2049 W Sterns Rd, Temperance, MI 48182 Property Records

Monroe County property record for 2049 W Sterns Rd, Temperance, MI 48182

Property Summary

Property TypeSingle Family Home
Lot Size0.37 acres (16,117 sqft)
OwnerIndividual Name on File
Last Sale$300,000 (Oct 2025)
Tax Bill$2,995 (2025)
Deeds & MortgagesMar 2025 Mortgage
Oct 2025 Sale & Mortgage
+ 3 more
Flood ZoneZone X (minimal risk)
APN02-475-049-00

Property Details

APN / Parcel Number

Primary APN02-475-049-00

Exterior

Lot Area16,117 sqft (0.37 acres)

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemForced Air with A/C

Location & Zoning

Street Address2049 W STERNS RD
CityTEMPERANCE
StateMI
Zip48182-1544
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionPERRY'S SUBDIVISION LOT 60
Legal SubdivisionPERRYS SUB
Legal Lot Number60
JurisdictionMONROE MI
Township / Civil DivisionBEDFORD
Census Block Group2
Census Block2004
Census Tract833900

Owner

2049 W Sterns Rd is owned and occupied by an individual who bought it in October 2025.

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

Owner of RecordIndividual Name on File
Mailing Address606 E 3RD ST, MONROE, MI 48161-2082
OccupancyOwner Occupied
Owner TypeIndividual
VestingSingle

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

DateDocument
Mar 31, 2025Deed of Trust, Mortgage · Conventional Mortgage
UNITED WHOLESALE MORTGAGE
Oct 28, 2025Warranty Deed, Transfer · Conventional Mortgage
ROCKET MORTGAGE LLC
Jan 23, 2024Warranty Deed, Transfer · Conventional Mortgage
UNITED WHOLESALE MORTGAGE
Dec 7, 2021Deed, Transfer · Conventional Mortgage
UNITED WHOLESALE MORTGAGE
Jul 17, 2019Trustee's Deed, Foreclosure
ATTORNEY ONLY

Assessor's Deed Record

Deed NamesName on Deed
Last SaleOct 28, 2025 · Amount on File
Deed SaleOct 28, 2025 · Amount on File
Prior SaleJan 23, 2024 · Amount on File
Deed Document Number202517792
Record UpdatedOct 29, 2026

March 2025: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionMONROE MI
Property Address2049 W STERNS RD, TEMPERANCE, MI 48182-1544
Transaction TypeMortgage
Record UpdatedApr 3, 2026

Transferred To (Grantee/Buyer)

NameVerified Name
Address2049 W STERNS RD, TEMPERANCE, MI 48182-1544

Mortgage

Document Number0000004412
DateMar 31, 2025
Instrument2025R04412
Lender
NameUNITED WHOLESALE MORTGAGE
TypeMortgage Company
AddressPONTIAC, MI 48341
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term241 Months
DueApr 1, 2045

October 2025: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionMONROE MI
Recording DateOct 28, 2025
Property Address2049 W STERNS RD, TEMPERANCE, MI 48182-1544
Document Number0000017792
Map ReferenceLB 7 PG 1
Instrument DateOct 23, 2025
Instrument2025R17792
Transaction TypeTransfer
Record UpdatedApr 3, 2026
Title CompanyPRUS TITLE AGENCY LLC, TRU TITLE AGENCY LLC

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$2,250.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address2049 W STERNS RD, TEMPERANCE, MI 48182-1544

Transferred To (Grantee/Buyer)

NameVerified Name
Address606 E 3RD ST, MONROE, MI 48161-2082

Mortgage

Document Number0000017793
DateOct 28, 2025
Instrument2025R17793
Lender
NameROCKET MORTGAGE LLC
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term361 Months
DueNov 1, 2055

January 2024: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionMONROE MI
Recording DateJan 23, 2024
Property Address2049 W STERNS RD, TEMPERANCE, MI 48182-1544
Document Number0000000918
Map ReferenceLB 7 PG 1
Instrument DateDec 14, 2023
Instrument2024R00918
Transaction TypeTransfer
Record UpdatedFeb 19, 2024

Transaction

AmountAmount on Record
Tax$1,833.75
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address2049 W STERNS RD, TEMPERANCE, MI 48182-1544

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
Address2049 W STEMS RD, TEMPERANCE, MI 48182

Mortgage

Document Number0000000919
DateJan 23, 2024
Instrument2024R00919
Lender
NameUNITED WHOLESALE MORTGAGE
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term360 Months
DueJan 1, 2054

Mortgage

Document Number0000000919
DateJan 23, 2024
Instrument2024R00919
Lender
NameUNITED WHOLESALE MORTGAGE
TypeMortgage Company
Address585 SOUTH BLVD E, PONTIAC, MI 48341
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term360 Months
DueJan 1, 2054

December 2021: Deed, Transfer

Document TypeDeed
JurisdictionMONROE MI
Recording DateDec 7, 2021
Property Address2049 W STERNS RD, TEMPERANCE, MI 48182-1544
Document Number0000031174
Map ReferenceLB 7 PG 1
Instrument DateDec 3, 2021
Instrument2021R31174
Transaction TypeTransfer
Record UpdatedJan 12, 2022
Title CompanyNOT AVAILABLE, SOLIDIFI

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$0.00
Amount AccuracyFull Amount Stated
Additional
  • Notice of Trustee Sale
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
AddressPO BOX 650043, DALLAS, TX 75265-0043

Transferred To (Grantee/Buyer)

NameVerified Name
Address2049 W STERNS RD, TEMPERANCE, MI 48182-1544

Mortgage

Document Number0000031175
DateDec 7, 2021
Instrument2021R31175
Lender
NameUNITED WHOLESALE MORTGAGE
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term241 Months
DueJan 1, 2042

July 2019: Trustee's Deed, Foreclosure

Document TypeTrustee's Deed
JurisdictionMONROE MI
Recording DateJul 17, 2019
Property Address2049 W STERNS RD, TEMPERANCE, MI 48182-1544
Document Number0000011833
Instrument DateJul 11, 2019
Instrument11833
Transaction TypeForeclosure
Record UpdatedAug 12, 2019
Title CompanyATTORNEY ONLY

Transaction

AmountAmount on Record
Tax$1,335.71
Amount AccuracyConfirmed
Additional
  • Notice of Trustee Sale

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipAssociation
Address1 S WACKER DR #1300 CHICAGO IL 606064616, 1300, CHICAGO, IL 60606-4616
InvestorPossibly a Property Investor

Tax Assessment & Valuation

The 2025 property tax bill for 2049 W Sterns Rd was $2,995 with a homeowner's exemption, down 12.8% from the year before.

Source: Monroe County assessment roll, as of September 3, 2026

Property Jurisdictions

TypeName
StateMichigan
CountyMonroe County
County SubdivisionBedford Township
Unified School DistrictBedford Public Schools (KG - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$116,300 (+2.2%) Land $116,300$232,600 (+2.2%) Land $232,600
2025$2,995.00 (-12.76%) Homeowner's exemption$113,800 Land $113,800$227,600 Land $227,600
2024$3,433.00 (+24.88%)
2023$2,749.00 Homeowner's exemption$102,900$205,800

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 2049 W Sterns 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 ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone AE, within 500 ft
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Claims5 (1997–2015)
Most Recent ClaimJun 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

Wildfire risk around 2049 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 RiskLow
lower than 98% of the US · lower than 95% of Michigan
Wildfire LikelihoodUnder 0.01% annual chance
ExposureNone
beyond 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 SystemMONROE SOUTH COUNTY
serves 33,816 people · EPA ID MI0004455
Water SourcePurchased surface water from CITY OF TOLEDO
Last State InspectionAug 2025
Lead1 ppb (2025)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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 273 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Buckeye Cablesystem
Cable · Fiber in parts of the area
1,000 / 20
Verizon
Fixed Wireless
300 / 20
Starlink
Satellite
280 / 30
T-Mobile
Fixed Wireless
100 / 20

May also be available: Frontier.

Nearby Properties on W Sterns Rd

Nearby Streets

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