Monroe County property record for 3227 1st St, Monroe, MI 48162
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,750 sqft · built 1995 |
| Lot Size | 0.34 acres (14,810 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $376,000 (Oct 2025) |
| Tax Bill | $3,099 (2025) |
| Deeds & Mortgages | Oct 2025 Mortgage Oct 2025 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-776-061-00 |
| Primary APN | 07-776-061-00 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Half Baths | 1 Half Bath |
| Building Area | 1,750 sqft Living Area |
| 1st Floor Area | 1,400 sqft |
| Year Built | Built 1995 |
|---|---|
| Effective Year Built | Effective 1995 |
| Architectural Style | Cape Cod |
| Lot Area | 14,810 sqft (0.34 acres) |
| Lot Dimensions | 100 ft deep x 150 ft wide |
| Garage Area | 832 sqft |
| Parking Spaces | 3 Parking Spaces |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 3227 1ST ST |
|---|---|
| City | MONROE |
| State | MI |
| Zip | 48162-4968 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | LEAVE BLAN |
| Legal Description | F-61 SEC 35 T6S R9E DETROIT BEACH SUBDIVISION LOTS 61, 62 & 63 |
| Legal Range | 09E |
| Legal Township | 06S |
| Legal Section | 35 |
| Legal Subdivision | DETROIT BEACH SUB |
| Legal Lot Number | 61-63 |
| Jurisdiction | MONROE MI |
| Township / Civil Division | FRENCHTOWN |
| Census Block Group | 3 |
| Census Block | 3012 |
| Census Tract | 831300 |
3227 1st St is owned and occupied by two individuals who bought it in October 2025.
Source: Monroe County records, as of September 3, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1861 HORGER ST, LINCOLN PARK, MI 48146-1424 |
| 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.
| Date | Document |
|---|---|
| Oct 2, 2025 | Deed of Trust, Mortgage · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC |
| Oct 6, 2025 | Warranty Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC |
| Apr 10, 2019 | Deed of Trust, Mortgage · Conventional Mortgage ADVANTAGE ONE CU |
| Sep 14, 2018 | Warranty Deed, Transfer · Conventional with PMI MORTGAGE CTR LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 6, 2025 · Amount on File |
| Deed Sale | Oct 6, 2025 · Amount on File |
| Prior Sale | Sep 14, 2018 · Amount on File |
| Deed Document Number | 202516439 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE MI |
| Property Address | 3227 1ST ST, MONROE, MI 48162-4968 |
| Transaction Type | Mortgage |
| Record Updated | Oct 10, 2025 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN |
| Name | Verified Name |
|---|---|
| Address | 1861 HORGER ST, LINCOLN PARK, MI 48146-1424 |
| Document Number | 0000016223 |
|---|---|
| Date | Oct 2, 2025 |
| Instrument | 2025R16223 |
| Name | CROSSCOUNTRY MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | CLEVELAND, OH 44114 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 1, 2055 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONROE MI |
| Recording Date | Oct 6, 2025 |
| Property Address | 3227 1ST ST, MONROE, MI 48162-4968 |
| Document Number | 0000016439 |
| Map Reference | LB 6 PG 1 |
| Instrument Date | Sep 26, 2025 |
| Instrument | 2025R16439 |
| Transaction Type | Transfer |
| Record Updated | Oct 15, 2025 |
| Title Company | FIRST AMERICAN TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,820.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3227 1ST ST, MONROE, MI 48162-4968 |
| Name | Verified Name |
|---|---|
| Address | 1861 HORGER ST, LINCOLN PARK, MI 48146-1424 |
| Document Number | 0000016223 |
|---|---|
| Date | Oct 6, 2025 |
| Instrument | 2025R16223 |
| Name | CROSSCOUNTRY MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 1, 2055 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE MI |
| Property Address | 3227 1ST ST, MONROE, MI 48162-4968 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000005098 |
|---|---|
| Date | Apr 10, 2019 |
| Instrument | 2019R05098 |
| Name | ADVANTAGE ONE CU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Mar 1, 2034 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONROE MI |
| Recording Date | Sep 14, 2018 |
| Property Address | 3227 1ST ST, MONROE, MI 48162-4968 |
| Document Number | 0000017108 |
| Instrument Date | Aug 23, 2018 |
| Instrument | 17108 |
| Transaction Type | Transfer |
| Record Updated | Jan 15, 2019 |
| Title Company | MORTGAGE CTR TITLE LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,375.14 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 3227 1ST ST MONROE MI 48161, MONROE, MI 48161 |
| Document Number | 15692 |
|---|---|
| Date | Sep 14, 2018 |
| Instrument | 15692 |
| Name | MORTGAGE CTR LLC |
|---|---|
| Type | Mortgage Company |
| Address | SOUTHFIELD, MI 48076 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 13, 2048 |
The 2025 property tax bill for 3227 1st St was $3,099 with a homeowner's exemption, up 4.4% from the year before.
Source: Monroe County assessment roll, as of September 3, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Monroe County |
| County Subdivision | Frenchtown Township |
| Unified School District | Jefferson Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $145,100 (+6.38%) Land $145,100 | $290,200 (+6.38%) Land $290,200 | |
| 2025 | $3,099.00 (+4.41%) Homeowner's exemption | $136,400 Land $136,400 | $272,800 Land $272,800 |
| 2024 | $2,968.00 (+9.36%) | ||
| 2023 | $2,714.00 Homeowner's exemption | $106,800 | $213,600 |
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.
FEMA maps place 3227 1st St 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 risk around 3227 1st St 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 98% of the US · lower than 95% 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 414 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 |
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