3150 Charm Harbor Dr, Monroe, MI 48162 Property Records

Monroe County property record for 3150 Charm Harbor Dr, Monroe, MI 48162

Property Summary

Property Type	Condominium
Details	2 bd · 2 ba · 1,404 sqft · built 2007
Lot Size	0.027 acres (1,194 sqft)
Owner	2 Individual Names on File
Last Sale	$300,000 (May 2021)
Tax Bill	$4,896 (2025)
Deeds & Mortgages	May 2021 Transfer May 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`07-989-025-00`

Property Details

APN / Parcel Number

Primary APN	`07-989-025-00`

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	1,194 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	3150 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 25
Legal Subdivision	MONROE COUNTY CONDOMINIUM SUBDIVISION
Legal Unit	25
Jurisdiction	MONROE MI
Township / Civil Division	FRENCHTOWN
Census Block Group	3
Census Block	3002
Census Tract	831300

Owner

3150 Charm Harbor Dr, a condominium, is owned and occupied by two individuals who bought it in May 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	3150 CHARM HARBOR DR, MONROE, MI 48162-4587
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
May 10, 2021	Intrafamily Transfer, Transfer LAWYERS TITLE AGENCY/MONROE, LAWYERS TITLE AGCY OF MONROE
May 10, 2021	Warranty Deed, Transfer · Conventional Mortgage FLAGSTAR BANK FSB

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 10, 2021 · Amount on File
Deed Sale	May 10, 2021 · Amount on File
Prior Sale	Jun 17, 2015
Deed Document Number	202112637
Prior Transfer Date	Apr 23, 2021
Prior Transfer Doc	0000012639
Record Updated	Oct 29, 2026

May 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MONROE MI
Recording Date	May 10, 2021
Property Address	3150 CHARM HARBOR DR, MONROE, MI 48162-4587
Document Number	2021R12639
Map Reference	DOC 2012R00765
Instrument Date	Apr 23, 2021
Instrument	2021R12639
Transaction Type	Transfer
Record Updated	Jul 13, 2021
Title Company	LAWYERS TITLE AGENCY/MONROE, LAWYERS TITLE AGCY OF MONROE

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3150 CHARM HARBOR DR, MONROE, MI 48162-4587

May 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE MI
Recording Date	May 10, 2021
Property Address	3150 CHARM HARBOR DR, MONROE, MI 48162-4587
Document Number	2021R12637
Map Reference	LB 2340 PG 487
Instrument Date	Apr 23, 2021
Instrument	2021R12637
Transaction Type	Transfer
Record Updated	Jul 13, 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	$2,250.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1310 ROBERTS ST, 1310, VIDOR, TX 77662-3555

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4535 GROVE ST, LUNA PIER, MI 48157-9713

Mortgage

Document Number	2021R12638
Date	May 10, 2021
Instrument	2021R12638

Lender

Name	FLAGSTAR BANK FSB
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 3150 Charm Harbor Dr was $4,896 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	Frenchtown Township
Unified School District	Jefferson Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$156,300 Land $156,300	$312,600 Land $312,600
2025	$4,896.00 Homeowner's exemption
2023	$4,892.00 Homeowner's exemption	$148,600	$297,200

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 3150 Charm Harbor Dr in Zone X, an area of minimal flood risk, within 100 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 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 File 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

Wildfire risk around 3150 Charm Harbor Dr 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 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.

Cell Coverage

5G (outdoors only) and 4G LTE

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