Monroe County property record for 529 E Sterns Rd, Temperance, MI 48182
| Property Type | Single Family Home |
|---|---|
| Lot Size | 0.58 acres (25,265 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $125,000 (Aug 2021) |
| Tax Bill | $1,602 (2025) |
| Deeds & Mortgages | Sep 2026 Mortgage Apr 2023 Second Mortgage + 1 more |
| Flood Zone | Zone AE (high risk) |
| APN | 02-036-014-00 |
| Primary APN | 02-036-014-00 |
|---|
| Lot Area | 25,265 sqft (0.58 acres) |
|---|
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 529 E STERNS RD |
|---|---|
| City | TEMPERANCE |
| State | MI |
| Zip | 48182-9566 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SEC 36 T8S R7E 0.58 ACRE COM @ A PT ON C/L OF STERNS RD 881 FT S 85D 11M E FR NW COR OF NE 1/4 OF SD SEC 36 TH S 85D 11M E |
| Legal Range | 07E |
| Legal Township | 08S |
| Legal Section | 36 |
| Jurisdiction | MONROE MI |
| Township / Civil Division | BEDFORD |
| Census Block Group | 2 |
| Census Block | 2011 |
| Census Tract | 833500 |
Source: Monroe County records, as of October 5, 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 | 11158 NICHOLS RD, INTERLOCHEN, MI 49643-9182 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 28, 2026 | Deed of Trust, Mortgage · Conventional Mortgage SYLVANIA AREA FEDERAL CREDIT UNION |
| Apr 27, 2023 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage SYLVANIA AREA FCU |
| Aug 11, 2021 | Warranty Deed, Transfer · Conventional Mortgage SYLVANIA AREA FCU |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 11, 2021 · Amount on Record |
| Deed Sale | Aug 11, 2021 · Amount on Record |
| Prior Sale | Aug 30, 2001 · Amount on Record |
| Deed Document Number | 202121154 |
| Prior Transfer Date | Mar 24, 2015 |
| Prior Transfer Doc | 0000005897 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE MI |
| Recording Date | Sep 28, 2026 |
| Property Address | 529 E STERNS RD, TEMPERANCE, MI 48182-9566 |
| Document Number | 0000017111 |
| Instrument Date | Sep 18, 2026 |
| Instrument | 202617111 |
| Transaction Type | Mortgage |
| Record Updated | Oct 5, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 529 E STERNS RD, TEMPERANCE, MI 48182-9566 |
| Document Number | 0000017111, |
|---|---|
| Date | Sep 28, 2026 |
| Instrument | 202617111 |
| Name | SYLVANIA AREA FEDERAL CREDIT UNION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Oct 1, 2036 |
| Rate Type | Fixed Rate |
|---|---|
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE MI |
| Property Address | 529 E STERNS RD, TEMPERANCE, MI 48182-9566 |
| Transaction Type | Mortgage |
| Record Updated | May 22, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0000006582 |
|---|---|
| Date | Apr 27, 2023 |
| Instrument | 2023R06582 |
| Name | SYLVANIA AREA FCU |
|---|---|
| Type | Credit Union |
| Address | SYLVANIA, OH 43560 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 122 Months |
| Due | Jun 1, 2033 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONROE MI |
| Recording Date | Aug 11, 2021 |
| Property Address | 529 E STERNS RD, TEMPERANCE, MI 48182-9566 |
| Document Number | 2021R21154 |
| Instrument Date | Aug 9, 2021 |
| Instrument | 2021R21154 |
| Transaction Type | Transfer |
| Record Updated | Sep 17, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $937.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 7310 SECOR RD, 7310, PETERSBURG, MI 49270-9724 |
| Name | Verified Name |
|---|---|
| Address | 5024 HOMERDALE AVE, TOLEDO, OH 43623-2933 |
| Document Number | 2021R21155 |
|---|---|
| Date | Aug 11, 2021 |
| Instrument | 2021R21155 |
| Name | SYLVANIA AREA FCU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 1, 2051 |
Source: Monroe County assessment roll, as of September 3, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Monroe County |
| County Subdivision | Bedford Township |
| Unified School District | Bedford Public Schools (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $69,500 (+29.18%) Land $69,500 | $139,000 (+29.18%) Land $139,000 | |
| 2025 | $1,602.00 (+12.18%) Homeowner's exemption | ||
| 2023 | $1,428.00 Homeowner's exemption | $53,800 | $107,600 |
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.
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 | Varies along the reach; see FIRM |
| Flood Insurance Requirement | Required federally backed loans |
| 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.
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: 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 |
| 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.
Source: FCC Broadband Data Collection, based on 29 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Frontier Fiber | 7,000 / 7,000 |
| Buckeye Cablesystem Cable | 1,000 / 20 |
| Verizon Fixed Wireless | 300 / 20 |
| Mercury Fiber Fixed Wireless | 150 / 20 |
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