838 Waterloo Ave, Monroe, MI 48161 Property Records

Monroe County property record for 838 Waterloo Ave, Monroe, MI 48161

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,168 sqft · built 1926
Lot Size	0.28 acres (12,197 sqft)
Owner	2 Individual Names on Record
Last Sale	$158,000 (Dec 2019)
Tax Bill	$3,093 (2025)
Deeds & Mortgages	Jan 2022 Mortgage Dec 2019 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`55-19-00679-000`

Property Details

APN / Parcel Number

Primary APN	`55-19-00679-000`
Alternative APN	`55 190 067 90`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,168 sqft Living Area
1st Floor Area	690 sqft
Basement Area	690 sqft
Finished Basement	400 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1926
Effective Year Built	Effective 1926
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Shingle
Lot Area	12,197 sqft (0.28 acres)
Lot Dimensions	120 ft deep x 100 ft wide
Terrain	Rolling
Garage Area	324 sqft
Driveway	Driveway
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Slab
Porch Area	466 sqft
Patio Area	235 sqft
Balcony Area	10 sqft
Shed	1 Shed
Shed Area	108 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	838 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 LOTS 121 & 122
Legal Subdivision	SCHRAUDERS SUB
Legal Lot Number	121-122
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	838 WATERLOO AVE, MONROE, MI 48161-1663
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 4, 2022	Deed of Trust, Mortgage · FHA Mortgage ROCKET MORTGAGE LLC
Dec 30, 2019	Warranty Deed, Transfer · FHA Mortgage QUICKEN LNS
Sep 14, 2018	Quit Claim Deed, Transfer Quitclaim
Apr 13, 2018	Tax Deed, Foreclosure NOT AVAILABLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 30, 2019 · Amount on Record
Deed Sale	Dec 30, 2019 · Amount on Record
Prior Sale	Sep 14, 2018 · Amount on Record
Deed Document Number	201922696
Record Updated	Oct 29, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE MI
Property Address	838 WATERLOO AVE, MONROE, MI 48161-1663
Transaction Type	Mortgage
Record Updated	Feb 9, 2022
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	838 WATERLOO AVE, MONROE, MI 48161-1663

Mortgage

Document Number	0000000044
Date	Jan 4, 2022
Instrument	2022R00044

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	336 Months
Due	Jan 1, 2050

December 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE MI
Recording Date	Dec 30, 2019
Property Address	838 WATERLOO AVE, MONROE, MI 48161-1663
Document Number	0000022696
Instrument Date	Dec 10, 2019
Instrument	22696
Transaction Type	Transfer
Record Updated	Feb 11, 2020
Title Company	LAWYERS TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,359.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	335 CENTRAL PARK BLVD MONROE MI 481623603, MONROE, MI 48162-3603

Mortgage

Document Number	21795
Date	Dec 30, 2019
Instrument	21795

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 29, 2049

September 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MONROE MI
Recording Date	Sep 14, 2018
Property Address	838 WATERLOO AVE, MONROE, MI 48161-1663
Document Number	0000017038
Instrument Date	Sep 12, 2018
Instrument	17038
Transaction Type	Transfer
Record Updated	Oct 11, 2018

Transaction

Amount	Amount Recorded
Tax	$473.00
Amount Accuracy	Confirmed
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	8344 N STONEY CREEK RD NEWPORT MI 481669437, NEWPORT, MI 48166-9437

April 2018: Tax Deed, Foreclosure

Document Type	Tax Deed
Jurisdiction	MONROE MI
Recording Date	Apr 13, 2018
Property Address	838 WATERLOO AVE, MONROE, MI 48161-1663
Document Number	0000006146
Instrument Date	Apr 13, 2018
Instrument	6146
Transaction Type	Foreclosure
Record Updated	Mar 27, 2019
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Foreclosure Auction

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	838 WATERLOO AVE MONROE MI 481611663, 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		$93,400 (+0.76%) Land $93,400	$186,800 (+0.76%) Land $186,800
2025	$3,093.00 (+14.17%) Homeowner's exemption	$92,700 (+43.32%) Land $92,700	$185,400 (+43.32%) Land $185,400
2023	$2,709.00 Homeowner's exemption	$64,680	$129,360

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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