6830 Sterns Rd, Ottawa Lake, MI 49267 Property Records

Monroe County property record for 6830 Sterns Rd, Ottawa Lake, MI 49267

Property Summary

Property Type	Single Family Home
Lot Size	20 acres (871,200 sqft)
Owner	2 Company Names on File
Last Sale	$215,000 (Jun 2018)
Tax Bill	$15,079 (2025)
Deeds & Mortgages	Dec 2025 Transfer Jul 2023 Line of Credit + 4 more
Flood Zone	Zone X (minimal risk)
APN	`15-028-021-00`

Property Details

APN / Parcel Number

Primary APN	`15-028-021-00`

Exterior

Fire Resistance	Fireproof Steel Frame
Lot Area	871,200 sqft (20 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	6830 STERNS RD
City	OTTAWA LAKE
State	MI
Zip	49267-9524
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	W28-15 SEC 28 T8S R6E 20 A W 1/2 OF SE 1/4 OF SE 1/4
Legal Range	06E
Legal Township	08S
Legal Section	28
Jurisdiction	MONROE MI
Township / Civil Division	WHITEFORD
Census Block Group	2
Census Block	2049
Census Tract	833000

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Company Names on File
Mailing Address	6830 STERNS RD, OTTAWA LAKE, MI 49267-9524
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Dec 2, 2025	Intrafamily Transfer, Transfer
Jul 14, 2023	Deed of Trust, Mortgage · Line of Credit GENOA BANKING CO
Nov 4, 2021	Deed of Trust, Mortgage · Conventional Mortgage GENEOA BANKING COMPANY
Feb 27, 2020	Deed of Trust, Mortgage GENOA BK
Jan 15, 2019	Trustee's Deed, Construction Loan · Line of Credit GENOA BKNG
Dec 17, 2018	Quit Claim Deed, Transfer GENOA BKNG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 19, 2018 · Amount on File
Deed Sale	Jun 19, 2018 · Amount on File
Deed Document Number	201810929
Last Transfer Date	Dec 13, 2018
Transfer Doc	0000022682
Record Updated	Oct 29, 2026

December 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MONROE MI
Recording Date	Dec 2, 2025
Property Address	6830 STERNS RD, OTTAWA LAKE, MI 49267-9524
Document Number	0000019748
Instrument Date	Dec 1, 2025
Instrument	2025R19748
Transaction Type	Transfer
Record Updated	Dec 16, 2025

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6830 STERNS RD, OTTAWA LAKE, MI 49267-9524

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6830 STERNS RD, OTTAWA LAKE, MI 49267-9524

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE MI
Property Address	6830 STERNS RD, OTTAWA LAKE, MI 49267-9524
Transaction Type	Mortgage
Record Updated	Aug 4, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6830 STERNS RD, OTTAWA LAKE, MI 49267-9524

Mortgage

Document Number	0000010558
Date	Jul 14, 2023
Instrument	2023R10558

Lender

Name	GENOA BANKING CO
Type	Bank
Address	GENOA, OH 43430

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	119 Months
Due	Jun 10, 2033

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE MI
Property Address	6830 STERNS RD, OTTAWA LAKE, MI 49267-9524
Transaction Type	Mortgage
Record Updated	Dec 22, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6830 STERNS RD, OTTAWA LAKE, MI 49267-9524

Mortgage

Document Number	0000028531
Date	Nov 4, 2021
Instrument	2021R28531

Lender

Name	GENEOA BANKING COMPANY
Type	Non-Lending Institution
Address	GENOA, OH 43430

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	121 Months
Due	Dec 1, 2031

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE MI
Property Address	6830 STERNS RD, OTTAWA LAKE, MI 49267-9524
Document Number	0000004974
Instrument Date	Feb 27, 2020
Transaction Type	Mortgage
Record Updated	Apr 23, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	6830 STERNS RD OTTAWA LAKE MI 49267, OTTAWA LAKE, MI 49267

Mortgage

Document Number	0000004974
Date	Mar 12, 2020
Instrument	4974

Lender

Name	GENOA BK
Type	Bank
Address	GENOA, OH 43430

Agreement

Amount	Amount on Record
Term	120 Months
Due	Mar 11, 2030

January 2019: Trustee's Deed, Construction Loan

Document Type	Trustee's Deed
Jurisdiction	MONROE MI
Recording Date	Jan 15, 2019
Property Address	6830 STERNS RD, OTTAWA LAKE, MI 49267-9524
Instrument Date	Dec 13, 2018
Instrument	765
Transaction Type	Construction Loan
Record Updated	Feb 5, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3157 STONEGATE DR MAUMEE OH 435379463, MAUMEE, OH 43537-9463

Mortgage

Document Number	0000000765
Date	Jan 15, 2019
Instrument	765

Lender

Name	GENOA BKNG
Type	Funding / Finance Company
Address	GENOA, OH 43430

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	12 Months
Due	Jan 14, 2020

Interest

Rate Type	Adjustable Rate

December 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MONROE MI
Recording Date	Dec 17, 2018
Property Address	6830 STERNS RD, OTTAWA LAKE, MI 49267-9524
Document Number	0000022682
Instrument Date	Dec 13, 2018
Instrument	22682
Transaction Type	Transfer
Record Updated	Jan 24, 2019
Title Company	GREATER METRO TITLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3157 STONEGATE DR MAUMEE OH 435379463, MAUMEE, OH 43537-9463

Mortgage

Document Number	22683
Date	Dec 17, 2018
Instrument	22683

Lender

Name	GENOA BKNG
Type	Funding / Finance Company
Address	GENOA, OH 43430

Agreement

Amount	Amount on Record
Term	360 Months
Due	Dec 16, 2048

Interest

Rate Type	Adjustable Rate
Rate	5.5%

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Michigan
County	Monroe County
County Subdivision	Whiteford Township
Unified School District	Whiteford Agricultural School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$629,400 (+2.71%) Land $629,400	$1,258,800 (+2.71%) Land $1,258,800
2025	$15,079.00 (-1.05%) Homeowner's exemption	$612,800 (+26.64%) Land $612,800	$1,225,600 (+26.64%) Land $1,225,600
2024	$15,239.00 (+13.59%)
2023	$13,416.00 Homeowner's exemption	$483,900	$967,800

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

Flood

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	3 in force
Nearby Flood Claims	1 (2009)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Mar 2009 · river or lake 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · above 51% of Michigan
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 13 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
Mercury Fiber Fixed Wireless	150 / 20
AT&T Fixed Wireless	25 / 3

May also be available: MetaLINK Technologies, T-Mobile.

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