3045 10th St, Monroe, MI 48162 Property Records

Monroe County property record for 3045 10th St, Monroe, MI 48162

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 684 sqft · built 1945
Lot Size	0.15 acres (6,534 sqft)
Owner	2 Individual Names on Record
Last Sale	$120,000 (May 2021)
Tax Bill	$1,533 (2025)
Deeds & Mortgages	May 2021 Mortgage May 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`07-776-773-00`

Property Details

APN / Parcel Number

Primary APN	`07-776-773-00`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Building Area	684 sqft Living Area
1st Floor Area	456 sqft

Exterior

Year Built	Built 1945
Effective Year Built	Effective 1945
Architectural Style	Cape Cod
Lot Area	6,534 sqft (0.15 acres)
Lot Dimensions	100 ft deep x 65 ft wide
Garage Area	266 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	3045 10TH ST
City	MONROE
State	MI
Zip	48162-4851
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	LEAVE BLAN
Legal Description	F-773 SEC 35 T6S R9E DETROIT BEACH SUBDIVISION LOT 773 & NW'LY 10 FT OF LOT 774
Legal Range	09E
Legal Township	06S
Legal Section	35
Legal Subdivision	DETROIT BEACH SUB
Legal Lot Number	773-774
Jurisdiction	MONROE MI
Township / Civil Division	FRENCHTOWN
Census Block Group	3
Census Block	3024
Census Tract	831300

Owner

Source: Monroe County records, as of September 3, 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	3045 10TH ST, MONROE, MI 48162-4851
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 19, 2021	Deed of Trust, Mortgage · Second Mortgage (Down Payment) MICHIGAN STATE HOUSING DEV AUTHORITY
May 14, 2021	Warranty Deed, Transfer · FHA Mortgage EVERETT FINANCIAL INC
Sep 21, 2020	Deed of Trust, Mortgage · Conventional Mortgage FIRST MERCHANTS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 14, 2021 · Amount on Record
Deed Sale	May 14, 2021 · Amount on Record
Prior Sale	Dec 30, 2015 · Amount on Record
Deed Document Number	202113187
Record Updated	Oct 29, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE MI
Property Address	3045 10TH ST, MONROE, MI 48162-4851
Transaction Type	Mortgage
Record Updated	Jul 19, 2021
Title Company	LTM

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3045 10TH ST, MONROE, MI 48162-4851

Mortgage

Document Number	2021R13558
Date	May 19, 2021
Instrument	2021R13558

Lender

Name	MICHIGAN STATE HOUSING DEV AUTHORITY
Type	Government Agency
Address	LANSING, MI 48912

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount Recorded

May 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE MI
Recording Date	May 14, 2021
Property Address	3045 10TH ST, MONROE, MI 48162-4851
Document Number	2021R13187
Map Reference	LB 6 PG 1
Instrument Date	Apr 30, 2021
Instrument	2021R13187
Transaction Type	Transfer
Record Updated	Jul 19, 2021
Title Company	LAWYERS TITLE AGENCY/MONROE, LAWYERS TITLE AGCY OF MONROE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$900.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1323 MONROE ST, 1323, CARLETON, MI 48117-9248

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3045 10TH ST, MONROE, MI 48162-4851

Mortgage

Document Number	2021R13188
Date	May 14, 2021
Instrument	2021R13188

Lender

Name	EVERETT FINANCIAL INC
Type	Funding / Finance Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2051

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE MI
Property Address	3045 10TH ST, MONROE, MI 48162-4851
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	MINNESOTA TITLE AGENCY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1323 MONROE ST, CARLETON, MI 48117-9248

Mortgage

Document Number	0000019475
Date	Sep 21, 2020
Instrument	2020R19475

Lender

Name	FIRST MERCHANTS BANK
Type	Bank
Address	MUNCIE, IN 47305

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2050

Tax Assessment & Valuation

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

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		$57,500 (+40.93%) Land $57,500	$115,000 (+40.93%) Land $115,000
2025	$1,533.00 (+14.15%) Homeowner's exemption
2023	$1,343.00 Homeowner's exemption	$40,800	$81,600

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

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
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 333 locations within half a mile, as of December 31, 2025

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

May also be available: Mercury Fiber.

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