640 Pearl St, Dundee, MI 48131 Property Records

Monroe County property record for 640 Pearl St, Dundee, MI 48131

Property Summary

Property Type	Single Family Home
Lot Size	0.31 acres (13,504 sqft)
Owner	2 Individual Names on File
Last Sale	$85,000 (Oct 2018)
Tax Bill	$2,014 (2025)
Deeds & Mortgages	Oct 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`42-040-383-00`

Property Details

APN / Parcel Number

Primary APN	`42-040-383-00`

Exterior

Lot Area	13,504 sqft (0.31 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	640 PEARL ST
City	DUNDEE
State	MI
Zip	48131-1018
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	862-410 1279-65 SEC 13 T 6 S R 6 E COM 418.80 FT S 88 DEG 45' E FR THE COR OF SOUTH & PEARL STS TH N 1 DEG 15' E 174.60 FT TH
Legal Range	06E
Legal Township	06S
Legal Section	13
Legal Lot Number	25-27
Jurisdiction	MONROE MI
Township / Civil Division	DUNDEE
Census Block Group	1
Census Block	1017
Census Tract	830801

Owner

640 Pearl St is owned and occupied by two individuals who bought it in October 2018.

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

Owner of Record	2 Individual Names on File
Mailing Address	640 PEARL ST, DUNDEE, MI 48131-1018
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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 25, 2018 · Amount on File
Deed Sale	Oct 25, 2018 · Amount on File
Prior Sale	Aug 7, 2009 · Amount on File
Deed Document Number	201819561
Prior Transfer Date	May 20, 2011
Prior Transfer Doc	0000010458
Record Updated	Oct 29, 2026

October 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE MI
Recording Date	Oct 25, 2018
Property Address	640 PEARL ST, DUNDEE, MI 48131-1018
Document Number	2018R19561
Map Reference	LB 2 PG 51
Instrument Date	Oct 11, 2018
Instrument	2018R19561
Transaction Type	Transfer
Record Updated	Jul 13, 2021
Title Company	LAWYERS TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$731.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	860 PLANK ST, 860, DUNDEE, MI 48131-2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1201 RIVERSEDGE DR, SALINE, MI 48176-2411

Mortgage

Document Number	2018R19562
Date	Oct 25, 2018
Instrument	2018R19562

Lender

Name	ROYAL UNITED MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2048

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2025 property tax bill for 640 Pearl St was $2,014 with a homeowner's exemption.

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

Property Jurisdictions

Type	Name
State	Michigan
County	Monroe County
County Subdivision	Dundee Township
Municipality	Dundee Village
Unified School District	Dundee Community Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$112,540 Land $112,540	$225,080 Land $225,080
2025	$2,014.00 Homeowner's exemption
2023	$1,278.00 Homeowner's exemption	$63,740	$127,480

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

Flood

FEMA maps place 640 Pearl St 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 640 Pearl St 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 99.1% of the US · lower than 98.4% 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	DUNDEE serves 5,400 people · EPA ID MI0001880
Water Source	Purchased surface water from MONROE
Last State Inspection	Aug 2024
Lead	Under 1 ppb (2026) action level 15 ppb

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 328 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
D&P Communications Fiber · Cable	4,000 / 4,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
MetaLINK Technologies Fixed Wireless	200 / 50
Mercury Fiber Fixed Wireless	150 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20