322 Union St, Monroe, MI 48161 Property Records

Monroe County property record for 322 Union St, Monroe, MI 48161

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,298 sqft · built 1923
Lot Size	0.11 acres (4,792 sqft)
Owner	2 Individual Names on Record
Last Sale	$99,900 (Jul 2018)
Tax Bill	$1,147 (2025)
Deeds & Mortgages	Nov 2022 Mortgage Jul 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`55-19-00357-000`

Property Details

APN / Parcel Number

Primary APN	`55-19-00357-000`
Alternative APN	`55 190 035 70`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,298 sqft Living Area
1st Floor Area	690 sqft
Basement Area	594 sqft
Unfinished Basement	594 sqft
Interior Walls	Plaster

Exterior

Year Built	Built 1923
Effective Year Built	Effective 1923
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	No Foundation
Roof Type	Gable
Roof Material	Shingle
Lot Area	4,792 sqft (0.11 acres)
Lot Dimensions	140 ft deep x 34 ft wide
Terrain	Rolling
Garage Type	Mixed
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Porch
Porch Area	80 sqft
Deck Area	264 sqft
Patio Area	264 sqft
Balcony Area	14 sqft
Shed	1 Shed
Shed Area	96 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Municipal

Location & Zoning

Street Address	322 UNION ST
City	MONROE
State	MI
Zip	48161-1638
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1A
Legal Description	ILGENFRITZ PLAT SOUTH 34 FT OF LOT 7
Legal Subdivision	ILGEN FRITZ
Legal Lot Number	7
Jurisdiction	MONROE MI
Township / Civil Division	MONROE
Census Block Group	2
Census Block	2013
Census Tract	832100

Owner

Source: Monroe County records, as of August 18, 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	322 UNION ST, MONROE, MI 48161-1638
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 17, 2022	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Jul 11, 2018	Warranty Deed, Transfer · FHA Mortgage JG WENTWORTH HM LNDG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 11, 2018 · Amount on Record
Deed Sale	Jul 11, 2018 · Amount on Record
Prior Sale	Jun 5, 2014 · Amount on Record
Deed Document Number	201812263
Record Updated	Sep 20, 2026

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE MI
Property Address	322 UNION ST, MONROE, MI 48161-1638
Transaction Type	Mortgage
Record Updated	Dec 8, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	322 UNION ST, FRENCHTOWN, MI 48161-1638

Mortgage

Document Number	0000021980
Date	Nov 17, 2022
Instrument	2022R21980

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	DENVER, CO 80249

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	308 Months
Due	Jul 1, 2048

July 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE MI
Recording Date	Jul 11, 2018
Property Address	322 UNION ST, MONROE, MI 48161-1638
Document Number	0000012263
Instrument Date	Jun 21, 2018
Instrument	12263
Transaction Type	Transfer
Record Updated	Jul 30, 2018
Title Company	WOLVERINE STATE TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$859.14
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	322 UNION ST MONROE MI 481611638, MONROE, MI 48161-1638

Mortgage

Document Number	12264
Date	Jul 11, 2018
Instrument	12264

Lender

Name	JG WENTWORTH HM LNDG
Address	WOODBRIDGE, VA 22192

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 10, 2048

Tax Assessment & Valuation

Source: Monroe County assessment roll, as of August 15, 2025

Property Jurisdictions

Type	Name
State	Michigan
County	Monroe County
Municipality	Monroe City
Unified School District	Monroe Public Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$64,500 (+8.04%)	$129,000 (+8.04%)
2025	$1,147.00 (-17.78%) Homeowner's exemption	$59,700 (+26.78%) Land $59,700	$119,400 (+26.78%) Land $119,400
2023	$1,395.00 Homeowner's exemption	$47,090	$94,180

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	3 in force
Nearby Flood Claims	1 (1982)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Mar 1982 · rainfall accumulation

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	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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 481 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T DSL · Fiber, Fixed Wireless in parts of the area	100 / 20

May also be available: Mercury Fiber, Spectrum.

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