3174 Charm Harbor Dr, Monroe, MI 48162 Property Records

Monroe County property record for 3174 Charm Harbor Dr, Monroe, MI 48162

Property Summary

Property Type	Condominium
Details	2 bd · 3 ba · 2,070 sqft · built 2007
Lot Size	0.027 acres (1,177 sqft)
Owner	Individual Name on File
Last Sale	$325,000 (Aug 2026)
Tax Bill	$7,810 (2025)
Deeds & Mortgages	Aug 2026 Sale & Mortgage Oct 2018 Sale
Flood Zone	Zone X (minimal risk)
APN	`07-989-028-00`

Property Details

APN / Parcel Number

Primary APN	`07-989-028-00`

Interior

Bedrooms	2 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Building Area	2,070 sqft Living Area
1st Floor Area	666 sqft

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Architectural Style	Custom Design
Lot Area	1,177 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	3174 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 28
Legal Subdivision	MONROE COUNTY CONDOMINIUM SUBDIVISION
Legal Unit	28
Jurisdiction	MONROE MI
Township / Civil Division	FRENCHTOWN
Census Block Group	3
Census Block	3002
Census Tract	831300

Owner

3174 Charm Harbor Dr, a condominium, is owned by an individual who bought it in August 2026.

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

Owner of Record	Individual Name on File
Mailing Address	8914 GALLOWAY CT, 1237, SYLVANIA, OH 43560-9001
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
Aug 11, 2026	Warranty Deed, Transfer · FHA Mortgage AMERICAN FINANCIAL NETWORK INC
Oct 16, 2018	Warranty Deed, Transfer MIDLAND TITLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 11, 2026 · Amount on File
Deed Sale	Aug 11, 2026 · Amount on File
Prior Sale	Oct 16, 2018 · Amount on File
Deed Document Number	202614055
Record Updated	Oct 29, 2026

August 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE MI
Recording Date	Aug 11, 2026
Property Address	3174 CHARM HARBOR DR, MONROE, MI 48162-4587
Document Number	0000014055
Instrument Date	Jul 17, 2026
Instrument	202614055
Transaction Type	Transfer
Record Updated	Aug 18, 2026
Title Company	LAWYERS TITLE AGENCY, LAWYERS TITLE AGENCY OF MONROE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$246,187.50
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000014056,
Date	Aug 11, 2026
Instrument	202614056

Lender

Name	AMERICAN FINANCIAL NETWORK INC

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2056

Interest

Rate	6.49%
Max Rate	-1%

October 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE MI
Recording Date	Oct 16, 2018
Property Address	3174 CHARM HARBOR DR, MONROE, MI 48162-4587
Document Number	0000019061
Instrument Date	Oct 10, 2018
Instrument	19061
Transaction Type	Transfer
Record Updated	Nov 16, 2018
Title Company	MIDLAND TITLE

Transaction

Amount	Amount on Record
Tax	$2,072.60
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	3174 CHARM HARBOR DR MONROE MI 481624587, MONROE, MI 48162-4587

Tax Assessment & Valuation

The 2025 property tax bill for 3174 Charm Harbor Dr was $7,810.

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		$162,000 Land $162,000	$324,000 Land $324,000
2025	$7,810.00
2023	$6,851.00	$154,300	$308,600

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

FEMA maps place 3174 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 3174 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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