3134 Charm Harbor Dr, Monroe, MI 48162 Property Records

Monroe County property record for 3134 Charm Harbor Dr, Monroe, MI 48162

Property Summary

Property Type	Condominium
Details	2 bd · 2 ba · 1,404 sqft · built 2007
Lot Size	0.028 acres (1,229 sqft)
Owner	2 Individual Names on Record
Last Sale	$319,900 (Dec 2025)
Tax Bill	$4,322 (2025)
Deeds & Mortgages	Dec 2025 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`07-989-023-00`

Property Details

APN / Parcel Number

Primary APN	`07-989-023-00`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Building Area	1,404 sqft Living Area
1st Floor Area	666 sqft
Basement Area	666 sqft

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Architectural Style	Custom Design
Lot Area	1,229 sqft
Garage Area	275 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	3134 CHARM HARBOR DR
City	MONROE
State	MI
Zip	48162-4587
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	LEAVE BLAN
Legal Description	REPLAT #2 OF THE MONROE COUNTY CONDOMINIUM SUBDIVISION PLAN NO: 39, FRENCHTOWN HARBOR CONDOMINIUMS BUILDING 4, UNIT 23
Legal Subdivision	MONROE COUNTY CONDOMINIUM SUBDIVISION
Legal Unit	23
Jurisdiction	MONROE MI
Township / Civil Division	FRENCHTOWN
Census Block Group	3
Census Block	3002
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	4468 PARTRIDGE LN, NEWPORT, MI 48166-9168
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 3, 2025 · Amount on Record
Deed Sale	Dec 3, 2025 · Amount on Record
Prior Sale	Sep 3, 2015 · Amount on Record
Deed Document Number	202519837
Record Updated	Oct 29, 2026

December 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE MI
Recording Date	Dec 3, 2025
Property Address	3134 CHARM HARBOR DR, MONROE, MI 48162-4587
Document Number	0000019837
Map Reference	LB 2266 PG 976-1067
Instrument Date	Nov 25, 2025
Instrument	2025R19837
Transaction Type	Transfer
Record Updated	Dec 16, 2025
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	$2,400.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3134 CHARM HARBOR DR, MONROE, MI 48162-4587

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4468 PARTRIDGE LN, NEWPORT, MI 48166-9168

Mortgage

Document Number	0000019838
Date	Dec 3, 2025
Instrument	2025R19838

Lender

Name	AMERICAN FINANCIAL NETWORK INC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2055

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		$155,400 (+2.37%) Land $155,400	$310,800 (+2.37%) Land $310,800
2025	$4,322.00 (+4.42%) Homeowner's exemption	$151,800 (+2.71%) Land $151,800	$303,600 (+2.71%) Land $303,600
2024	$4,139.00 (+9.35%)
2023	$3,785.00 Homeowner's exemption	$147,800	$295,600

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
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
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	Low lower than 99.1% of the US · lower than 98.4% of Michigan
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None 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 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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