643 Michigan Ave, Monroe, MI 48162 Property Records

Monroe County property record for 643 Michigan Ave, Monroe, MI 48162

Property Summary

Property Type	Single Family Home
Details	1 ba · 683 sqft · built 1943
Lot Size	0.1 acres (4,356 sqft)
Owner	Individual Name on File
Last Sale	$119,000 (Apr 2025)
Tax Bill	$2,724 (2025)
Deeds & Mortgages	May 2022 Mortgage Oct 2021 Sale
Flood Zone	Zone X (minimal risk)
APN	`55-59-01644-000`

Property Details

APN / Parcel Number

Primary APN	`55-59-01644-000`
Alternative APN	`55 590 164 40`

Interior

Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	683 sqft Living Area
1st Floor Area	683 sqft
Basement Area	683 sqft
Unfinished Basement	683 sqft
Interior Walls	Plaster

Exterior

Year Built	Built 1943
Effective Year Built	Effective 1943
Exterior Material	Brick
Construction Type	Frame
Roof Type	Gable
Roof Material	Shingle
Lot Area	4,356 sqft (0.1 acres)
Lot Dimensions	105 ft deep x 40 ft wide
Terrain	Rolling
Garage Area	360 sqft
Driveway	Driveway
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	24 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	643 MICHIGAN AVE
City	MONROE
State	MI
Zip	48162-2979
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1A
Legal Description	WINKWORTHS ADDITION LOT 78 AND A STRIP OF LD BEING 5 FT E & W BY 40 FT N & S ADJ W SIDE SD LOT 78 BEING A PART OF VACATED
Legal Subdivision	WINKWORTHS ADD
Legal Lot Number	78
Jurisdiction	MONROE MI
Township / Civil Division	MONROE
Census Block Group	1
Census Block	1010
Census Tract	831700

Owner

643 Michigan Ave is owned by an individual who bought it in April 2025.

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

Owner of Record	Individual Name on File
Mailing Address	1054 MICHIGAN AVE, MONROE, MI 48162-3000
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
May 11, 2022	Deed of Trust, Mortgage · Conventional Mortgage HOME POINT FINANCIAL CORPORATION
Oct 27, 2021	Warranty Deed, Transfer LAWYERS TITLE AGENCY/MONROE, LAWYERS TITLE AGCY OF MONROE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 29, 2025 · Amount on File
Deed Sale	Apr 29, 2025 · Amount on File
Prior Sale	Oct 27, 2021 · Amount on File
Deed Document Number	20256943
Record Updated	Oct 29, 2026

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE MI
Property Address	643 MICHIGAN AVE, MONROE, MI 48162-2979
Transaction Type	Mortgage
Record Updated	May 31, 2022
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7387 DERBY ST, CANTON, MI 48187-2108

Mortgage

Document Number	0000010313
Date	May 11, 2022
Instrument	2022R10313

Lender

Name	HOME POINT FINANCIAL CORPORATION
Type	Mortgage Company
Address	ANN ARBOR, MI 48105

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2052

October 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE MI
Recording Date	Oct 27, 2021
Property Address	643 MICHIGAN AVE, MONROE, MI 48162-2979
Document Number	2021R27718
Map Reference	LB 3 PG 36
Instrument Date	Oct 18, 2021
Instrument	2021R27718
Transaction Type	Transfer
Record Updated	Dec 7, 2021
Title Company	LAWYERS TITLE AGENCY/MONROE, LAWYERS TITLE AGCY OF MONROE

Transaction

Amount	Amount on Record
Tax	$502.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	989 SUNSET ST, 989, MONROE, MI 48162-4369

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	7387 DERBY ST, CANTON, MI 48187-2108

Tax Assessment & Valuation

The 2025 property tax bill for 643 Michigan Ave was $2,724.

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		$48,900 (+7.71%) Land $48,900	$97,800 (+7.71%) Land $97,800
2025	$2,724.00	$45,400 Land $45,400	$90,800 Land $90,800
2023	$2,434.00	$38,400	$76,800

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

FEMA maps place 643 Michigan Ave in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1984.

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
Nearby Flood Claims	1 (1984)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Feb 1984 · tidal / storm surge

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

Wildfire risk around 643 Michigan Ave 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	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 199 locations within half a mile, as of December 31, 2025

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

May also be available: Verizon.

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