1978 Edgewater St, Monroe, MI 48162 Property Records

Monroe County property record for 1978 Edgewater St, Monroe, MI 48162

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 1,460 sqft · built 1925
Lot Size	0.28 acres (12,197 sqft)
Owner	2 Individual Names on Record
Tax Bill	$1,072 (2025)
Deeds & Mortgages	Oct 2023 Line of Credit Jan 2021 Line of Credit + 2 more
Flood Zone	Zone AO (high risk)
APN	`07-776-074-00`

Property Details

APN / Parcel Number

Primary APN	`07-776-074-00`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Half Baths	1 Half Bath
Building Area	1,460 sqft Living Area
1st Floor Area	780 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1925
Effective Year Built	Effective 1925
Architectural Style	Other
Lot Area	12,197 sqft (0.28 acres)
Lot Dimensions	308 ft deep x 40 ft wide
Garage Area	300 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	1978 EDGEWATER ST
City	MONROE
State	MI
Zip	48162-4917
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1R-RESIDE
Legal Description	F-74 SEC 35 T6S R9E DETROIT BEACH SUBDIVISION LOT 74
Legal Range	09E
Legal Township	06S
Legal Section	35
Legal Subdivision	DETROIT BEACH SUB
Legal Lot Number	74
Jurisdiction	MONROE MI
Township / Civil Division	FRENCHTOWN
Census Block Group	3
Census Block	3002
Census Tract	831300

Owner

Source: Monroe County records, as of August 18, 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	1978 EDGEWATER ST, MONROE, MI 48162-4917
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 5, 2023	Deed of Trust, Mortgage · Line of Credit THE HUNTINGTON NATIONAL BANK
Jan 21, 2021	Deed of Trust, Mortgage · Line of Credit THE HUNTINGTON NATIONAL BANK
Feb 2, 2017	Deed of Trust, Mortgage · Line of Credit THE HUNTINGTON NATIONAL BANK
Sep 14, 2018	Deed of Trust, Mortgage · Line of Credit HUNTINGTON NAT'L BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Nov 11, 2009
Transfer Doc	0000021154
Record Updated	Sep 20, 2026

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE MI
Property Address	1978 EDGEWATER ST, MONROE, MI 48162-4917
Transaction Type	Mortgage
Record Updated	Oct 27, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1978 EDGEWATER ST, MONROE, MI 48162-4917

Mortgage

Document Number	0000014772
Date	Oct 5, 2023
Instrument	2023R14772

Lender

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

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Sep 25, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE MI
Property Address	1978 EDGEWATER ST, MONROE, MI 48162-4917
Transaction Type	Mortgage
Record Updated	Mar 3, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1978 EDGEWATER ST, MONROE, MI 48162-4917

Mortgage

Document Number	0000002038
Date	Jan 21, 2021
Instrument	2021R02038

Lender

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

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Dec 9, 2050

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE MI
Property Address	1978 EDGEWATER ST, MONROE, MI 48162-4917
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000002224
Date	Feb 2, 2017
Instrument	2017R02224

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank
Address	COLUMBUS, OH 43229

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Jan 15, 2047

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE MI
Property Address	1978 EDGEWATER ST, MONROE, MI 48162-4917
Document Number	0000018631
Instrument Date	Sep 14, 2018
Transaction Type	Mortgage
Record Updated	Nov 8, 2018
Title Company	ATI TITLE COMPANY (ATI)

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1978 EDGEWATER ST MONROE MI 481624917, MONROE, MI 48162-4917

Mortgage

Document Number	0000018631
Date	Oct 9, 2018
Instrument	18631

Lender

Name	HUNTINGTON NAT'L BK
Type	Bank
Address	COLUMBUS, OH 43231

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Oct 8, 2048

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Monroe County assessment roll, as of August 15, 2025

Property Jurisdictions

Type	Name
State	Michigan
County	Monroe County
County Subdivision	Frenchtown Township
Unified School District	Jefferson Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$169,700 (+41.3%)	$339,400 (+41.3%)
2025	$1,072.00 (-62.73%) Homeowner's exemption
2023	$2,876.00 Homeowner's exemption	$120,100	$240,200

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 AO high risk · sheet flow 1–3 ft
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 53 policies
Nearby Flood Policies	53 in force
Nearby Flood Claims	95 (1980–2018)
Claims Outside the SFHA	4 of 95
Most Recent Claim	Apr 2018 · 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	Not rated no burnable land within 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	FRENCHTOWN TOWNSHIP serves 21,609 people · EPA ID MI0002500
Water Source	Surface water
Last State Inspection	Sep 2021
Lead	2 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	25 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 5 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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