412 Winchester St, Monroe, MI 48161 Property Records

Monroe County property record for 412 Winchester St, Monroe, MI 48161

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,757 sqft · built 1903
Lot Size	0.18 acres (7,841 sqft)
Owner	Individual Name on Record
Last Sale	$145,000 (Apr 2026)
Tax Bill	$1,779 (2025)
Deeds & Mortgages	Apr 2026 Mortgage Apr 2026 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`55-49-01219-000`

Property Details

APN / Parcel Number

Primary APN	`55-49-01219-000`
Alternative APN	`55 490 121 90`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,757 sqft Living Area
1st Floor Area	1,095 sqft
Basement Area	750 sqft
Unfinished Basement	750 sqft
Interior Walls	Wallboard/Drywall

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	7,841 sqft (0.18 acres)
Lot Dimensions	155 ft deep x 50 ft wide
Terrain	Rolling
Garage Area	720 sqft
Driveway	Driveway
Parking Spaces	3 Parking Spaces
Porch	Patio
Porch Area	192 sqft
Patio Area	176 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	412 WINCHESTER ST
City	MONROE
State	MI
Zip	48161-1244
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1A
Legal Description	STEWART PLAT LOT 207
Legal Subdivision	STEWART AKA STUART
Legal Lot Number	207
Jurisdiction	MONROE MI
Township / Civil Division	MONROE
Census Block Group	1
Census Block	1021
Census Tract	831800

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	528 SMITH ST, 2, MONROE, MI 48161-2260
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 3, 2026	Deed of Trust, Mortgage · Conventional Mortgage ZILLOW HOME LOANS LLC
Apr 7, 2026	Warranty Deed, Transfer · Conventional Mortgage ZILLOW HOME LOANS LLC
Apr 7, 2026	Warranty Deed, Transfer · Conventional Mortgage ZILLOW HOME LOANS LLC
Jun 20, 2022	Warranty Deed, Transfer LAWYERS TITLE AGENCY/MONROE, LAWYERS TITLE AGCY OF MONROE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 7, 2026 · Amount on Record
Deed Sale	Apr 7, 2026 · Amount on Record
Prior Sale	Dec 17, 2024
Deed Document Number	20265525
Prior Transfer Date	Oct 19, 2024
Prior Transfer Doc	0000018834
Record Updated	Oct 29, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE MI
Recording Date	Apr 3, 2026
Property Address	412 WINCHESTER ST, MONROE, MI 48161-1244
Document Number	0000005137
Instrument Date	Mar 31, 2026
Instrument	20265137
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000005137,
Date	Apr 3, 2026
Instrument	20265137

Lender

Name	ZILLOW HOME LOANS LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6%
Initial Type	Fixed Rate
Max Rate	-1%

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE MI
Recording Date	Apr 7, 2026
Property Address	412 WINCHESTER ST, MONROE, MI 48161-1244
Document Number	0000005525
Instrument Date	Mar 30, 2026
Instrument	20265525
Transaction Type	Transfer
Record Updated	Apr 16, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$109,837.50
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000005137,
Date	Apr 7, 2026
Instrument	20265137

Lender

Name	ZILLOW HOME LOANS LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.01%
Initial Type	Fixed Rate
Max Rate	-1%

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE MI
Recording Date	Apr 7, 2026
Property Address	412 WINCHESTER ST, MONROE, MI 48161-1244
Document Number	0000005525
Instrument Date	Mar 30, 2026
Instrument	20265525
Transaction Type	Transfer
Record Updated	Aug 24, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$109,837.50
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000005137,
Date	Apr 7, 2026
Instrument	20265137

Lender

Name	ZILLOW HOME LOANS LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2056

Interest

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

June 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE MI
Recording Date	Jun 20, 2022
Property Address	412 WINCHESTER ST, MONROE, MI 48161-1244
Document Number	0000012783
Map Reference	LB 2 PG 30
Instrument Date	Jun 6, 2022
Instrument	2022R12783
Transaction Type	Transfer
Record Updated	May 5, 2023
Title Company	LAWYERS TITLE AGENCY/MONROE, LAWYERS TITLE AGCY OF MONROE

Transaction

Amount	Amount Recorded
Tax	$656.25
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	72 LANDSEER ST, WEST ROXBURY, MA 02132-3437

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	412 WINCHESTER ST, MONROE, MI 48161-1244

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		$51,400 (+6.2%) Land $51,400	$102,800 (+6.2%) Land $102,800
2025	$1,779.00 (+27.89%) Homeowner's exemption	$48,400 (+53.26%) Land $48,400	$96,800 (+53.26%) Land $96,800
2023	$1,391.00	$31,580	$63,160

Assessed value is set for property tax purposes, not a market price estimate; it is 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	5 in force
Nearby Flood Claims	7 (1981–1984)
Most Recent Claim	Feb 1984 · tidal / storm surge

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

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

May also be available: Mercury Fiber, Verizon.

Nearby Properties on Winchester St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures