Monroe County property record for 305 Borgess Ave, Monroe, MI 48162
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 1 ba · 1,112 sqft · built 1940 |
| Lot Size | 0.13 acres (5,663 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $142,000 (Oct 2018) |
| Tax Bill | $3,947 (2025) |
| Deeds & Mortgages | Oct 2018 Sale & Mortgage |
| Flood Zone | Zone AE (high risk) |
| APN | 55-69-01426-000 |
| Primary APN | 55-69-01426-000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 1 Bath |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,112 sqft Living Area |
| 1st Floor Area | 875 sqft |
| Basement Area | 875 sqft |
| Finished Basement | 300 sqft |
| Interior Walls | Plaster |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1940 |
|---|---|
| Effective Year Built | Effective 1940 |
| Exterior Material | Brick |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Shingle |
| Lot Area | 5,663 sqft (0.13 acres) |
| Lot Dimensions | 123 ft deep x 45 ft wide |
| Terrain | Rolling |
| Driveway | Driveway |
| Porch | Slab |
|---|---|
| Porch Area | 550 sqft |
| Patio Area | 500 sqft |
| Balcony Area | 18 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Street Address | 305 BORGESS AVE |
|---|---|
| City | MONROE |
| State | MI |
| Zip | 48162-2706 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-1A |
| Legal Description | COMM IN W LI BORGESS AVE 299 FT N 24D 30M E FR N LI WILLOW ST ;TH N 24D 30M E 45 FT; TH N 65D 30M W 123 FT; TH S 24D 30M W 45 |
| Legal Subdivision | GODFROY & BURCH |
| Legal Lot Number | 51-52 |
| Jurisdiction | MONROE MI |
| Township / Civil Division | MONROE |
| Census Block Group | 2 |
| Census Block | 2002 |
| Census Tract | 831500 |
305 Borgess Ave is owned by two individuals who bought it in October 2018.
Source: Monroe County records, as of September 3, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 418 BORGESS AVE, MONROE, MI 48162-2709 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 30, 2018 · Amount on File |
| Deed Sale | Oct 30, 2018 · Amount on File |
| Prior Sale | Aug 14, 2001 · Amount on File |
| Deed Document Number | 201819831 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONROE MI |
| Recording Date | Oct 30, 2018 |
| Property Address | 305 BORGESS AVE, MONROE, MI 48162-2706 |
| Document Number | 2018R19831 |
| Instrument Date | Oct 26, 2018 |
| Instrument | 2018R19831 |
| Transaction Type | Transfer |
| Record Updated | Jul 13, 2021 |
| Title Company | LAWYERS TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,221.20 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 418 BORGESS AVE, MONROE, MI 48162-2709 |
| Document Number | 0000019832 |
|---|---|
| Date | Oct 30, 2018 |
| Instrument | 2018R19832 |
| Name | HUNTINGTON NATIONAL BANK |
|---|---|
| Type | Bank |
| Type | ARM |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Nov 1, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Nov 1, 2025 |
| Change Frequency | Annually |
| Min Rate At Change | 2.25% |
| Max Rate At Change | 9.63% |
| Index | 1-Year LIBOR |
The 2025 property tax bill for 305 Borgess Ave was $3,947.
Source: Monroe County assessment roll, as of September 3, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Monroe County |
| Municipality | Monroe City |
| Unified School District | Monroe Public Schools (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $89,600 Land $89,600 | $179,200 Land $179,200 | |
| 2025 | $3,947.00 | ||
| 2023 | $3,462.00 | $62,930 | $125,860 |
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.
FEMA maps place 305 Borgess Ave in Zone AE, 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 AE high risk |
|---|---|
| 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 File median of 13 policies |
| Nearby Flood Policies | 13 in force |
| Nearby Flood Claims | 1 (2023) |
| Most Recent Claim | Aug 2023 · Severe Storms, Tornadoes, And 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.
The area around 305 Borgess Ave has no burnable land within ember reach, so its wildfire risk is not rated.
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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | MONROE serves 49,467 people · EPA ID MI0004450 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Mar 2025 |
| Lead | 2 ppb (2025) action level 15 ppb |
| Water Quality | E. coli resolved · Jun 2017 |
|---|---|
| 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.
Source: FCC Broadband Data Collection, based on 341 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Mercury Fiber Fixed Wireless | 150 / 20 |
| AT&T DSL · Fixed Wireless in parts of the area | 100 / 20 |
May also be available: Spectrum, Verizon.
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