653 Western Ave, Monroe, MI 48161 Property Records

Monroe County property record for 653 Western Ave, Monroe, MI 48161

Property Summary

Property Type	Single Family Home
Lot Size	2 acres (87,120 sqft)
Owner	Individual Name on File
Last Sale	$178,000 (Apr 2023)
Tax Bill	$2,536 (2025)
Deeds & Mortgages	Apr 2023 Sale & Mortgage Oct 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`12-020-042-01`

Property Details

APN / Parcel Number

Primary APN	`12-020-042-01`

Exterior

Lot Area	87,120 sqft (2 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	653 WESTERN AVE
City	MONROE
State	MI
Zip	48161-1980
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TH PT OF THE FOLLOWING DESC OF LD LYING IN MONROE TWP: PART OF PC 634 TWP OF MONROE MONROE CO MI AND A PARCEL COMMONLY KNOWN
Legal Subdivision	CUSTER GARDENS 2
Legal Lot Number	A
Jurisdiction	MONROE MI
Township / Civil Division	MONROE
Census Block Group	3
Census Block	3014
Census Tract	832300

Owner

653 Western Ave is owned and occupied by an individual who bought it in April 2023.

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

Owner of Record	Individual Name on File
Mailing Address	653 WESTERN AVE, MONROE, MI 48161-1980
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 13, 2023	Warranty Deed, Transfer · FHA Mortgage AMERICAN FINANCIAL NETWORK INC
Oct 11, 2018	Warranty Deed, Transfer · Conventional Mortgage MSHDA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 13, 2023 · Amount on File
Deed Sale	Apr 13, 2023 · Amount on File
Prior Sale	Oct 11, 2018 · Amount on File
Deed Document Number	20235843
Prior Transfer Date	Oct 12, 2016
Prior Transfer Doc	0000021183
Record Updated	Oct 29, 2026

April 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE MI
Recording Date	Apr 13, 2023
Property Address	653 WESTERN AVE, MONROE, MI 48161-1980
Document Number	0000005843
Map Reference	LB 9 PG 23
Instrument Date	Mar 29, 2023
Instrument	2023R05843
Transaction Type	Transfer
Record Updated	May 3, 2023
Title Company	LAWYERS TITLE AGENCY/MONROE, LAWYERS TITLE AGCY OF MONROE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,335.00
Amount Accuracy	Full Amount Stated
Additional	Notice of Trustee Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	653 WESTERN AVE, MONROE, MI 48161-1980

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	653 WESTERN AVE, MONROE, MI 48161-1980

Mortgage

Document Number	0000005844
Date	Apr 13, 2023
Instrument	2023R05844

Lender

Name	AMERICAN FINANCIAL NETWORK INC
Type	Funding / Finance Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2053

October 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE MI
Recording Date	Oct 11, 2018
Property Address	653 WESTERN AVE, MONROE, MI 48161-1980
Document Number	2018R18762
Instrument Date	Oct 10, 2018
Instrument	2018R18762
Transaction Type	Transfer
Record Updated	Jul 13, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,161.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	14930 LAPLAISANCE RD STE 111, 14930, MONROE, MI 48161-3871

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	501 HARRISON ST, MONROE, MI 48161-2323

Mortgage

Document Number	0000018764
Date	Oct 11, 2018
Instrument	2018R18764

Lender

Name	MSHDA
Type	Government Agency

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2025 property tax bill for 653 Western Ave was $2,536 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	Monroe Charter Township
Unified School District	Monroe Public Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$89,400 Land $89,400	$178,800 Land $178,800
2025	$2,536.00 Homeowner's exemption
2023	$2,028.00 Homeowner's exemption	$70,200	$140,400

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 653 Western Ave in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1991.

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	1 in force
Nearby Flood Claims	1 (1991)
Claims Outside the SFHA	1 of 1
Most Recent Claim	May 1991 · rainfall accumulation

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 653 Western 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 504 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
AT&T DSL · Fiber, Fixed Wireless in parts of the area	100 / 20

May also be available: Mercury Fiber, T-Mobile.

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