812 Harbor Ave, Monroe, MI 48162 Property Records

Monroe County property record for 812 Harbor Ave, Monroe, MI 48162

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 715 sqft · built 1930
Lot Size	0.29 acres (12,632 sqft)
Owner	Individual Name on Record
Last Sale	$107,000 (Jan 2022)
Tax Bill	$2,526 (2025)
Deeds & Mortgages	Jan 2022 Sale & Mortgage Oct 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`55-59-00431-000`

Property Details

APN / Parcel Number

Primary APN	`55-59-00431-000`
Alternative APN	`55 590 043 10`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	715 sqft Living Area
1st Floor Area	572 sqft
Basement Area	572 sqft
Unfinished Basement	572 sqft
Interior Walls	Plaster

Exterior

Year Built	Built 1930
Effective Year Built	Effective 1930
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Shingle
Lot Area	12,632 sqft (0.29 acres)
Lot Dimensions	160 ft deep x 80 ft wide
Terrain	Rolling
Garage Area	576 sqft
Driveway	Driveway
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	104 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	812 HARBOR AVE
City	MONROE
State	MI
Zip	48162-2531
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1A
Legal Description	HARBORVIEW SUBDIVISION LOT 138 AND SOUTH 30 FT OF LOT 139
Legal Subdivision	HARBORVIEW SUBDIVISION
Legal Lot Number	138-139
Jurisdiction	MONROE MI
Township / Civil Division	MONROE
Census Block Group	3
Census Block	3021
Census Tract	831700

Owner

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

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

Owner of Record	Individual Name on Record
Mailing Address	812 HARBOR AVE, MONROE, MI 48162-2531
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 24, 2022	Warranty Deed, Transfer · FHA Mortgage EVERETT FINANCIAL INC
Oct 16, 2017	Deed of Trust, Mortgage · Conventional Mortgage DITECH FINANCIAL LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 24, 2022 · Amount on Record
Deed Sale	Jan 24, 2022 · Amount on Record
Prior Sale	Mar 6, 2001 · Amount on Record
Deed Document Number	20221574
Record Updated	Oct 29, 2026

January 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE MI
Recording Date	Jan 24, 2022
Property Address	812 HARBOR AVE, MONROE, MI 48162-2531
Document Number	0000001574
Map Reference	LB 6 PG 39
Instrument Date	Jan 14, 2022
Instrument	2022R01574
Transaction Type	Transfer
Record Updated	Feb 11, 2022
Title Company	LAWYERS TITLE AGENCY/MONROE, LAWYERS TITLE AGCY OF MONROE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$802.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4055 E DUNBAR RD, 4055, MONROE, MI 48161-9106

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	812 HARBOR AVE, MONROE, MI 48162-2531

Mortgage

Document Number	0000001575
Date	Jan 24, 2022
Instrument	2022R01575

Lender

Name	EVERETT FINANCIAL INC
Type	Funding / Finance Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2052

Mortgage

Document Number	0000001576
Date	Jan 24, 2022
Instrument	2022R01576

Lender

Name	MICHIGAN STATE HOUSING DEV AUTHORITY
Type	Government Agency
Address	LANSING, MI 48912

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount Recorded

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE MI
Property Address	812 HARBOR AVE, MONROE, MI 48162-2531
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000020893
Date	Oct 16, 2017
Instrument	2017R20893

Lender

Name	DITECH FINANCIAL LLC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Nov 1, 2032

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

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

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		$70,700 (+46.13%) Land $70,700	$141,400 (+46.13%) Land $141,400
2025	$2,526.00 (+97.19%) Homeowner's exemption
2023	$1,281.00 Homeowner's exemption	$48,380	$96,760

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

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	2 in force

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 50 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, Mercury Fiber.

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