975 Cole Rd, Monroe, MI 48162 Property Records

Monroe County property record for 975 Cole Rd, Monroe, MI 48162

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,148 sqft · built 1955
Lot Size	0.25 acres (10,890 sqft)
Owner	Individual Name on Record
Last Sale	$165,000 (Apr 2020)
Tax Bill	$2,278 (2025)
Deeds & Mortgages	Jan 2023 Mortgage Apr 2020 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`07-028-107-00`

Property Details

APN / Parcel Number

Primary APN	`07-028-107-00`

Interior

Full Baths	1 Bath
Building Area	1,148 sqft Living Area
1st Floor Area	1,148 sqft
Basement Area	1,148 sqft

Exterior

Year Built	Built 1955
Effective Year Built	Effective 1955
Architectural Style	Ranch
Lot Area	10,890 sqft (0.25 acres)
Lot Dimensions	183 ft deep x 60 ft wide
Garage Area	396 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	975 COLE RD
City	MONROE
State	MI
Zip	48162-4141
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	LEAVE BLAN
Legal Description	F-764-C SEC 28 T6S R9E 0.25 AMOL COM 25.70 FT N 83 DE G 33'W FR INT CL COLE RD W/W LI HEMLOCK ST EXT, TH N 83 DEG 33' W 60
Legal Range	09E
Legal Township	06S
Legal Section	28
Jurisdiction	MONROE MI
Township / Civil Division	FRENCHTOWN
Census Block Group	4
Census Block	4000
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	975 COLE RD, MONROE, MI 48162-4141
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 19, 2023	Quit Claim Deed, Transfer · Conventional Mortgage UNION HOME MORTGAGE CORP
Apr 6, 2020	Warranty Deed, Transfer · Conventional Mortgage UNION HOME MORTGAGE CORP
Sep 25, 2018	Warranty Deed, Transfer · Conventional Mortgage UNION HOME MORTGAGE CORP
Sep 25, 2018	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 6, 2020 · Amount on Record
Deed Sale	Apr 6, 2020 · Amount on Record
Prior Sale	Sep 25, 2018 · Amount on Record
Deed Document Number	20205796
Prior Transfer Date	Feb 9, 2011
Prior Transfer Doc	0000002461
Record Updated	Oct 29, 2026

January 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MONROE MI
Recording Date	Jan 19, 2023
Property Address	975 COLE RD, MONROE, MI 48162-4141
Document Number	0000000948
Instrument Date	Jan 13, 2023
Instrument	2023R00948
Transaction Type	Transfer
Record Updated	Feb 6, 2023
Title Company	MUTUAL TITLE AGENCY INC

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	420 STEWART RD APT 1, 1, MONROE, MI 48162-4263

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	975 COLE RD, MONROE, MI 48162-4141

Mortgage

Document Number	0000000949
Date	Jan 19, 2023
Instrument	2023R00949

Lender

Name	UNION HOME MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2053

April 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE MI
Recording Date	Apr 6, 2020
Property Address	975 COLE RD, MONROE, MI 48162-4141
Document Number	2020R05796
Instrument Date	Mar 25, 2020
Instrument	2020R05796
Transaction Type	Transfer
Record Updated	Jul 13, 2021
Title Company	LAWYERS TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,237.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	975 COLE RD, 975, MONROE, MI 48162-4141

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	975 COLE RD, MONROE, MI 48162-4141

Mortgage

Document Number	2020R05797
Date	Apr 6, 2020
Instrument	2020R05797

Lender

Name	UNION HOME MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2050

September 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE MI
Recording Date	Sep 25, 2018
Property Address	975 COLE RD, MONROE, MI 48162-4141
Document Number	0000017758
Instrument Date	Sep 24, 2018
Instrument	2018R17758
Transaction Type	Transfer
Record Updated	Feb 6, 2021
Title Company	HASSETT TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,143.80
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	278 BREVARD RD, 278, ASHEVILLE, NC 28806-2925

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	975 COLE RD, MONROE, MI 48162-4141

Mortgage

Document Number	0000017759
Date	Sep 25, 2018
Instrument	2018R17759

Lender

Name	UNION HOME MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2048

Interest

Rate Type	Fixed Rate

September 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MONROE MI
Recording Date	Sep 25, 2018
Property Address	975 COLE RD, MONROE, MI 48162-4141
Document Number	0000017757
Instrument Date	Jul 2, 2018
Instrument	17757
Transaction Type	Transfer
Record Updated	Oct 18, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	278 BREVARD RD ASHEVILLE NC 288062925, ASHEVILLE, NC 28806-2925

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Michigan
County	Monroe County
County Subdivision	Frenchtown Township
Unified School District	Jefferson Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$88,300 (+6.39%) Land $88,300	$176,600 (+6.39%) Land $176,600
2025	$2,278.00 (+7.66%) Homeowner's exemption	$83,000 (+27.3%) Land $83,000	$166,000 (+27.3%) Land $166,000
2023	$2,116.00 Homeowner's exemption	$65,200	$130,400

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	3 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	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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	FRENCHTOWN TOWNSHIP serves 21,609 people · EPA ID MI0002500
Water Source	Surface water
Last State Inspection	Sep 2021
Lead	2 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	25 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 250 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
Mercury Fiber Fixed Wireless	150 / 20
AT&T DSL	100 / 20

May also be available: Xfinity.

Cell Coverage

5G (outdoors only) and 4G LTE

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