8 Island St, Monroe, MI 48161 Property Records

Monroe County property record for 8 Island St, Monroe, MI 48161

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,980 sqft · built 1868
Lot Size	0.27 acres (11,761 sqft)
Owner	Individual on Record
Last Sale	$122,000 (Oct 2018)
Tax Bill	$2,038 (2025)
Deeds & Mortgages	Feb 2023 Mortgage Dec 2019 Loan Modification + 1 more
Flood Zone	Zone X (minimal risk)
APN	`55-19-00221-001`

Property Details

APN / Parcel Number

Primary APN	`55-19-00221-001`
Alternative APN	`55 190 022 10`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,980 sqft Living Area
1st Floor Area	1,032 sqft
Basement Area	1,032 sqft
Unfinished Basement	1,032 sqft
Interior Walls	Plaster

Exterior

Year Built	Built 1868
Effective Year Built	Effective 1868
Exterior Material	Other
Construction Type	Frame
Roof Type	Gable
Roof Material	Shingle
Lot Area	11,761 sqft (0.27 acres)
Lot Dimensions	83.9 ft deep x 142 ft wide
Terrain	Rolling

Exterior Amenities

Porch	Porch
Porch Area	290 sqft
Deck Area	128 sqft
Patio Area	128 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Municipal

Location & Zoning

Street Address	8 ISLAND ST
City	MONROE
State	MI
Zip	48161-2436
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1A
Legal Description	LAND BEING PT OF LOT A AND LOT 5 IN COOK PLAT DESCRIBED AS: COMM AT A PIN SET AT THE INTER OF NWLY LI OF ISLAND ST W/ NELY LI
Legal Lot Number	5,A
Jurisdiction	MONROE MI
Township / Civil Division	MONROE
Census Block Group	2
Census Block	2005
Census Tract	832100

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Old Village Historic District listed 1982 · 545 contributing resources · NRIS 82002854

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

Source: Monroe County assessment roll, as of August 15, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual on Record
Mailing Address	8 ISLAND ST, MONROE, MI 48161-2436
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 22, 2023	Deed of Trust, Mortgage · VA Mortgage PENNYMAC LOAN SERVICES LLC
Dec 11, 2019	Loan Modification, Mortgage · Conventional with PMI PENNYMAC
Oct 23, 2018	Warranty Deed, Transfer · VA Mortgage VETERANS UNITED HM LNS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 23, 2018 · Amount on Record
Deed Sale	Oct 23, 2018 · Amount on Record
Deed Document Number	201819439
Record Updated	Sep 20, 2026

February 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE MI
Property Address	8 ISLAND ST, MONROE, MI 48161-2436
Transaction Type	Mortgage
Record Updated	Mar 13, 2023
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8 ISLAND ST, MONROE, MI 48161-2436

Mortgage

Document Number	0000002356
Date	Feb 22, 2023
Instrument	2023R02356

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	MOORPARK, CA 93021

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	431 Months
Due	Jan 1, 2059

December 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	MONROE MI
Property Address	8 ISLAND ST, MONROE, MI 48161-2436
Document Number	0000001236
Instrument Date	Dec 11, 2019
Transaction Type	Mortgage
Record Updated	Mar 23, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8 ISLAND ST MONROE MI 481612436, MONROE, MI 48161-2436

Mortgage

Document Number	0000001236
Date	Jan 15, 2020
Instrument	1236

Lender

Name	PENNYMAC
Address	MOORPARK, CA 93021

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jan 14, 2050

October 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE MI
Recording Date	Oct 23, 2018
Property Address	8 ISLAND ST, MONROE, MI 48161-2436
Document Number	0000019439
Instrument Date	Oct 15, 2018
Instrument	19439
Transaction Type	Transfer
Record Updated	Mar 23, 2020
Title Company	LAWYERS TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,049.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2684 IVAN HARRISON MI 486259083, HARRISON, MI 48625-9083

Mortgage

Document Number	19440
Date	Oct 23, 2018
Instrument	19440

Lender

Name	VETERANS UNITED HM LNS
Type	Funding / Finance Company
Address	COLUMBIA, MO 65203

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 22, 2048

Tax Assessment & Valuation

Source: Monroe County assessment roll, as of August 15, 2025

Property Jurisdictions

Type	Name
State	Michigan
County	Monroe County
Municipality	Monroe City
Unified School District	Monroe Public Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$87,300 (+38.81%)	$174,600 (+38.81%)
2025	$2,038.00 (-31.4%) Homeowner's exemption
2023	$2,971.00	$62,890	$125,780

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
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	3 in force
Nearby Flood Claims	1 (1982)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Mar 1982 · rainfall accumulation

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	Not rated no burnable land within ember reach

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 serves 49,467 people · EPA ID MI0004450
Water Source	Surface water
Last State Inspection	Mar 2025
Lead	2 ppb (2025) action level 15 ppb

Violations Reported to EPA

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, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 481 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T DSL · Fiber, Fixed Wireless in parts of the area	100 / 20

May also be available: Mercury Fiber, Spectrum.

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