Monroe County property record for 654 Cole Rd, Monroe, MI 48162
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,822 sqft · built 1955 |
| Lot Size | 0.53 acres (23,087 sqft) |
| Owner | Individual Name on File |
| Last Sale | $190,000 (Aug 2019) |
| Tax Bill | $2,807 (2025) |
| Deeds & Mortgages | Jul 2017 Mortgage Aug 2019 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 55-59-00064-000 |
| Primary APN | 55-59-00064-000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,822 sqft Living Area |
| 1st Floor Area | 1,822 sqft |
| Interior Walls | Plaster |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1955 |
|---|---|
| Effective Year Built | Effective 1955 |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Foundation Type | No Foundation |
| Roof Type | Hip |
| Roof Material | Shingle |
| Lot Area | 23,087 sqft (0.53 acres) |
| Lot Dimensions | 240 ft deep x 97 ft wide |
| Terrain | Rolling |
| Garage Area | 294 sqft |
| Driveway | Driveway |
| Parking Spaces | 1 Parking Space |
| Patio Area | 132 sqft |
| Shed | 1 Shed |
| Shed Area | 200 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Street Address | 654 COLE RD |
|---|---|
| City | MONROE |
| State | MI |
| Zip | 48162-4112 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-1A |
| Legal Description | COUNTRY CLUB SUBDIVISION LOT 34 & THAT PT OF LOT 33 COMM AT NE COR SAID LOT 33 TO AND E'LY ALG THE E LI LOT 33, 99.3 FT; TH |
| Legal Subdivision | CLUB SUBDIVISION |
| Legal Lot Number | 34,33 |
| Jurisdiction | MONROE MI |
| Township / Civil Division | MONROE |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 831700 |
Source: Monroe County records · APN 55-59-00064-000
Assessment roll updated August 15, 2025 · Last verified August 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 654 COLE RD, MONROE, MI 48162-4112 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 10, 2017 | Deed of Trust, Mortgage · FHA Mortgage SUN WEST MORTGAGE COMPANY INC |
| Aug 26, 2019 | Warranty Deed, Transfer · Conventional with PMI NATIONS LNDG |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Aug 26, 2019 · Amount on Record |
| Deed Sale | Aug 26, 2019 · Amount on Record |
| Prior Sale | Apr 05, 2016 · Amount on Record |
| Deed Document Number | 201914296 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE MI |
| Property Address | 654 COLE RD, MONROE, MI 48162-4112 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000014168 |
|---|---|
| Date | Jul 10, 2017 |
| Instrument | 2017R14168 |
| Name | SUN WEST MORTGAGE COMPANY INC |
|---|---|
| Type | Mortgage Company |
| Address | CERRITOS, CA 90703 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 01, 2047 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONROE MI |
| Recording Date | Aug 26, 2019 |
| Property Address | 654 COLE RD, MONROE, MI 48162-4112 |
| Document Number | 0000014296 |
| Instrument Date | Aug 21, 2019 |
| Instrument | 14296 |
| Transaction Type | Transfer |
| Record Updated | Sep 26, 2019 |
| Title Company | LAWYERS TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,632.28 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 971 E HURD RD MONROE MI 481629307, MONROE, MI 48162-9307 |
| Document Number | 14297 |
|---|---|
| Date | Aug 26, 2019 |
| Instrument | 14297 |
| Name | NATIONS LNDG |
|---|---|
| Address | INDEPENDENCE, OH 44131 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 25, 2049 |
Source: Monroe County records · Assessment roll updated August 15, 2025 · Last verified August 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Monroe County |
| Municipality | Monroe City |
| Unified School District | Monroe Public Schools (KG - 12) |
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.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $108,400 (+34.66%) | $216,800 (+34.66%) | |
| 2025 | $2,807.00 (-21.39%) Homeowner's exemption | ||
| 2023 | $3,571.00 Homeowner's exemption | $80,500 | $161,000 |
Source: FEMA National Flood Hazard Layer as of September 8, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 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 |
| 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 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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| Mercury Broadband Fixed Wireless | 150 / 20 |
| AT&T DSL | 100 / 20 |
May also be available: Xfinity.
Based on FCC filings for 250 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | MONROE serves 49,467 people |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Mar 2025 |
| Lead | 2 ppb (2025) action level 15 ppb |
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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