628 Waterloo Ave, Monroe, MI 48161 Property Records

Monroe County property record for 628 Waterloo Ave, Monroe, MI 48161 · Last verified August 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,210 sqft · built 1950
Lot Size	0.14 acres (6,098 sqft)
Owner	Individual Name on File
Last Sale	$166,000 (Apr 2023)
Tax Bill	$2,993 (2025)
Deeds & Mortgages	Jul 2026 Line of Credit Apr 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`55-19-00695-000`

Property Details

APN / Parcel Number

Primary APN	`55-19-00695-000`
Alternative APN	`55 190 069 50`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,210 sqft Living Area
1st Floor Area	968 sqft
Basement Area	968 sqft
Finished Basement	968 sqft
Interior Walls	Plaster

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1950
Exterior Material	Brick
Construction Type	Frame
Roof Type	Gable
Roof Material	Shingle
Lot Area	6,098 sqft (0.14 acres)
Lot Dimensions	120 ft deep x 50 ft wide
Terrain	Rolling
Garage Area	352 sqft
Driveway	Driveway
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	247 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Municipal

Location & Zoning

Street Address	628 WATERLOO AVE
City	MONROE
State	MI
Zip	48161-1618
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SOUTH CUSTER HEIGHTS LOT 138
Legal Subdivision	SOUTH CUSTER HEIGHTS
Legal Lot Number	138
Jurisdiction	MONROE MI
Township / Civil Division	MONROE
Census Block Group	4
Census Block	4007
Census Tract	832300

Owner

Source: Monroe County records · APN 55-19-00695-000

Assessment roll updated August 15, 2025 · Last verified August 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 File
Mailing Address	628 WATERLOO AVE, MONROE, MI 48161-1618
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 13, 2026	Deed of Trust, Mortgage · Line of Credit COASTAL COMMUNITY BANK
Apr 04, 2023	Warranty Deed, Transfer · FHA Mortgage UNION HOME MORTGAGE CORP

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Apr 04, 2023 · Amount on Record
Deed Sale	Apr 04, 2023 · Amount on Record
Deed Document Number	20234411
Record Updated	Sep 20, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE MI
Recording Date	Jul 13, 2026
Property Address	628 WATERLOO AVE, MONROE, MI 48161-1618
Document Number	0000012332
Instrument Date	Jul 07, 2026
Instrument	202612332
Transaction Type	Mortgage
Record Updated	Jul 20, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	628 WATERLOO AVE, MONROE, MI 48161-1618

Mortgage

Document Number	0000012332,
Date	Jul 13, 2026
Instrument	202612332

Lender

Name	COASTAL COMMUNITY BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	6.52%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

April 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE MI
Recording Date	Apr 04, 2023
Property Address	628 WATERLOO AVE, MONROE, MI 48161-1618
Document Number	0000004411
Map Reference	LB 5 PG 46
Instrument Date	Apr 03, 2023
Instrument	2023R04411
Transaction Type	Transfer
Record Updated	Jul 19, 2023
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	$1,245.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	628 WATERLOO AVE, MONROE, MI 48161-1618

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	628 WATERLOO AVE, MONROE, MI 48161-1618

Mortgage

Document Number	0000004412
Date	Apr 04, 2023
Instrument	2023R04412

Lender

Name	UNION HOME MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 01, 2053

Tax Assessment & Valuation

Source: Monroe County records · Assessment roll updated August 15, 2025 · Last verified August 2026

Property Jurisdictions

Type	Name
State	Michigan
County	Monroe County
Municipality	Monroe City
Unified School District	Monroe Public Schools (KG - 12)

Tax Bill & Assessment History

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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$101,200 (+4.87%)	$202,400 (+4.87%)
2025	$2,993.00 (+30.47%) Homeowner's exemption	$96,500 (+44.35%) Land $96,500	$193,000 (+44.35%) Land $193,000
2023	$2,294.00 Homeowner's exemption	$66,850	$133,700

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Monroe County (26115C), updated September 8, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

Values are read at the parcel center point; lenders make the official flood determination.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 504 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Xfinity	Cable	2,000 / 250
Spectrum	Cable	1,000 / 1,000
Verizon	Fixed Wireless	300 / 20
AT&T	DSL	100 / 20

May also be available at this address: Mercury Broadband, T-Mobile USA, AT&T. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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