20 W Sub Station Rd, Temperance, MI 48182 Property Records

Monroe County property record for 20 W Sub Station Rd, Temperance, MI 48182

Property Summary

Property Type	Single Family Home
Details	1 ba
Lot Size	2 acres (87,120 sqft)
Owner	2 Individual Names on File
Last Sale	$39,900 (May 2019)
Tax Bill	$4,753 (2025)
Deeds & Mortgages	Jun 2022 Line of Credit Apr 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`02-023-001-00`

Property Details

APN / Parcel Number

Primary APN	`02-023-001-00`

Interior

Full Baths	1 Bath
Stories	1 Story

Exterior

Fire Resistance	Fireproof Steel Frame
Lot Area	87,120 sqft (2 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	20 W SUB STATION RD
City	TEMPERANCE
State	MI
Zip	48182-9595
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SEC 23 T8S R7E 2 ACRES COM @ SE COR OF NE 1/4 TH N 1D 15M E 290.59 FT TH N 89D 45M W 290.59 FT TH S 1D 15M W 290.59 FT TH S
Legal Range	07E
Legal Township	08S
Legal Section	23
Jurisdiction	MONROE MI
Township / Civil Division	BEDFORD
Census Block Group	1
Census Block	1002
Census Tract	833500

Owner

20 W Sub Station Rd is owned and occupied by two individuals who bought it in May 2019.

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

Owner of Record	2 Individual Names on File
Mailing Address	20 W SUB STATION RD, TEMPERANCE, MI 48182-9595
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
Jun 10, 2022	Deed of Trust, Mortgage · Line of Credit THE HUNTINGTON NATIONAL BANK
Apr 29, 2021	Deed of Trust, Mortgage · Conventional Mortgage THE HUNTINGTON NATIONAL BANK
Mar 4, 2020	Loan Modification, Mortgage DIRECTIONS CU
May 9, 2019	Warranty Deed, Transfer DIRECTIONS CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 9, 2019 · Amount on File
Deed Sale	May 9, 2019 · Amount on File
Deed Document Number	20197757
Record Updated	Oct 29, 2026

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE MI
Property Address	20 W SUB STATION RD, TEMPERANCE, MI 48182-9595
Transaction Type	Mortgage
Record Updated	Jun 30, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20 W SUB STATION RD, TEMPERANCE, MI 48182-9595

Mortgage

Document Number	0000012289
Date	Jun 10, 2022
Instrument	2022R12289

Lender

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

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	359 Months
Due	May 12, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE MI
Property Address	20 W SUB STATION RD, TEMPERANCE, MI 48182-9595
Transaction Type	Mortgage
Record Updated	Jun 28, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20 W SUB STATION RD, TEMPERANCE, MI 48182-9595

Mortgage

Document Number	2021R11835
Date	Apr 29, 2021
Instrument	2021R11835

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank
Address	COLUMBUS, OH 43219

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2051

March 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	MONROE MI
Property Address	20 W SUB STATION RD, TEMPERANCE, MI 48182-9595
Document Number	0000008646
Instrument Date	Mar 4, 2020
Transaction Type	Mortgage
Record Updated	Jun 8, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20 W SUB STATION RD TEMPERANCE MI 481829520, TEMPERANCE, MI 48182-9520

Mortgage

Document Number	0000008646
Date	May 4, 2020
Instrument	8646

Lender

Name	DIRECTIONS CU
Type	Credit Union
Address	TOLEDO, OH 43604

Agreement

Amount	Amount on Record
Term	360 Months
Due	May 3, 2050

May 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE MI
Recording Date	May 9, 2019
Property Address	20 W SUB STATION RD, TEMPERANCE, MI 48182-9595
Document Number	0000007757
Instrument Date	May 8, 2019
Instrument	7757
Transaction Type	Transfer
Record Updated	Jun 8, 2020
Title Company	HASSETT TITLE COMPANY, HASSETT TITLE CO

Transaction

Amount	Amount on Record
Tax	$343.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	2330 HAVENCREST CT TOLEDO OH 436111592, TOLEDO, OH 43611-1592

Mortgage

Document Number	8285
Date	May 9, 2019
Instrument	8285

Lender

Name	DIRECTIONS CU
Type	Credit Union
Address	TOLEDO, OH 43604

Agreement

Amount	Amount on Record
Term	360 Months
Due	May 8, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 20 W Sub Station Rd was $4,753 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		$207,300 Land $207,300	$414,600 Land $414,600
2025	$4,753.00 Homeowner's exemption
2023	$4,017.00 Homeowner's exemption	$152,000	$304,000

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

Flood

FEMA maps place 20 W Sub Station Rd in Zone X, an area of minimal flood risk, though there have been 5 flood claims nearby since 1987.

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	9 in force
Nearby Flood Claims	5 (1987–2017)
Most Recent Claim	Mar 2017 · 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 20 W Sub Station 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 93 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
Mercury Fiber Fixed Wireless	150 / 20

May also be available: Frontier.

Cell Coverage

5G (outdoors only) and 4G LTE

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