186 E Erie Rd, Temperance, MI 48182 Property Records

Monroe County property record for 186 E Erie Rd, Temperance, MI 48182

Property Summary

Property Type	Single Family Home
Lot Size	0.5 acres (21,780 sqft)
Owner	Individual Name on File
Last Sale	$131,000 (May 2000)
Tax Bill	$1,630 (2025)
Deeds & Mortgages	Nov 2020 Mortgage Jan 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`02-012-028-10`

Property Details

APN / Parcel Number

Primary APN	`02-012-028-10`

Exterior

Lot Area	21,780 sqft (0.5 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	186 E ERIE RD
City	TEMPERANCE
State	MI
Zip	48182-9348
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PT OF SW 1/4 OF SW 1/4 OF SEC 12 T8S R7E .50 ACRE COM @ A PT ON C/L OF ERIE RD 806.44 FT S 85D 22' E & 427.05 FT S 86D 26' E
Legal Range	07E
Legal Township	08S
Legal Section	12
Jurisdiction	MONROE MI
Township / Civil Division	BEDFORD
Census Block Group	3
Census Block	3007
Census Tract	833200

Owner

186 E Erie Rd is owned and occupied by an individual who bought it in May 2000.

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

Owner of Record	Individual Name on File
Mailing Address	186 E ERIE RD, TEMPERANCE, MI 48182-9348
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 17, 2020	Deed of Trust, Mortgage · Conventional Mortgage UNION HOME MORTGAGE CORP
Jan 15, 2017	Quit Claim Deed, Mortgage · Conventional with PMI NOIC INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 30, 2000 · Amount on File
Deed Sale	May 30, 2000 · Amount on File
Prior Sale	May 30, 2000 · Amount on File
Prior Transfer Date	May 25, 2000
Record Updated	Oct 29, 2026

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE MI
Property Address	186 E ERIE RD, TEMPERANCE, MI 48182-9348
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	186 E ERIE RD, TEMPERANCE, MI 48182-9348

Mortgage

Document Number	0000024946
Date	Nov 17, 2020
Instrument	2020R24946

Lender

Name	UNION HOME MORTGAGE CORP
Type	Mortgage Company
Address	STRONGSVILLE, OH 44136

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Dec 1, 2035

January 2017: Quit Claim Deed, Mortgage

Document Type	Quit Claim Deed
Jurisdiction	MONROE MI
Recording Date	Jan 15, 2017
Property Address	186 E ERIE RD, TEMPERANCE, MI 48182-9348
Document Number	0000000370
Instrument Date	Dec 15, 2016
Instrument	370
Transaction Type	Mortgage
Record Updated	Jun 16, 2017
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	186 E ERIE RD TEMPERANCE MI 481829348, TEMPERANCE, MI 48182-9348

Mortgage

Document Number	2733
Date	Jan 15, 2017
Instrument	2733

Lender

Name	NOIC INC
Address	6444 MONROE STREETSUITE 6, SYLVANIA, OH 43560

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Jan 14, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 186 E Erie Rd was $1,630 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		$92,300 (+2.56%) Land $92,300	$184,600 (+2.56%) Land $184,600
2025	$1,630.00 Homeowner's exemption	$90,000 Land $90,000	$180,000 Land $180,000
2023	$1,532.00 Homeowner's exemption	$71,600	$143,200

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

Flood

FEMA maps place 186 E Erie Rd in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	1 (1997)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jun 1997 · 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 186 E Erie 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 94% of the US · lower than 87% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 29 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	2,500 / 2,500
Buckeye Cablesystem Cable	1,000 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Mercury Fiber, Spectrum, Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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