOWNSHIP OF BEDFORD, COUNTY OF MONROE, STATE OF MICHIGAN LOTS 29 & 28, NORTHERN PINES PLAT AND AN UNDIVIDED ONE/TWENTY
Legal Subdivision	NORTHERN PINES
Legal Lot Number	28-29
Jurisdiction	MONROE MI
Township / Civil Division	BEDFORD
Census Block Group	2
Census Block	2007
Census Tract	833800

Owner

1848 W Sterns Rd is owned and occupied by two individuals who bought it in March 2019.

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

Owner of Record	2 Individual Names on File
Mailing Address	1848 W STERNS RD, TEMPERANCE, MI 48182-1541
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
Mar 4, 2021	Deed of Trust, Mortgage QUICKEN LOANS LLC
Nov 26, 2019	Deed of Trust, Mortgage · Conventional with PMI QUICKEN LNS
Mar 18, 2019	Warranty Deed, Transfer · Conventional with PMI QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 18, 2019 · Amount on File
Deed Sale	Mar 18, 2019 · Amount on File
Deed Document Number	20193722
Prior Transfer Date	Mar 8, 2018
Prior Transfer Doc	0000003722
Record Updated	Oct 29, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE MI
Property Address	1848 W STERNS RD, TEMPERANCE, MI 48182-1541
Transaction Type	Mortgage
Record Updated	Apr 20, 2021
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1848 W STERNS RD, TEMPERANCE, MI 48182-1541

Mortgage

Document Number	2021R05989
Date	Mar 4, 2021
Instrument	2021R05989

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Amount	Amount on Record
Term	360 Months
Due	Mar 1, 2051

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE MI
Property Address	1848 W STERNS RD, TEMPERANCE, MI 48182-1541
Document Number	0000021219
Instrument Date	Nov 26, 2019
Transaction Type	Mortgage
Record Updated	Jan 28, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1848 W STERNS RD TEMPERANCE MI 481821541, TEMPERANCE, MI 48182-1541

Mortgage

Document Number	0000021219
Date	Dec 4, 2019
Instrument	21219

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Dec 3, 2049

March 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE MI
Recording Date	Mar 18, 2019
Property Address	1848 W STERNS RD, TEMPERANCE, MI 48182-1541
Document Number	0000003722
Instrument Date	Mar 8, 2018
Instrument	3722
Transaction Type	Transfer
Record Updated	Apr 12, 2019
Title Company	OTHER

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,193.00
Amount Accuracy	Confirmed

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1848 W STERNS RD TEMPERANCE MI 481821541, TEMPERANCE, MI 48182-1541

Mortgage

Document Number	3723
Date	Mar 18, 2019
Instrument	3723

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Mar 17, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 1848 W Sterns Rd was $130 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		$192,000 Land $192,000	$384,000 Land $384,000
2025	$130.00 Homeowner's exemption
2023	$2,938.00 Homeowner's exemption	$120,700	$241,400

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

FEMA maps place 1848 W Sterns Rd in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2006.

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	1 (2006)
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

Wildfire risk around 1848 W Sterns Rd 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	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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