6946 Summerfield Rd, Temperance, MI 48182 Property Records

Monroe County property record for 6946 Summerfield Rd, Temperance, MI 48182

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,366 sqft · built 1950
Lot Size	1.73 acres (75,359 sqft)
Owner	2 Individual Names on File
Last Sale	$196,000 (Jul 2019)
Tax Bill	$3,051 (2025)
Deeds & Mortgages	Jan 2024 Line of Credit Mar 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`02-525-031-00`

Property Details

APN / Parcel Number

Primary APN	`02-525-031-00`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,366 sqft Living Area
Basement Area	1,186 sqft

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1950
Exterior Material	Aluminum/Vinyl
Foundation Type	No Foundation
Lot Area	75,359 sqft (1.73 acres)
Lot Dimensions	830 ft deep x 86 ft wide
Garage Area	960 sqft
Parking Spaces	4 Parking Spaces
Porch	Slab
Deck Area	434 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	6946 SUMMERFIELD RD
City	TEMPERANCE
State	MI
Zip	48182-1361
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-3
Legal Description	SUMMERFIELD FARMS LOT 36
Legal Subdivision	SUMMERFIELD FARMS
Legal Lot Number	36
Jurisdiction	MONROE MI
Township / Civil Division	BEDFORD
Census Block Group	2
Census Block	2005
Census Tract	833900

Owner

6946 Summerfield Rd is owned and occupied by two individuals who bought it in July 2019.

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

Owner of Record	2 Individual Names on File
Mailing Address	6946 SUMMERFIELD RD, TEMPERANCE, MI 48182-1361
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
Jan 16, 2024	Deed of Trust, Mortgage · Line of Credit ILLINOIS EDUCATORS CU
Mar 10, 2021	Deed of Trust, Mortgage · VA Mortgage UNION HOME MORTGAGE CORP
Jul 3, 2019	Warranty Deed, Transfer · VA Mortgage UNION HOME MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 3, 2019 · Amount on File
Deed Sale	Jul 3, 2019 · Amount on File
Deed Document Number	201911182
Record Updated	Oct 29, 2026

January 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE MI
Property Address	6946 SUMMERFIELD RD, TEMPERANCE, MI 48182-1361
Transaction Type	Mortgage
Record Updated	Feb 5, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000000618
Date	Jan 16, 2024
Instrument	2024R00618

Lender

Name	ILLINOIS EDUCATORS CU
Type	Credit Union
Address	3101 MONTVALE DR, SPRINGFIELD, IL 62704

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Jan 15, 2044

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE MI
Property Address	6946 SUMMERFIELD RD, TEMPERANCE, MI 48182-1361
Transaction Type	Mortgage
Record Updated	Apr 27, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6946 SUMMERFIELD RD, TEMPERANCE, MI 48182-1361

Mortgage

Document Number	2021R06431
Date	Mar 10, 2021
Instrument	2021R06431

Lender

Name	UNION HOME MORTGAGE CORP
Type	Mortgage Company
Address	STRONGSVILLE, OH 44136

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2051

July 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE MI
Recording Date	Jul 3, 2019
Property Address	6946 SUMMERFIELD RD, TEMPERANCE, MI 48182-1361
Document Number	2019R11182
Map Reference	LB 4 PG 16
Instrument Date	Jul 2, 2019
Instrument	2019R11182
Transaction Type	Transfer
Record Updated	Jul 13, 2021
Title Company	LOUISVILLE TITLE

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,685.60
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	505 SILVER SPRING DR, SPRINGFIELD, IL 62702-3391

Mortgage

Document Number	0000011183
Date	Jul 3, 2019
Instrument	2019R11183

Lender

Name	UNION HOME MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2049

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2025 property tax bill for 6946 Summerfield Rd was $3,051 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	Bedford Township
Unified School District	Bedford Public Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$110,800 Land $110,800	$221,600 Land $221,600
2025	$3,051.00 Homeowner's exemption
2023	$2,236.00 Homeowner's exemption	$84,000	$168,000

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 6946 Summerfield Rd in Zone X, an area of minimal flood risk, though there have been 5 flood claims nearby since 1997.

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	5 (1997–2015)
Most Recent Claim	Jun 2015 · 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

Wildfire risk around 6946 Summerfield Rd 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 93% of the US · lower than 83% of Michigan
Wildfire Likelihood	Under 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	MONROE SOUTH COUNTY serves 33,816 people · EPA ID MI0004455
Water Source	Purchased surface water from CITY OF TOLEDO
Last State Inspection	Aug 2025
Lead	1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 343 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Buckeye Cablesystem Cable	1,000 / 20
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20

May also be available: Frontier.

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