545 Oak Dr, Monroe, MI 48161 Property Records

Monroe County property record for 545 Oak Dr, Monroe, MI 48161

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,910 sqft · built 1918
Lot Size	0.665 acres (28,967 sqft)
Owner	Individual Name on File
Last Sale	$185,000 (Mar 2024)
Tax Bill	$1,135 (2025)
Deeds & Mortgages	Mar 2024 Sale & Mortgage May 2023 Second Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`12-250-004-00`

Property Details

APN / Parcel Number

Primary APN	`12-250-004-00`

Interior

Full Baths	2 Baths
Stories	5 Stories
Building Area	1,910 sqft Living Area
1st Floor Area	1,910 sqft
Basement Area	821 sqft

Exterior

Year Built	Built 1918
Effective Year Built	Effective 1918
Lot Area	28,967 sqft (0.665 acres)
Lot Dimensions	140 ft deep x 70 ft wide
Garage Area	1,080 sqft
Parking Spaces	4 Parking Spaces

Utilities, Heating & Cooling

Cooling System	None
Heating System	Forced Air with A/C

Location & Zoning

Street Address	545 OAK DR
City	MONROE
State	MI
Zip	48161-1607
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	MAP 90 WERTENBERGER PLACE N 1/2 OF LOT 4 & ALL OF LOT 5
Legal Subdivision	WERTENBERGER PLACE - MONROE TO
Legal Lot Number	4-5
Jurisdiction	MONROE MI
Township / Civil Division	MONROE
Census Block Group	4
Census Block	4017
Census Tract	832300

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Mailing Address	443 ARBOR AVE, MONROE, MI 48162-2510
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Man

Deeds, Mortgages & Sale History

Date	Document
Mar 27, 2024	Warranty Deed, Transfer · FHA Mortgage MORTGAGE 1 INC
May 5, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage MONROE COMMUNITY CU
Oct 27, 2021	Warranty Deed, Transfer · Conventional Mortgage UNION HOME MORTGAGE CORP

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Mar 27, 2024 · Amount on Record
Deed Sale	Mar 27, 2024 · Amount on Record
Prior Sale	Oct 27, 2021 · Amount on Record
Deed Document Number	20243924
Record Updated	Sep 20, 2026

March 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE MI
Recording Date	Mar 27, 2024
Property Address	545 OAK DR, MONROE, MI 48161-1607
Document Number	0000003924
Map Reference	LB 5 OF PLS PG 45
Instrument Date	Mar 25, 2024
Instrument	2024R03924
Transaction Type	Transfer
Record Updated	Apr 18, 2024
Title Company	ETITLE INSURANCE AGENCY, TITLE INSURANCE AGENCY

Transaction

Amount	Amount Recorded
Tax	$1,387.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	545 OAK DR, MONROE, MI 48161-1607

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	443 ARBOR AVE, MONROE, MI 48162-2510

Mortgage

Document Number	0000004034
Date	Mar 27, 2024
Instrument	2024R04034

Lender

Name	MORTGAGE 1 INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	481 Months
Due	Apr 1, 2064

Mortgage

Document Number	0000004034
Date	Mar 29, 2024
Instrument	2024R04034

Lender

Name	MORTGAGE 1 INC
Type	Mortgage Company
Address	43456 MOUND RD, STERLING HEIGHTS, MI 48314

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	481 Months
Due	Apr 1, 2064

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE MI
Property Address	545 OAK DR, MONROE, MI 48161-1607
Transaction Type	Mortgage
Record Updated	May 26, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	545 OAK DR, MONROE, MI 48161-1607

Mortgage

Document Number	0000007070
Date	May 5, 2023
Instrument	2023R07070

Lender

Name	MONROE COMMUNITY CU
Type	Credit Union
Address	MONROE, MI 48162

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	179 Months
Due	Apr 29, 2038

October 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE MI
Recording Date	Oct 27, 2021
Property Address	545 OAK DR, MONROE, MI 48161-1607
Document Number	2021R27705
Map Reference	LB 5 PG 45
Instrument Date	Oct 7, 2021
Instrument	2021R27705
Transaction Type	Transfer
Record Updated	Dec 7, 2021
Title Company	LAWYERS TITLE AGENCY/MONROE, LAWYERS TITLE AGCY OF MONROE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,012.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	545 OAK DR, 545, MONROE, MI 48161-1607

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	545 OAK DR, MONROE, MI 48161-1607

Mortgage

Document Number	2021R27706
Date	Oct 27, 2021
Instrument	2021R27706

Lender

Name	UNION HOME MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2051

Tax Assessment & Valuation

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

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		$104,550 (+21.08%)	$209,100 (+21.08%)
2025	$1,135.00 (-55.37%) Homeowner's exemption
2023	$2,543.00 Homeowner's exemption	$86,350	$172,700

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
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
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 99.1% of the US · lower than 98.4% of Michigan
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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 504 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
AT&T DSL · Fiber, Fixed Wireless in parts of the area	100 / 20

May also be available: Mercury Broadband, T-Mobile USA.

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