405 W 7th St, Monroe, MI 48161 Property Records

Monroe County property record for 405 W 7th St, Monroe, MI 48161

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,476 sqft · built 1903
Lot Size	0.05 acres (2,178 sqft)
Owner	2 Individual Names on File
Last Sale	$132,500 (May 2018)
Tax Bill	$2,464 (2025)
Deeds & Mortgages	Oct 2021 Mortgage May 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`55-29-00038-034`

Property Details

APN / Parcel Number

Primary APN	`55-29-00038-034`
Alternative APN	`55 290 003 80`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,476 sqft Living Area
1st Floor Area	732 sqft
Basement Area	864 sqft
Finished Basement	864 sqft
Interior Walls	Plaster

Exterior

Year Built	Built 1903
Effective Year Built	Effective 1903
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	No Foundation
Roof Type	Gable
Roof Material	Shingle
Lot Area	2,178 sqft (0.05 acres)
Lot Dimensions	55 ft deep x 40 ft wide
Terrain	Rolling
Garage Area	190 sqft
Driveway	Driveway
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	192 sqft
Balcony Area	72 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	405 W 7TH ST
City	MONROE
State	MI
Zip	48161-1503
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1A
Legal Description	CURTIS AND WILSON PLAT W 40 FT OF N 55 FT OF S 100 FT OF LOT 70
Legal Subdivision	CURTIS & WILSON - MONROE CITY
Legal Lot Number	70
Jurisdiction	MONROE MI
Township / Civil Division	MONROE
Census Block Group	1
Census Block	1021
Census Tract	832100

Owner

405 W 7th St is owned and occupied by two individuals who bought it in May 2018.

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

Owner of Record	2 Individual Names on File
Mailing Address	405 W 7TH ST, MONROE, MI 48161-1503
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
Oct 22, 2021	Deed of Trust, Mortgage · FHA Mortgage NATIONS LENDING CORP
May 30, 2018	Warranty Deed, Transfer · FHA Mortgage NATIONS LNDG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 30, 2018 · Amount on File
Deed Sale	May 30, 2018 · Amount on File
Deed Document Number	20189535
Record Updated	Oct 29, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE MI
Property Address	405 W 7TH ST, MONROE, MI 48161-1503
Transaction Type	Mortgage
Record Updated	Dec 1, 2021
Title Company	MORTGAGE CONNECT LP

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	405 W 7TH ST, MONROE, MI 48161-1503

Mortgage

Document Number	2021R27278
Date	Oct 22, 2021
Instrument	2021R27278

Lender

Name	NATIONS LENDING CORP
Type	Mortgage Company
Address	INDEPENDENCE, OH 44131

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2051

May 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE MI
Recording Date	May 30, 2018
Property Address	405 W 7TH ST, MONROE, MI 48161-1503
Document Number	0000009535
Instrument Date	May 25, 2018
Instrument	9535
Transaction Type	Transfer
Record Updated	Jun 19, 2018
Title Company	LAWYERS TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,139.50
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	3386 1ST ST MONROE MI 481624969, MONROE, MI 48162-4969

Mortgage

Document Number	9536
Date	May 30, 2018
Instrument	9536

Lender

Name	NATIONS LNDG
Address	INDEPENDENCE, OH 44131

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 29, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 405 W 7th St was $2,464 with a homeowner's exemption.

Source: Monroe County assessment roll, as of September 3, 2026

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		$76,600 Land $76,600	$153,200 Land $153,200
2025	$2,464.00 Homeowner's exemption
2023	$2,158.00 Homeowner's exemption	$56,660	$113,320

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 405 W 7th St in Zone X, an area of minimal flood risk.

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	1 in force

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

The area around 405 W 7th St has no burnable land within ember reach, so its wildfire risk is not rated.

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 521 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL	5,000 / 5,000
Xfinity Cable	2,000 / 250
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: Mercury Fiber, T-Mobile.

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