4981 Kay Dr, Monroe, MI 48161 Property Records

Monroe County property record for 4981 Kay Dr, Monroe, MI 48161

Property Summary

Property Type	Single Family Home
Lot Size	0.278 acres (12,110 sqft)
Owner	2 Individual Names on File
Last Sale	$376,360 (Sep 2025)
Tax Bill	$5,178 (2025)
Deeds & Mortgages	Aug 2021 Mortgage Sep 2025 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`12-035-024-00`

Property Details

APN / Parcel Number

Primary APN	`12-035-024-00`

Exterior

Lot Area	12,110 sqft (0.278 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	4981 KAY DR
City	MONROE
State	MI
Zip	48161-3657
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	MAP 45 0.278 AC WILDWOOD ESTATES PLAT TWO LOT 24
Legal Subdivision	WILDWOOD ESTATES 2
Legal Lot Number	24
Jurisdiction	MONROE MI
Township / Civil Division	MONROE
Census Block Group	2
Census Block	2001
Census Tract	832400

Owner

4981 Kay Dr is owned and occupied by two individuals who bought it in September 2025.

Source: Monroe County records, as of September 3, 2026

Owner of Record	2 Individual Names on File
Mailing Address	26250 TERRITORIAL CROSSINGS RD, NEW BOSTON, MI 48164-8632
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Couple

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Aug 10, 2021	Deed of Trust, Mortgage · Conventional Mortgage LUTHERAN FCU
Sep 18, 2025	Warranty Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC
Aug 27, 2020	Deed of Trust, Mortgage · Conventional Mortgage PHH MORTGAGE SERVICES CORP
Mar 20, 2019	Warranty Deed, Transfer · Conventional with PMI NATIONS LNDG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 18, 2025 · Amount on File
Deed Sale	Sep 18, 2025 · Amount on File
Prior Sale	Mar 20, 2019 · Amount on File
Deed Document Number	202515508
Record Updated	Oct 29, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE MI
Property Address	4981 KAY DR, MONROE, MI 48161-3657
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4981 KAY DR, MONROE, MI 48161-3657

Mortgage

Document Number	0000021078
Date	Aug 10, 2021
Instrument	2021R21078

Lender

Name	LUTHERAN FCU
Type	Credit Union
Address	SAINT LOUIS, MO 63127

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Aug 1, 2036

September 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE MI
Recording Date	Sep 18, 2025
Property Address	4981 KAY DR, MONROE, MI 48161-3657
Document Number	0000015508
Map Reference	LB 18 PG 64-69
Instrument Date	Sep 10, 2025
Instrument	2025R15508
Transaction Type	Transfer
Record Updated	Apr 3, 2026
Title Company	CORTITLE LLC, CORETITLE LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,823.75
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4981 KAY DR, MONROE, MI 48161-3657

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	26250 TERRITORIAL CROSSINGS RD, NEW BOSTON, MI 48164-8632

Mortgage

Document Number	0000015555
Date	Sep 18, 2025
Instrument	2025R15555

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2055

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE MI
Property Address	4981 KAY DR, MONROE, MI 48161-3657
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4981 KAY DR, MONROE, MI 48161-3657

Mortgage

Document Number	0000017426
Date	Aug 27, 2020
Instrument	2020R17426

Lender

Name	PHH MORTGAGE SERVICES CORP
Type	Mortgage Company
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	179 Months
Due	Jul 1, 2035

March 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE MI
Recording Date	Mar 20, 2019
Property Address	4981 KAY DR, MONROE, MI 48161-3657
Document Number	0000003824
Instrument Date	Mar 18, 2019
Instrument	3824
Transaction Type	Transfer
Record Updated	Apr 2, 2019
Title Company	LAWYERS TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,279.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4981 KAY DR MONROE MI 481613657, MONROE, MI 48161-3657

Mortgage

Document Number	3825
Date	Mar 20, 2019
Instrument	3825

Lender

Name	NATIONS LNDG
Address	INDEPENDENCE, OH 44131

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	180 Months
Due	Mar 19, 2034

Tax Assessment & Valuation

The 2025 property tax bill for 4981 Kay Dr was $5,178 with a homeowner's exemption, up 3.5% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$214,500 (+4.61%) Land $214,500	$429,000 (+4.61%) Land $429,000
2025	$5,178.00 (+3.52%) Homeowner's exemption	$205,050 Land $205,050	$410,100 Land $410,100
2024	$5,002.00 (+11.13%)
2023	$4,501.00 Homeowner's exemption	$168,400	$336,800

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

FEMA maps place 4981 Kay Dr in Zone X, an area of minimal flood risk.

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

Wildfire risk around 4981 Kay Dr is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 96% of the US · lower than 91% 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 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 114 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Starlink Satellite	280 / 30
Mercury Fiber Fixed Wireless	150 / 20

May also be available: Verizon.

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