636 Borgess Ave, Monroe, MI 48162 Property Records

Monroe County property record for 636 Borgess Ave, Monroe, MI 48162

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 2,248 sqft · built 1948
Lot Size	0.25 acres (10,890 sqft)
Owner	Individual Name on File
Last Sale	$275,000 (Oct 2019)
Tax Bill	$6,539 (2025)
Deeds & Mortgages	Sep 2022 Mortgage Nov 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`55-69-01103-000`

Property Details

APN / Parcel Number

Primary APN	`55-69-01103-000`
Alternative APN	`55 690 110 30`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	1 Story
Building Area	2,248 sqft Living Area
1st Floor Area	1,485 sqft
Basement Area	216 sqft
Unfinished Basement	216 sqft
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1948
Effective Year Built	Effective 1948
Exterior Material	Wood Siding
Construction Type	Frame
Foundation Type	No Foundation
Roof Type	Gable
Roof Material	Shingle
Lot Area	10,890 sqft (0.25 acres)
Lot Dimensions	162 ft deep x 67.5 ft wide
Terrain	Rolling
Garage Area	897 sqft
Driveway	Driveway
Parking Spaces	4 Parking Spaces
Porch	Slab
Porch Area	602 sqft
Patio Area	283 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	636 BORGESS AVE
City	MONROE
State	MI
Zip	48162-2713
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1A
Legal Description	VERHOEVEN PLAT N 1/2 OF LOT 37 AND ALL OF LOT 38
Legal Subdivision	VERHOEVEN
Legal Lot Number	37-38
Jurisdiction	MONROE MI
Township / Civil Division	MONROE
Census Block Group	2
Census Block	2000
Census Tract	831500

Owner

636 Borgess Ave is owned and occupied by an individual who bought it in October 2019.

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

Owner of Record	Individual Name on File
Mailing Address	636 BORGESS AVE, MONROE, MI 48162-2713
Occupancy	Owner Occupied
Owner Type	Individual

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
Sep 15, 2022	Deed of Trust, Mortgage · FHA Mortgage CITIZENS BANK NA
Nov 8, 2021	Deed of Trust, Mortgage · FHA Mortgage CITIZENS BANK NA
Oct 31, 2019	Warranty Deed, Transfer FIRST AMERICAN TITLE
Sep 30, 2019	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 31, 2019 · Amount on File
Deed Sale	Oct 31, 2019 · Amount on File
Prior Sale	May 13, 1998 · Amount on File
Deed Document Number	201918839
Prior Transfer Date	Aug 9, 2019
Prior Transfer Doc	0000016681
Record Updated	Oct 29, 2026

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE MI
Property Address	636 BORGESS AVE, MONROE, MI 48162-2713
Transaction Type	Mortgage
Record Updated	Oct 6, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	636 BORGESS AVE, MONROE, MI 48162-2713

Mortgage

Document Number	0000018287
Date	Sep 15, 2022
Instrument	2022R18287

Lender

Name	CITIZENS BANK NA
Type	Bank
Address	GLEN ALLEN, VA 23059

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	326 Months
Due	Nov 1, 2049

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE MI
Property Address	636 BORGESS AVE, MONROE, MI 48162-2713
Transaction Type	Mortgage
Record Updated	Dec 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	636 BORGESS AVE, MONROE, MI 48162-2713

Mortgage

Document Number	0000028777
Date	Nov 8, 2021
Instrument	2021R28777

Lender

Name	CITIZENS BANK NA
Type	Bank
Address	GLEN ALLEN, VA 23059

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	336 Months
Due	Nov 1, 2049

October 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE MI
Recording Date	Oct 31, 2019
Property Address	636 BORGESS AVE, MONROE, MI 48162-2713
Document Number	2019R18839
Map Reference	LB 4 PG 3
Instrument Date	Oct 18, 2019
Instrument	2019R18839
Transaction Type	Transfer
Record Updated	Jul 13, 2021
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount on Record
Tax	$2,365.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7795 GLENFIELD DR, MONROE, MI 48161-4709

September 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MONROE MI
Recording Date	Sep 30, 2019
Property Address	636 BORGESS AVE, MONROE, MI 48162-2713
Document Number	0000016681
Instrument Date	Aug 9, 2019
Instrument	16681
Transaction Type	Transfer
Record Updated	Oct 23, 2019
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	636 BORGESS AVE MONROE MI 481622713, MONROE, MI 48162-2713

Tax Assessment & Valuation

The 2025 property tax bill for 636 Borgess Ave was $6,539 with a homeowner's exemption.

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$174,700 Land $174,700	$349,400 Land $349,400
2025	$6,539.00 Homeowner's exemption
2023	$5,719.00 Homeowner's exemption	$137,880	$275,760

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 636 Borgess Ave in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2023.

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 13 policies
Nearby Flood Policies	13 in force
Nearby Flood Claims	1 (2023)
Most Recent Claim	Aug 2023 · Severe Storms, Tornadoes, And Flooding

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

The area around 636 Borgess Ave has no burnable land within ember reach, so its wildfire risk is not rated.

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.

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

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
Mercury Fiber Fixed Wireless	150 / 20
AT&T DSL · Fiber, Fixed Wireless in parts of the area	100 / 20

May also be available: Spectrum, T-Mobile.

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