412 Borgess Ave, Monroe, MI 48162 Property Records

Monroe County property record for 412 Borgess Ave, Monroe, MI 48162

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,496 sqft · built 1923
Lot Size	0.09 acres (3,920 sqft)
Owner	Individual Name on Record
Last Sale	$235,000 (May 2025)
Tax Bill	$2,607 (2025)
Deeds & Mortgages	May 2025 Sale & Mortgage Aug 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`55-69-01410-001`

Property Details

APN / Parcel Number

Primary APN	`55-69-01410-001`
Alternative APN	`55 690 141 00`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,496 sqft Living Area
1st Floor Area	768 sqft
Basement Area	480 sqft
Unfinished Basement	480 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	3,920 sqft (0.09 acres)
Lot Dimensions	100 ft deep x 40 ft wide
Terrain	Rolling
Garage Area	384 sqft
Driveway	Driveway
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Slab
Porch Area	162 sqft
Deck Area	70 sqft
Patio Area	70 sqft
Balcony Area	40 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	412 BORGESS AVE
City	MONROE
State	MI
Zip	48162-2709
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1A
Legal Description	COMM 326 FT N 65D 30M W 110 FT N 24D 30M E FR INT N LI NOBLE AVE WITH W LI ST MARYS AVE ;TH N 24D 30M E 40 FT; TH S 65D 30M E
Jurisdiction	MONROE MI
Township / Civil Division	MONROE
Census Block Group	2
Census Block	2012
Census Tract	831500

Owner

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

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

Owner of Record	Individual Name on Record
Mailing Address	486 RIVERBANK ST, WYANDOTTE, MI 48192-2628
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Woman

Deeds, Mortgages & Sale History

Date	Document
May 7, 2025	Warranty Deed, Transfer · Conventional Mortgage KEY BANK NA
Aug 26, 2020	Deed of Trust, Mortgage · Conventional Mortgage GENISYS CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 7, 2025 · Amount on Record
Deed Sale	May 7, 2025 · Amount on Record
Deed Document Number	20257454
Record Updated	Oct 29, 2026

May 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE MI
Recording Date	May 7, 2025
Property Address	412 BORGESS AVE, MONROE, MI 48162-2709
Document Number	0000007454
Instrument Date	May 2, 2025
Instrument	2025R07454
Transaction Type	Transfer
Record Updated	Apr 3, 2026
Title Company	MTI TITLE INSURANCE AGENCY INC, MI TITLE INS AGENCY INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,762.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	412 BORGESS AVE, MONROE, MI 48162-2709

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	486 RIVERBANK ST, WYANDOTTE, MI 48192-2628

Mortgage

Document Number	0000007750
Date	May 7, 2025
Instrument	2025R07750

Lender

Name	KEY BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2055

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE MI
Property Address	412 BORGESS AVE, MONROE, MI 48162-2709
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	412 BORGESS AVE, MONROE, MI 48162-2709

Mortgage

Document Number	0000017353
Date	Aug 26, 2020
Instrument	2020R17353

Lender

Name	GENISYS CU
Type	Credit Union
Address	AUBURN HILLS, MI 48326

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Sep 1, 2035

Tax Assessment & Valuation

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		$98,000 (+46.57%) Land $98,000	$196,000 (+46.57%) Land $196,000
2025	$2,607.00 (+14.19%) Homeowner's exemption
2023	$2,283.00 Homeowner's exemption	$66,860	$133,720

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 13 policies
Nearby Flood Policies	13 in force
Nearby Flood Claims	1 (2023)
Most Recent Claim	Aug 2023 · Severe Storms, Tornadoes, And 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

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

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Mercury Fiber Fixed Wireless	150 / 20
AT&T DSL · Fixed Wireless in parts of the area	100 / 20

May also be available: Spectrum, Verizon.

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