Monroe County property record for 4355 S 3rd St, Luna Pier, MI 48157
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,020 sqft |
| Lot Size | 0.052 acres (2,265 sqft) |
| Owner | Individual Name on File |
| Last Sale | $86,900 (May 2018) |
| Tax Bill | $1,318 (2025) |
| Deeds & Mortgages | Feb 2022 Mortgage May 2018 Sale & Mortgage |
| Flood Zone | Zone AE (high risk) |
| APN | 51-140-030-00 |
| Primary APN | 51-140-030-00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 2 Stories |
| Building Area | 1,020 sqft Living Area |
| 1st Floor Area | 816 sqft |
| Lot Area | 2,265 sqft (0.052 acres) |
|---|---|
| Lot Dimensions | 45 ft deep x 50 ft wide |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 4355 S 3RD ST |
|---|---|
| City | LUNA PIER |
| State | MI |
| Zip | 48157-9504 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-1 |
| Legal Description | 1073-332 4355 THIRD ST LAKEWOOD REPLAT LOT 31. |
| Legal Subdivision | LAKEWOOD REPLAT |
| Legal Lot Number | 31 |
| Jurisdiction | MONROE MI |
| Township / Civil Division | LUNA PIER |
| Census Block Group | 1 |
| Census Block | 1003 |
| Census Tract | 833700 |
4355 S 3rd St is owned and occupied by an individual who bought it in May 2018.
Source: Monroe County records, as of September 3, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 4355 S 3RD ST, LUNA PIER, MI 48157-9504 |
| 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 |
|---|---|
| Feb 24, 2022 | Deed of Trust, Mortgage · Conventional Mortgage FLAGSTAR BANK FSB |
| May 25, 2018 | Warranty Deed, Transfer · Conventional with PMI QUICKEN LNS |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 25, 2018 · Amount on File |
| Deed Sale | May 25, 2018 · Amount on File |
| Prior Sale | Sep 9, 2016 · Amount on File |
| Deed Document Number | 20189419 |
| Prior Transfer Date | Jun 25, 2015 |
| Prior Transfer Doc | 0000013530 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE MI |
| Property Address | 4355 S 3RD ST, LUNA PIER, MI 48157-9504 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2022 |
| Title Company | ABSTRACT TITLE AGENCY |
| Name | Verified Name |
|---|---|
| Address | 4355 S 3RD ST, LUNA PIER, MI 48157-9504 |
| Document Number | 0000003992 |
|---|---|
| Date | Feb 24, 2022 |
| Instrument | 2022R03992 |
| Name | FLAGSTAR BANK FSB |
|---|---|
| Type | Bank |
| Address | TROY, MI 48098 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 241 Months |
| Due | Mar 1, 2042 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONROE MI |
| Recording Date | May 25, 2018 |
| Property Address | 4355 S 3RD ST, LUNA PIER, MI 48157-9504 |
| Document Number | 0000009419 |
| Instrument Date | May 11, 2018 |
| Instrument | 9419 |
| Transaction Type | Transfer |
| Record Updated | Jun 18, 2018 |
| Title Company | FIRST AMERICAN TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $747.34 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 7433 LUNITAS LN #37 PERRYSBURG OH 435514621, 37, PERRYSBURG, OH 43551-4621 |
| Document Number | 9321 |
|---|---|
| Date | May 25, 2018 |
| Instrument | 9321 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 24, 2048 |
The 2025 property tax bill for 4355 S 3rd St was $1,318 with a homeowner's exemption.
Source: Monroe County assessment roll, as of September 3, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Monroe County |
| Municipality | Luna Pier City |
| Unified School District | Mason Consolidated Schools (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $56,100 Land $56,100 | $112,200 Land $112,200 | |
| 2025 | $1,318.00 Homeowner's exemption | ||
| 2023 | $1,197.00 Homeowner's exemption | $35,500 | $71,000 |
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 4355 S 3rd St in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.
Source: FEMA National Flood Hazard Layer, effective September 8, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | 577.0 ft |
| Coastal | Yes |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on File median of 55 policies |
| Community Rating System | Class 8 (10% premium discount) |
| Nearby Flood Policies | 55 in force |
| Nearby Flood Claims | 91 (1978–2018) |
| Most Recent Claim | Apr 2018 · rainfall accumulation |
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.
The area around 4355 S 3rd 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.
Source: FCC Broadband Data Collection, based on 217 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Frontier Fiber | 7,000 / 7,000 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| Mercury Fiber Fixed Wireless | 150 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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