320 Ruff Dr, Monroe, MI 48162 Property Records

Monroe County property record for 320 Ruff Dr, Monroe, MI 48162 · Last verified August 2026

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,728 sqft · built 1978
Lot Size	0.51 acres (22,216 sqft)
Owner	2 Company Names on File
Tax Bill	$822 (2025)
Deeds & Mortgages	Jun 2026 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`07-978-027-00`

Property Details

APN / Parcel Number

Primary APN	`07-978-027-00`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Building Area	1,728 sqft Living Area
1st Floor Area	1,728 sqft
Basement Area	1,728 sqft

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1978
Architectural Style	Ranch
Lot Area	22,216 sqft (0.51 acres)
Lot Dimensions	232 ft deep x 95 ft wide
Garage Area	972 sqft
Parking Spaces	4 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	320 RUFF DR
City	MONROE
State	MI
Zip	48162-3525
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	F-27-8 SEC 25 T6S R8E WOODRUFF HEIGHTS NO 2 LOT 27
Legal Range	08E
Legal Township	06S
Legal Section	25
Legal Subdivision	WOODRUFF HEIGHTS 2
Legal Lot Number	27
Jurisdiction	MONROE MI
Township / Civil Division	FRENCHTOWN
Census Block Group	3
Census Block	3002
Census Tract	831400

Owner

Source: Monroe County records · APN 07-978-027-00

Assessment roll updated August 15, 2025 · Last verified August 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Company Names on File
Mailing Address	320 RUFF DR, MONROE, MI 48162-3525
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Life Tenant

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Transfer Date	Aug 01, 2024
Transfer Doc	0000011172
Record Updated	Sep 20, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE MI
Recording Date	Jun 24, 2026
Property Address	320 RUFF DR, MONROE, MI 48162-3525
Document Number	0000011175
Instrument Date	Jun 01, 2026
Instrument	202611175
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Living Trust, 189
Address	320 RUFF DR, MONROE, MI 48162-3525

Mortgage

Document Number	0000011175,
Date	Jun 24, 2026
Instrument	202611175

Lender

Name	FIFTH THIRD BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 01, 2056

Interest

Rate Type	Fixed Rate
Rate	6.3%
Initial Type	Fixed Rate
Max Rate	-1%

Tax Assessment & Valuation

Source: Monroe County records · Assessment roll updated August 15, 2025 · Last verified August 2026

Property Jurisdictions

Type	Name
State	Michigan
County	Monroe County
County Subdivision	Frenchtown Township
Unified School District	Monroe Public Schools (KG - 12)

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$160,500 (+30.38%)	$321,000 (+30.38%)
2025	$822.00 (-60.39%) Homeowner's exemption
2023	$2,075.00 Homeowner's exemption	$123,100	$246,200

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Monroe County (26115C), updated September 8, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 261158314003, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearby Flood Claims	1 (2000)
Most Recent Claim	Oct 2000, rainfall accumulation

Wildfire

Wildfire Risk	Low above 1% of the US · above 2% of Michigan
Wildfire Likelihood	Less than 1 in 10,000 per year
Exposure	Direct burnable vegetation at the parcel

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.