4860 S Huron River Dr, Flat Rock, MI 48134 Property Records

Monroe County property record for 4860 S Huron River Dr, Flat Rock, MI 48134

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,363 sqft · built 1965
Lot Size	2.77 acres (120,661 sqft)
Owner	Individual Name on Record
Last Sale	$625,000 (Jun 2022)
Tax Bill	$15,526 (2025)
Deeds & Mortgages	Jun 2022 Sale & Mortgage Mar 2017 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`03-006-089-00`

Property Details

APN / Parcel Number

Primary APN	`03-006-089-00`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,363 sqft Living Area
1st Floor Area	1,599 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1965
Effective Year Built	Effective 1965
Lot Area	120,661 sqft (2.77 acres)
Garage Area	1,008 sqft
Parking Spaces	4 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	4860 S HURON RIVER DR
City	FLAT ROCK
State	MI
Zip	48134-9610
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AG
Legal Description	858-274 1003-0483 SEC 6 T5S R10E 2.773 A COM AT A PT 1209.5 FT N & 1336 FT N 89 DEG 01' E 135 FT S 0 DEG 24' E FR S 1/4 COR
Legal Range	10E
Legal Township	05S
Legal Section	18
Jurisdiction	MONROE MI
Township / Civil Division	BERLIN
Census Block Group	3
Census Block	3010
Census Tract	830100

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	4860 S HURON RIVER DR, FLAT ROCK, MI 48134-9610
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 29, 2022	Warranty Deed, Transfer · Conventional Mortgage CHANGE LENDING LLC
Mar 2, 2017	Deed of Trust, Mortgage · Line of Credit JP MORGAN CHASE BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 29, 2022 · Amount on Record
Deed Sale	Jun 29, 2022 · Amount on Record
Deed Document Number	202213318
Record Updated	Oct 29, 2026

June 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE MI
Recording Date	Jun 29, 2022
Property Address	4860 S HURON RIVER DR, FLAT ROCK, MI 48134-9610
Document Number	0000013318
Instrument Date	Jun 14, 2022
Instrument	2022R13318
Transaction Type	Transfer
Record Updated	Jul 15, 2022
Title Company	LIBERTY TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,687.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	48602 S HURON RIVER DR, 48602, FLAT ROCK, MI 48134

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4860 S HURON RIVER DR, FLAT ROCK, MI 48134-9610

Mortgage

Document Number	0000012913
Date	Jun 22, 2022
Instrument	2022R12913

Lender

Name	CHANGE LENDING LLC
Type	Mortgage Company
Address	IRVINE, CA 92606

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2052

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE MI
Property Address	4860 S HURON RIVER DR, FLAT ROCK, MI 48134-9610
Document Number	0000005093
Instrument Date	Mar 2, 2017
Transaction Type	Mortgage
Record Updated	Jun 21, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4860 S HURON RIVER DR FLAT ROCK MI 481349610, FLAT ROCK, MI 48134-9610

Mortgage

Document Number	0000005093
Date	Mar 14, 2017
Instrument	5093

Lender

Name	JP MORGAN CHASE BK
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	420 Months
Due	Mar 13, 2052

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Michigan
County	Monroe County
County Subdivision	Berlin Charter Township
Unified School District	Airport Community School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$339,800 (+212.6%) Land $339,800	$679,600 (+212.6%) Land $679,600
2025	$15,526.00 (+419.09%)
2023	$2,991.00	$108,700	$217,400

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	7 in force
Nearby Flood Claims	5 (1983–2015)
Most Recent Claim	May 2015 · other causes

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 80% of the US · above 51% of Michigan
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation

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	FLAT ROCK serves 10,541 people · EPA ID MI0002300
Water Source	Purchased surface water from GREAT LAKES WATER AUTHORITY
Last State Inspection	Nov 2025
Lead	5 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Treatment failure not recorded as resolved · Aug 2025
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 30 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
Mercury Fiber Fixed Wireless	150 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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