445 Sunfish Ln, Temperance, MI 48182 Property Records

Monroe County property record for 445 Sunfish Ln, Temperance, MI 48182

Property Summary

Property Type	Single Family Home
Lot Size	0.17 acres (7,405 sqft)
Owner	Individual Name on Record
Last Sale	$282,500 (May 2025)
Tax Bill	$1,125 (2025)
Deeds & Mortgages	Sep 2021 Mortgage Aug 2019 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`02-492-055-00`

Property Details

APN / Parcel Number

Primary APN	`02-492-055-00`

Exterior

Lot Area	7,405 sqft (0.17 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	445 SUNFISH LN
City	TEMPERANCE
State	MI
Zip	48182-3006
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PRAIRIE WOODS PLAT 2 LOT 55
Legal Subdivision	PRAIRIE WOODS
Legal Lot Number	55
Jurisdiction	MONROE MI
Township / Civil Division	BEDFORD
Census Block Group	2
Census Block	2010
Census Tract	833500

Owner

Source: Monroe County records, as of August 18, 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	2204 FOUNTAIN CIR, LAMBERTVILLE, MI 48144-8703
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 29, 2021	Deed of Trust, Mortgage · Conventional Mortgage DIRECTIONS CU
Aug 16, 2019	Warranty Deed, Transfer · Conventional Mortgage DIRECTIONS CU
Jul 25, 2017	Warranty Deed, Transfer · Conventional Mortgage DIRECTIONS CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 1, 2025 · Amount on Record
Deed Sale	May 1, 2025 · Amount on Record
Prior Sale	Aug 16, 2019 · Amount on Record
Deed Document Number	20257085
Record Updated	Sep 20, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE MI
Property Address	445 SUNFISH LN, TEMPERANCE, MI 48182-3006
Transaction Type	Mortgage
Record Updated	Nov 17, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	445 SUNFISH LN, TEMPERANCE, MI 48182-3006

Mortgage

Document Number	2021R25146
Date	Sep 29, 2021
Instrument	2021R25146

Lender

Name	DIRECTIONS CU
Type	Credit Union
Address	TOLEDO, OH 43604

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Oct 1, 2036

August 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE MI
Recording Date	Aug 16, 2019
Property Address	445 SUNFISH LN, TEMPERANCE, MI 48182-3006
Document Number	0000013756
Instrument Date	Aug 12, 2019
Instrument	13756
Transaction Type	Transfer
Record Updated	Sep 17, 2019
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,677.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	8070 BAY CT TEMPERANCE MI 481829155, TEMPERANCE, MI 48182-9155

Mortgage

Document Number	13555
Date	Aug 16, 2019
Instrument	13555

Lender

Name	DIRECTIONS CU
Type	Credit Union
Address	TOLEDO, OH 43604

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 15, 2049

July 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE MI
Recording Date	Jul 25, 2017
Property Address	445 SUNFISH LN, TEMPERANCE, MI 48182-3006
Document Number	0000015213
Instrument Date	Jul 10, 2017
Instrument	15213
Transaction Type	Transfer
Record Updated	Aug 10, 2017
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,556.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1096 SANCTUARY WAY TEMPERANCE MI 481829183, TEMPERANCE, MI 48182-9183

Mortgage

Document Number	15214
Date	Jul 25, 2017
Instrument	15214

Lender

Name	DIRECTIONS CU
Type	Credit Union
Address	MAUMEE, OH 43537

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jul 24, 2032

Tax Assessment & Valuation

Source: Monroe County assessment roll, as of August 15, 2025

Property Jurisdictions

Type	Name
State	Michigan
County	Monroe County
County Subdivision	Bedford Township
Unified School District	Bedford Public Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$128,700 (+32.54%)	$257,400 (+32.54%)
2025	$1,125.00 (-54.31%) Homeowner's exemption
2023	$2,462.00 Homeowner's exemption	$97,100	$194,200

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
Flood Insurance Cost	Premium on Record median of 10 policies
Community Rating System	Class 9 (5% premium discount)
Nearby Flood Policies	10 in force
Nearby Flood Claims	2 (1979–2006)
Most Recent Claim	Jun 2006 · 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.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 97% of the US · lower than 93% of Michigan
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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 SOUTH COUNTY serves 33,816 people · EPA ID MI0004455
Water Source	Purchased surface water from CITY OF TOLEDO
Last State Inspection	Aug 2025
Lead	1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 133 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Buckeye Cablesystem Cable	1,000 / 20
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
Mercury Fiber Fixed Wireless	150 / 20

May also be available: T-Mobile.

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