4496 School Rd, Temperance, MI 48182 Property Records

Monroe County property record for 4496 School Rd, Temperance, MI 48182

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,212 sqft · built 1969
Lot Size	2.15 acres (93,654 sqft)
Owner	2 Individual Names on Record
Last Sale	$285,000 (Jul 2026)
Tax Bill	$1,866 (2025)
Deeds & Mortgages	Jul 2026 Sale & Mortgage Mar 2026 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`15-001-009-10`

Property Details

APN / Parcel Number

Primary APN	`15-001-009-10`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,212 sqft Living Area
1st Floor Area	1,212 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1969
Effective Year Built	Effective 1969
Exterior Material	Aluminum/Vinyl
Foundation Type	No Foundation
Lot Area	93,654 sqft (2.15 acres)
Garage Area	572 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	4496 SCHOOL RD
City	TEMPERANCE
State	MI
Zip	48182-9755
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA
Legal Description	1215-810 SEC 1 T8S R6E 2.15 AC COM AT A PT ON CL OF SCHOOL RD 807.84 FT N 89 DEG 23'W FR E 1/4 COR OF SEC 1 TH N 89 DEG 23'W
Legal Range	06E
Legal Township	08S
Legal Section	89
Jurisdiction	MONROE MI
Township / Civil Division	WHITEFORD
Census Block Group	1
Census Block	1015
Census Tract	833000

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	2 Individual Names on Record
Mailing Address	2042 WILSON DR, ERIE, MI 48133-9704
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Jul 28, 2026	Warranty Deed, Transfer · Conventional Mortgage MORTGAGE CENTER LLC
Mar 31, 2026	Deed of Trust, Mortgage · Line of Credit THE HUNTINGTON NATIONAL BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 28, 2026 · Amount on Record
Deed Sale	Jul 28, 2026 · Amount on Record
Deed Document Number	202613188
Record Updated	Oct 29, 2026

July 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE MI
Recording Date	Jul 28, 2026
Property Address	4496 SCHOOL RD, TEMPERANCE, MI 48182-9755
Document Number	0000013188
Instrument Date	Jul 23, 2026
Instrument	202613188
Transaction Type	Transfer
Record Updated	Aug 5, 2026
Title Company	LAWYERS TITLE AGENCY, LAWYERS TITLE AGENCY OF MONROE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$215,887.50
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2042 WILSON DR, ERIE, MI 48133-9704

Mortgage

Document Number	0000013189,
Date	Jul 28, 2026
Instrument	202613189

Lender

Name	MORTGAGE CENTER LLC

Agreement

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

Interest

Rate Type	Fixed Rate
Rate	6.52%
Initial Type	Fixed Rate
Max Rate	-1%

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE MI
Property Address	4496 SCHOOL RD, TEMPERANCE, MI 48182-9755
Transaction Type	Mortgage
Record Updated	Apr 8, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4496 SCHOOL RD, TEMPERANCE, MI 48182-9755

Mortgage

Document Number	0000004952
Date	Mar 31, 2026
Instrument	2026R04952

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank
Address	COLUMBUS, OH 43231

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Mar 18, 2056

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

Source: Monroe County assessment roll, as of September 3, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$97,700 (+2.09%) Land $97,700	$195,400 (+2.09%) Land $195,400
2025	$1,866.00 (+1.19%) Homeowner's exemption	$95,700 (+29.15%) Land $95,700	$191,400 (+29.15%) Land $191,400
2024	$1,844.00 (+12.65%)
2023	$1,637.00 Homeowner's exemption	$74,100	$148,200

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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 94% of the US · lower than 85% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 24 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	2,500 / 2,500
Buckeye Cablesystem Cable	1,000 / 20

May also be available: Mercury Fiber.

Cell Coverage

5G (outdoors only) and 4G LTE

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