431 Fern Ct, Monroe, MI 48162 Property Records

Monroe County property record for 431 Fern Ct, Monroe, MI 48162

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,314 sqft · built 1923
Lot Size	0.12 acres (5,227 sqft)
Owner	Individual Name on Record
Last Sale	$149,900 (Aug 2021)
Tax Bill	$2,862 (2025)
Deeds & Mortgages	Aug 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`55-59-01815-000`

Property Details

APN / Parcel Number

Primary APN	`55-59-01815-000`
Alternative APN	`55 590 181 50`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	1,314 sqft Living Area
1st Floor Area	742 sqft
Basement Area	742 sqft
Finished Basement	150 sqft
Interior Walls	Plaster

Exterior

Year Built	Built 1923
Effective Year Built	Effective 1923
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Shingle
Lot Area	5,227 sqft (0.12 acres)
Lot Dimensions	120 ft deep x 44 ft wide
Terrain	Rolling
Garage Area	162 sqft
Driveway	Driveway
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Slab
Porch Area	167 sqft
Patio Area	80 sqft
Shed	1 Shed
Shed Area	80 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	431 FERN CT
City	MONROE
State	MI
Zip	48162-2601
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1A
Legal Description	COMM 281 FT N 24D 30M E FR INT W LI FERN CT WI N LI NOBLE AVE; TH N 24D 30M E 44 FT; TH N 65D 30M W 120 FT; TH S 24D 30M W 44
Jurisdiction	MONROE MI
Township / Civil Division	MONROE
Census Block Group	1
Census Block	1001
Census Tract	831600

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the East Elm-North Macomb Street Historic District listed 1982 · 174 contributing resources · NRIS 82002853

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

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	431 FERN CT, MONROE, MI 48162-2601
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 6, 2021 · Amount on Record
Deed Sale	Aug 6, 2021 · Amount on Record
Prior Sale	Oct 10, 2016 · Amount on Record
Deed Document Number	202120761
Prior Transfer Date	Jan 9, 2016
Prior Transfer Doc	0000005630
Record Updated	Oct 29, 2026

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE MI
Recording Date	Aug 6, 2021
Property Address	431 FERN CT, MONROE, MI 48162-2601
Document Number	2021R20761
Instrument Date	Jul 26, 2021
Instrument	2021R20761
Transaction Type	Transfer
Record Updated	Sep 6, 2021
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,125.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	431 FERN CT, 431, MONROE, MI 48162-2601

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	431 FERN CT, MONROE, MI 48162-2601
Investor	Possibly a Property Investor

Mortgage

Document Number	2021R20762
Date	Aug 6, 2021
Instrument	2021R20762

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2051

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		$92,300 (+61.67%) Land $92,300	$184,600 (+61.67%) Land $184,600
2025	$2,862.00 (+14.21%) Homeowner's exemption
2023	$2,506.00 Homeowner's exemption	$57,090	$114,180

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	8 in force
Nearby Flood Claims	1 (2011)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Nov 2011 · 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

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 682 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 · Fiber in parts of the area	100 / 20

May also be available: Spectrum, Verizon.

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