826 Waterloo Ave, Monroe, MI 48161 Property Records

Monroe County property record for 826 Waterloo Ave, Monroe, MI 48161

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,008 sqft · built 1988
Lot Size	0.14 acres (6,098 sqft)
Owner	2 Individual Names on Record
Last Sale	$252,000 (Oct 2025)
Tax Bill	$3,829 (2025)
Deeds & Mortgages	Oct 2025 Sale & Mortgage Mar 2024 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`55-19-00683-000`

Property Details

APN / Parcel Number

Primary APN	`55-19-00683-000`
Alternative APN	`55 190 068 30`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,008 sqft Living Area
1st Floor Area	1,008 sqft
Basement Area	1,008 sqft
Finished Basement	500 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1988
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Shingle
Lot Area	6,098 sqft (0.14 acres)
Lot Dimensions	120 ft deep x 50 ft wide
Terrain	Rolling
Garage Area	576 sqft
Driveway	Driveway
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	60 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	826 WATERLOO AVE
City	MONROE
State	MI
Zip	48161-1663
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1A
Legal Description	SOUTH CUSTER HEIGHTS LOT 126
Legal Subdivision	SOUTH CUSTER HEIGHTS
Legal Lot Number	126
Jurisdiction	MONROE MI
Township / Civil Division	MONROE
Census Block Group	4
Census Block	4014
Census Tract	832300

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	2 Individual Names on Record
Mailing Address	826 WATERLOO AVE, MONROE, MI 48161-1663
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Oct 15, 2025	Warranty Deed, Transfer · VA Mortgage UMORTGAGE LLC
Mar 4, 2024	Warranty Deed, Transfer · Conventional Mortgage UNIVERSITY BANK
Feb 9, 2023	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 15, 2025 · Amount on Record
Deed Sale	Oct 15, 2025 · Amount on Record
Prior Sale	Mar 4, 2024 · Amount on Record
Deed Document Number	202516986
Prior Transfer Date	Jul 12, 2024
Prior Transfer Doc	0000010445
Record Updated	Oct 29, 2026

October 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE MI
Recording Date	Oct 15, 2025
Property Address	826 WATERLOO AVE, MONROE, MI 48161-1663
Document Number	0000016986
Map Reference	LB 5 PG 46
Instrument Date	Oct 14, 2025
Instrument	2025R16986
Transaction Type	Transfer
Record Updated	Oct 28, 2025
Title Company	LAWYERS TITLE AGENCY/MONROE, LAWYERS TITLE AGCY OF MONROE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,890.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	826 WATERLOO AVE, MONROE, MI 48161-1663

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	826 WATERLOO AVE, MONROE, MI 48161-1663

Mortgage

Document Number	0000017108
Date	Oct 15, 2025
Instrument	2025R17108

Lender

Name	UMORTGAGE LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2055

March 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE MI
Recording Date	Mar 4, 2024
Property Address	826 WATERLOO AVE, MONROE, MI 48161-1663
Document Number	0000002725
Map Reference	LB 5 PG 46
Instrument Date	Mar 1, 2024
Instrument	2024R02725
Transaction Type	Transfer
Record Updated	Apr 3, 2024
Title Company	LAWYERS TITLE AGENCY/MONROE, LAWYERS TITLE AGCY OF MONROE

Transaction

Amount	Amount Recorded
Tax	$1,650.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	828 WATERLOO AVE, MONROE, MI 48161-1663

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	237 E CHESTNUT ST, PETERSBURG, MI 49270-9533

Mortgage

Document Number	0000002726
Date	Mar 4, 2024
Instrument	2024R02726

Lender

Name	UNIVERSITY BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2054

Mortgage

Document Number	0000002726
Date	Mar 4, 2024
Instrument	2024R02726

Lender

Name	UNIVERSITY BANK
Type	Bank
Address	2015 WASHTENAW AVE, ANN ARBOR, MI 48104

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2054

February 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MONROE MI
Recording Date	Feb 9, 2023
Property Address	826 WATERLOO AVE, MONROE, MI 48161-1663
Document Number	0000001869
Map Reference	LB 5 PG 46
Instrument Date	Feb 7, 2023
Instrument	2023R01869
Transaction Type	Transfer
Record Updated	Mar 2, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	826 WATERLOO AVE, MONROE, MI 48161-1663

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	826 WATERLOO AVE, MONROE, MI 48161-1663

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		$102,500 (+18.09%) Land $102,500	$205,000 (+18.09%) Land $205,000
2025	$3,829.00 (+67.5%) Homeowner's exemption	$86,800 (+32.1%) Land $86,800	$173,600 (+32.1%) Land $173,600
2024	$2,286.00 (+9.38%)
2023	$2,090.00 Homeowner's exemption	$65,710	$131,420

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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 504 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
AT&T DSL · Fiber, Fixed Wireless in parts of the area	100 / 20

May also be available: Mercury Fiber, T-Mobile.

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