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765 Ruff Dr, Monroe, MI 48162 Property Records

Monroe County property record for 765 Ruff Dr, Monroe, MI 48162 · Last verified August 2026

Property Summary

Property TypeSingle Family Home
Details3 bd · 1 ba · 1,538 sqft · built 1968
Lot Size0.49 acres (21,344 sqft)
Owner2 Individual Names on File
Last Sale$229,900 (Dec 2021)
Tax Bill$1,248 (2025)
Deeds & MortgagesJun 2026 Line of Credit
Dec 2021 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN07-980-081-00

Property Details

APN / Parcel Number

Primary APN07-980-081-00

Interior

Bedrooms3 Beds
Full Baths1 Bath
Half Baths1 Half Bath
Building Area1,538 sqft Living Area
1st Floor Area1,538 sqft
Basement Area1,296 sqft

Exterior

Year BuiltBuilt 1968
Effective Year BuiltEffective 1968
Architectural StyleRanch
Lot Area21,344 sqft (0.49 acres)
Lot Dimensions250 ft deep x 85 ft wide
Garage Area528 sqft
Parking Spaces2 Parking Spaces

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemForced Air with A/C

Location & Zoning

Street Address765 RUFF DR
CityMONROE
StateMI
Zip48162-3581
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionF-81 SEC 25 T6S R8E WOODRUFF HEIGHTS NO 4 LOT 81
Legal Range08E
Legal Township06S
Legal Section25
Legal SubdivisionWOODRUFF HEIGHTS 4
Legal Lot Number81
JurisdictionMONROE MI
Township / Civil DivisionFRENCHTOWN
Census Block Group3
Census Block3002
Census Tract831400

Owner

Source: Monroe County records · APN 07-980-081-00

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 Record2 Individual Names on File
Mailing Address765 RUFF DR, MONROE, MI 48162-3581
OccupancyOwner Occupied
Owner TypeIndividual
VestingLife Estate

Deeds, Mortgages & Sale History

DateDocument
Jun 03, 2026Deed of Trust, Mortgage · Line of Credit
P N C BANK NA
Dec 23, 2021Warranty Deed, Transfer · Conventional Mortgage
UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleDec 23, 2021 · Amount on Record
Deed SaleDec 23, 2021 · Amount on Record
Deed Document Number202132555
Last Transfer DateJan 23, 2025
Transfer Doc0000001154
Record UpdatedSep 20, 2026

June 2026: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionMONROE MI
Recording DateJun 03, 2026
Property Address765 RUFF DR, MONROE, MI 48162-3581
Document Number0000009837
Instrument DateMay 22, 2026
Instrument20269837
Transaction TypeMortgage
Record UpdatedJul 12, 2026
Title CompanyNONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

NameVerified Name
Address765 RUFF DR, MONROE, MI 48162-3581

Mortgage

Document Number0000009837,
DateJun 03, 2026
Instrument20269837
Lender
NameP N C BANK NA
Agreement
TypeLine of Credit
AmountAmount Recorded
Term479 Months
DueMay 28, 2066
Interest
Rate6.23%
Max Rate-1%

December 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionMONROE MI
Recording DateDec 23, 2021
Property Address765 RUFF DR, MONROE, MI 48162-3581
Document Number0000032555
Map ReferenceLB 11 PG 16
Instrument DateDec 17, 2021
Instrument2021R32555
Transaction TypeTransfer
Record UpdatedFeb 02, 2022
Title CompanyLAWYERS TITLE AGENCY/MONROE, LAWYERS TITLE AGCY OF MONROE

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$1,725.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address2006 LUZEME AVE, 2006, SILVER SPRING, MD 20910

Transferred To (Grantee/Buyer)

NameVerified Name
Address975 W SIGLER RD, CARLETON, MI 48117-9152

Mortgage

Document Number0000032556
DateDec 23, 2021
Instrument2021R32556
Lender
NameUNITED WHOLESALE MORTGAGE
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueJan 01, 2052

Tax Assessment & Valuation

Source: Monroe County records · Assessment roll updated August 15, 2025 · Last verified August 2026

Property Jurisdictions

TypeName
StateMichigan
CountyMonroe County
County SubdivisionFrenchtown Township
Unified School DistrictMonroe Public Schools (KG - 12)

Tax Bill & Assessment History

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.

YearTax BillAssessed ValueAssessed Market Value
2026$131,900 (+7.5%)$263,800 (+7.5%)
2025$1,248.00 (-60.38%) Homeowner's exemption$122,700 (+20.65%) Land $122,700$245,400 (+20.65%) Land $245,400
2023$3,150.00 Homeowner's exemption$101,700$203,400

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Monroe County (26115C), updated September 8, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 261158314003, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Nearby Flood Claims1 (2000)
Most Recent ClaimOct 2000, rainfall accumulation

Wildfire

Wildfire RiskLow
above 1% of the US · above 2% of Michigan
Wildfire LikelihoodLess than 1 in 10,000 per year
ExposureDirect
burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 60 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
XfinityCable1,200 / 35
SpectrumCable1,000 / 1,000
Mercury BroadbandFixed Wireless (licensed-by-rule)150 / 20

Availability varies by address; speeds are provider-advertised maximums, not measured.

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