646 Lavender St, Monroe, MI 48162 Property Records

Monroe County property record for 646 Lavender St, Monroe, MI 48162

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,296 sqft · built 1965
Lot Size	0.33 acres (14,375 sqft)
Owner	Individual Name on File
Last Sale	$195,000 (Apr 2021)
Tax Bill	$3,944 (2025)
Deeds & Mortgages	Apr 2021 Sale Feb 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`55-69-00544-346`

Property Details

APN / Parcel Number

Primary APN	`55-69-00544-346`
Alternative APN	`55 690 054 43`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,296 sqft Living Area
1st Floor Area	864 sqft
Basement Area	864 sqft
Unfinished Basement	864 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1965
Effective Year Built	Effective 1965
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Shingle
Lot Area	14,375 sqft (0.33 acres)
Lot Dimensions	202 ft deep x 70 ft wide
Terrain	Rolling
Garage Area	480 sqft
Driveway	Driveway
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	496 sqft
Patio Area	400 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	646 LAVENDER ST
City	MONROE
State	MI
Zip	48162-2853
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1A
Legal Description	ST MARYS GARDENS SUBDIVISION REPLAT LOT 346
Legal Subdivision	GARDENS SUB
Legal Lot Number	346
Jurisdiction	MONROE MI
Township / Civil Division	MONROE
Census Block Group	1
Census Block	1000
Census Tract	831500

Owner

646 Lavender St is owned and occupied by an individual who bought it in April 2021.

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

Owner of Record	Individual Name on File
Mailing Address	646 LAVENDER ST, MONROE, MI 48162-2853
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
Apr 5, 2021	Warranty Deed, Transfer LAWYERS TITLE AGENCY/MONROE, LAWYERS TITLE AGCY OF MONROE
Feb 29, 2020	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS
Jul 12, 2017	Deed of Trust, Mortgage · Conventional with PMI QUICKEN LNS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 5, 2021 · Amount on File
Deed Sale	Apr 5, 2021 · Amount on File
Deed Document Number	20218515
Record Updated	Oct 29, 2026

April 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE MI
Recording Date	Apr 5, 2021
Property Address	646 LAVENDER ST, MONROE, MI 48162-2853
Document Number	2021R08515
Map Reference	LB 13 PG 16
Instrument Date	Mar 29, 2021
Instrument	2021R08515
Transaction Type	Transfer
Record Updated	May 13, 2021
Title Company	LAWYERS TITLE AGENCY/MONROE, LAWYERS TITLE AGCY OF MONROE

Transaction

Amount	Amount on Record
Tax	$1,462.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	646 LAVENDER ST, 646, MONROE, MI 48162-2853

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	646 LAVENDER ST, MONROE, MI 48162-2853

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE MI
Property Address	646 LAVENDER ST, MONROE, MI 48162-2853
Document Number	0000004472
Instrument Date	Feb 29, 2020
Transaction Type	Mortgage
Record Updated	Apr 22, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	646 LAVENDER ST MONROE MI 481622853, MONROE, MI 48162-2853

Mortgage

Document Number	0000004472
Date	Mar 5, 2020
Instrument	4472

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 4, 2050

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE MI
Property Address	646 LAVENDER ST, MONROE, MI 48162-2853
Document Number	0000015004
Instrument Date	Jul 12, 2017
Transaction Type	Mortgage
Record Updated	Aug 18, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	646 LAVENDER ST MONROE MI 481622853, MONROE, MI 48162-2853

Mortgage

Document Number	0000015004
Date	Jul 20, 2017
Instrument	15004

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	180 Months
Due	Jul 19, 2032

Tax Assessment & Valuation

The 2025 property tax bill for 646 Lavender St was $3,944 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		$113,800 Land $113,800	$227,600 Land $227,600
2025	$3,944.00 Homeowner's exemption
2023	$3,446.00	$78,490	$156,980

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 646 Lavender St in Zone X, an area of minimal flood risk, though there have been 15 flood claims nearby since 1978.

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 Policies	5 in force
Nearby Flood Claims	15 (1978–2023)
Claims Outside the SFHA	1 of 15
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

Wildfire risk around 646 Lavender 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 98% of the US · lower than 95% 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 336 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
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless · DSL	100 / 20

May also be available: Spectrum, Verizon.

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