Monroe County property record for 746 Orchard St, Temperance, MI 48182
| Property Type | Single Family Home |
|---|---|
| Lot Size | 0.41 acres (17,860 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $3,247 (2025) |
| Deeds & Mortgages | Jun 2023 Mortgage Jun 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 02-585-006-00 |
| Primary APN | 02-585-006-00 |
|---|
| Lot Area | 17,860 sqft (0.41 acres) |
|---|---|
| Lot Depth | 165 ft Depth |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 746 ORCHARD ST |
|---|---|
| City | TEMPERANCE |
| State | MI |
| Zip | 48182-1629 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SUPERVISORS PLAT OF ORCHARDALE ALLOTMENT LOTS 7 & 10 & E 7.5 FT OF VACATED ALLEY ADJ TO E LI OF LOTS 5 & 6 & 15 FT VACATED |
| Legal Subdivision | SUPRVRS OF ORCHARDALE ALLT |
| Legal Lot Number | 7,10,5 |
| Jurisdiction | MONROE MI |
| Township / Civil Division | BEDFORD |
| Census Block Group | 1 |
| Census Block | 1004 |
| Census Tract | 833200 |
746 Orchard St is owned and occupied by two individuals.
Source: Monroe County records, as of September 3, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 746 ORCHARD ST, TEMPERANCE, MI 48182-1629 |
| 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.
| Date | Document |
|---|---|
| Jun 29, 2023 | Deed of Trust, Mortgage · VA Mortgage LOANDEPOT.COM LLC |
| Jun 14, 2021 | Deed of Trust, Mortgage QUICKEN LOANS LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE MI |
| Property Address | 746 ORCHARD ST, TEMPERANCE, MI 48182-1629 |
| Transaction Type | Mortgage |
| Record Updated | Jul 21, 2023 |
| Name | Verified Name |
|---|---|
| Address | 746 ORCHARD ST, TEMPERANCE, MI 48182-1629 |
| Document Number | 0000009889 |
|---|---|
| Date | Jun 29, 2023 |
| Instrument | 2023R09889 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Mortgage Company |
| Address | IRVINE, CA 92618 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jul 1, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE MI |
| Property Address | 746 ORCHARD ST, TEMPERANCE, MI 48182-1629 |
| Transaction Type | Mortgage |
| Record Updated | Aug 2, 2021 |
| Name | Verified Name |
|---|---|
| Address | 74 ORCHARD ST, TEMPERANCE, MI 48182 |
| Document Number | 2021R15701 |
|---|---|
| Date | Jun 14, 2021 |
| Instrument | 2021R15701 |
| Name | QUICKEN LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Amount | Amount on Record |
|---|---|
| Term | 351 Months |
| Due | Sep 1, 2050 |
The 2025 property tax bill for 746 Orchard St was $3,247 with a homeowner's exemption.
Source: Monroe County assessment roll, as of September 3, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Monroe County |
| County Subdivision | Bedford Township |
| Unified School District | Bedford Public Schools (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $174,800 Land $174,800 | $349,600 Land $349,600 | |
| 2025 | $3,247.00 Homeowner's exemption | ||
| 2023 | $2,884.00 Homeowner's exemption | $124,700 | $249,400 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 746 Orchard St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Community Rating System | Class 9 (5% premium discount) |
| Nearby Flood Policies | 2 in force |
| Nearby Flood Claims | 1 (2006) |
| Most Recent Claim | Jun 2006 · 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 risk around 746 Orchard 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 97% of the US · lower than 93% 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 354 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Frontier Fiber | 7,000 / 7,000 |
| Buckeye Cablesystem Cable | 1,000 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
May also be available: Mercury Fiber, Verizon.
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