85 W Sub Station Rd, Temperance, MI 48182 Property Records

Monroe County property record for 85 W Sub Station Rd, Temperance, MI 48182

Property Summary

Property Type	Single Family Home
Lot Size	2.51 acres (109,336 sqft)
Owner	2 Individual Names on File
Last Sale	$335,000 (Dec 2018)
Tax Bill	$4,509 (2025)
Deeds & Mortgages	Apr 2026 Line of Credit Sep 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`02-023-161-20`

Property Details

APN / Parcel Number

Primary APN	`02-023-161-20`

Exterior

Lot Area	109,336 sqft (2.51 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	85 W SUB STATION RD
City	TEMPERANCE
State	MI
Zip	48182-9520
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SEC 23 T8S R7E 2.51 ACRES COM @ A PT 1005 FT S 89D 43M W FR E 1/4 COR TH S 89D 43M 30S W 165.01 FT TH S 00D 00M 30S W 662.85
Legal Range	07E
Legal Township	08S
Legal Section	23
Jurisdiction	MONROE MI
Township / Civil Division	BEDFORD
Census Block Group	1
Census Block	1002
Census Tract	833500

Owner

85 W Sub Station Rd is owned and occupied by two individuals who bought it in December 2018.

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

Owner of Record	2 Individual Names on File
Mailing Address	85 W SUB STATION RD, TEMPERANCE, MI 48182-9520
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Apr 10, 2026	Deed of Trust, Mortgage · Line of Credit FIRST MERCHANTS BANK
Sep 15, 2021	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Nov 13, 2019	Deed of Trust, Mortgage DIRECTIONS CU
Dec 18, 2018	Warranty Deed, Transfer · Conventional with PMI DIRECTIONS CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 18, 2018 · Amount on File
Deed Sale	Dec 18, 2018 · Amount on File
Deed Document Number	201822759
Record Updated	Oct 29, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE MI
Recording Date	Apr 10, 2026
Property Address	85 W SUB STATION RD, TEMPERANCE, MI 48182-9520
Document Number	0000005744
Instrument Date	Mar 28, 2026
Instrument	20265744
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	85 W SUB STATION RD, TEMPERANCE, MI 48182-9520

Mortgage

Document Number	0000005744,
Date	Apr 10, 2026
Instrument	20265744

Lender

Name	FIRST MERCHANTS BANK

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Mar 28, 2056

Interest

Rate Type	Adjustable Rate
Rate	5.98%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE MI
Property Address	85 W SUB STATION RD, TEMPERANCE, MI 48182-9520
Transaction Type	Mortgage
Record Updated	Nov 5, 2021
Title Company	AMROCK INC, AMROCK LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	85 W SUB STATION RD, TEMPERANCE, MI 48182-9520

Mortgage

Document Number	2021R23811
Date	Sep 15, 2021
Instrument	2021R23811

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2051

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE MI
Property Address	85 W SUB STATION RD, TEMPERANCE, MI 48182-9520
Document Number	0000020188
Instrument Date	Nov 13, 2019
Transaction Type	Mortgage
Record Updated	Jan 2, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	85 W SUB STATION RD TEMPERANCE MI 481829520, TEMPERANCE, MI 48182-9520

Mortgage

Document Number	0000020188
Date	Nov 19, 2019
Instrument	20188

Lender

Name	DIRECTIONS CU
Type	Credit Union
Address	TOLEDO, OH 43604

Agreement

Amount	Amount on Record
Term	360 Months
Due	Nov 18, 2049

December 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE MI
Recording Date	Dec 18, 2018
Property Address	85 W SUB STATION RD, TEMPERANCE, MI 48182-9520
Document Number	0000022759
Instrument Date	Dec 13, 2018
Instrument	22759
Transaction Type	Transfer
Record Updated	Jan 18, 2019
Title Company	LAWYERS TITLE AGENCY/MONROE, LAWYERS TITLE AGCY/MONROE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,881.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2838 THUNDERBIRD TRL LAMBERTVILLE MI 481449681, LAMBERTVILLE, MI 48144-9681

Mortgage

Document Number	22760
Date	Dec 18, 2018
Instrument	22760

Lender

Name	DIRECTIONS CU
Type	Credit Union
Address	TOLEDO, OH 43604

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Dec 17, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 85 W Sub Station Rd was $4,509 with a homeowner's exemption.

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

Property Jurisdictions

Type	Name
State	Michigan
County	Monroe County
County Subdivision	Bedford Township
Unified School District	Bedford Public Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$201,100 (+4.52%) Land $201,100	$402,200 (+4.52%) Land $402,200
2025	$4,509.00 Homeowner's exemption	$192,400 Land $192,400	$384,800 Land $384,800
2023	$3,740.00 Homeowner's exemption	$141,500	$283,000

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

FEMA maps place 85 W Sub Station Rd in Zone X, an area of minimal flood risk, though there have been 5 flood claims nearby since 1987.

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
Community Rating System	Class 9 (5% premium discount)
Nearby Flood Policies	9 in force
Nearby Flood Claims	5 (1987–2017)
Most Recent Claim	Mar 2017 · 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

Wildfire risk around 85 W Sub Station Rd is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 95% of the US · lower than 89% of Michigan
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 43 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Buckeye Cablesystem Cable	1,000 / 20
Verizon Fixed Wireless	300 / 20
Mercury Fiber Fixed Wireless	150 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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