2304 W Sterns Rd, Temperance, MI 48182 Property Records

Monroe County property record for 2304 W Sterns Rd, Temperance, MI 48182

Property Summary

Property Type	Single Family Home
Lot Size	1.5 acres (65,340 sqft)
Owner	2 Individual Names on File
Last Sale	$365,000 (Oct 2021)
Tax Bill	$4,460 (2025)
Deeds & Mortgages	Oct 2021 Sale & Mortgage Jun 2021 Line of Credit + 1 more
Flood Zone	Zone A (high risk)
APN	`02-028-048-70`

Property Details

APN / Parcel Number

Primary APN	`02-028-048-70`

Exterior

Lot Area	65,340 sqft (1.5 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	2304 W STERNS RD
City	TEMPERANCE
State	MI
Zip	48182-1547
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SEC 28 T8S R7E 1.5 ACRES COM 856.42 FT S 88D 13M W OF SE COR OF SW 1/4 SEC 28 TH CONT S 88D 13M W 91 FT TH N 1D 12M 8S W 33
Legal Range	07E
Legal Township	08S
Legal Section	28
Jurisdiction	MONROE MI
Township / Civil Division	BEDFORD
Census Block Group	2
Census Block	2009
Census Tract	833800

Owner

2304 W Sterns Rd is owned and occupied by two individuals who bought it in October 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	2304 W STERNS RD, TEMPERANCE, MI 48182-1547
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
Oct 13, 2021	Warranty Deed, Transfer · Conventional Mortgage AMERICAN FINANCIAL NETWORK INC
Jun 15, 2021	Deed of Trust, Mortgage · Line of Credit SIGNATURE BANK NA
Dec 7, 2018	Deed of Trust, Mortgage · Conventional Mortgage CITIZENS BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 13, 2021 · Amount on File
Deed Sale	Oct 13, 2021 · Amount on File
Deed Document Number	202126414
Record Updated	Oct 29, 2026

October 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE MI
Recording Date	Oct 13, 2021
Property Address	2304 W STERNS RD, TEMPERANCE, MI 48182-1547
Document Number	2021R26414
Instrument Date	Oct 5, 2021
Instrument	2021R26414
Transaction Type	Transfer
Record Updated	Nov 26, 2021
Title Company	LAWYERS TITLE AGENCY/MONROE, LAWYERS TITLE AGCY OF MONROE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,737.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	7256 NETTY RD, 7256, LAMBERTVILLE, MI 48144-8508

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2304 W STERNS RD, TEMPERANCE, MI 48182-1547

Mortgage

Document Number	2021R26415
Date	Oct 13, 2021
Instrument	2021R26415

Lender

Name	AMERICAN FINANCIAL NETWORK INC
Type	Funding / Finance Company

Agreement

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

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE MI
Property Address	2304 W STERNS RD, TEMPERANCE, MI 48182-1547
Transaction Type	Mortgage
Record Updated	Aug 2, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2021R15876
Date	Jun 15, 2021
Instrument	2021R15876

Lender

Name	SIGNATURE BANK NA
Type	Bank
Address	TOLEDO, OH 43623

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	12 Months
Due	Jun 9, 2022

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE MI
Property Address	2304 W STERNS RD, TEMPERANCE, MI 48182-1547
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000022174
Date	Dec 7, 2018
Instrument	2018R22174

Lender

Name	CITIZENS BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	300 Months
Due	Nov 15, 2043

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2025 property tax bill for 2304 W Sterns Rd was $4,460 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		$197,400 Land $197,400	$394,800 Land $394,800
2025	$4,460.00 Homeowner's exemption
2023	$3,961.00 Homeowner's exemption	$148,700	$297,400

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 2304 W Sterns Rd in Zone A, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective September 8, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone A high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Not determined for this zone
Flood Insurance Requirement	Required federally backed loans
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 2304 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 93% of the US · lower than 83% 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 78 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Buckeye Cablesystem Cable · Fiber in parts of the area	1,000 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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