FILE 575 / 27 February 2025 / 174 MIN / full

Lady In The Water

Arcadia Township, MichiganListen

The town

N ↑Public placeTown centre (approximate places)
Static locations; no street basemap. Places and details. OpenFreeMap © OpenMapTiles Data from OpenStreetMap.

This is Arcadia Township, Michigan, in Manistee County, area code 231, on the lake in northwestern Michigan and not the UP. about 0:06:15

History, in brief

1870

They organised a township in 1870 and then founded the village of Arcadia in 1880, with the village inside the township.

about 0:07:34

Town note

The early history is dominated by Henry Stark, a Milwaukeean who established a lumber mill, made a lot of money and also established a church.

about 0:07:47

Town note

It was a big lumber town through the early 1900s.

about 0:07:59

1906

In 1906 Henry Stark's lumber mill burned to the ground.

about 0:08:02
All 5 history facts

1870

They organised a township in 1870 and then founded the village of Arcadia in 1880, with the village inside the township.

about 0:07:34

Town note

The early history is dominated by Henry Stark, a Milwaukeean who established a lumber mill, made a lot of money and also established a church.

about 0:07:47

Town note

It was a big lumber town through the early 1900s.

about 0:07:59

1906

In 1906 Henry Stark's lumber mill burned to the ground.

about 0:08:02

Town note

The mill was replaced by the Arcadia Furniture Factory.

about 0:08:24

The figures, as told

Religious

40.4%

Biggest faith: Catholic, 20%

about 0:11:55

Who lives here

White 94.6% · Black 4% · Hispanic 1.1%

Ethnicity can overlap race.

Crime / national average

Property crime
▼ about one third below

about 0:21:55

Violent crime
▼ about half

about 0:22:02

Money

Median home value$249,500
Two-bedroom rent$940 a month
Median household income$74,167 a year
Cost of living78 out of 100
All figures and comparisons, as told in 2025

Male share

"over 51%"

Direction: above.

As told in 2025 about 0:11:23

Married

"60%"

Comparison: "national average". No direction stated.

As told in 2025 about 0:11:35

Single with children

"0.0%"

No direction stated.

As told in 2025 about 0:11:40

Religious

"40.4%"

No direction stated.

As told in 2025 about 0:11:55

Unemployment rate

"7.6%"

Comparison: "national average". No direction stated.

As told in 2025 about 0:12:15

Median household income

"$74,167 a year"

Comparison: "$69,000 average". No direction stated.

As told in 2025 about 0:12:38

Cost of living

"78 out of 100"

No direction stated.

As told in 2025 about 0:12:44

Median home cost

"$249,500"

No direction stated.

As told in 2025 about 0:12:49

Average two-bedroom rent

"$940 a month"

Comparison: "around $1,200". No direction stated.

As told in 2025 about 0:13:31

Three-bedroom condo price

"$224,900"

No direction stated.

As told in 2025 about 0:14:20

Four-bedroom house price

"$799,900"

No direction stated.

As told in 2025 about 0:15:02

Lakefront house price

"$1,150,000"

No direction stated.

As told in 2025 about 0:16:00

Property crime

"about one third below"

Comparison: "national average". Direction: below.

As told in 2025 about 0:21:55

Violent crime

"about half"

Comparison: "national average". Direction: below.

As told in 2025 about 0:22:02

The reviews

3.6 / 5 · average of 3

4.8 stars

“4.8 stars from 85 reviews.”
about 0:09:19

5 stars

“Mary Jean: love this place, old school cool at its finest, charming cottages and a beautiful setting; do the Mount Baldy hike and walk back along the water.”
about 0:09:26

1 star

“Rick: the owners are not friendly.”
about 0:10:19

In Michigan

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The story

Florence Stern was born in 1966 and grew up in Huntington Woods, a suburb of Detroit, Michigan. Everyone called her Flo. The couple began dating after his graduation and married a few years later in a snowstorm. They had two sons, Max in 1993 and Tyler in 1996, and settled in Huntington Woods, the suburb where both had grown up.

Flo stayed at home with the boys. Flo went back to work as a mortgage loan officer at Royal Oak Bank to keep the family afloat. The couple slept in separate bedrooms. Flo had been considering divorce for six or seven years, and on 26 August 2003 she filed.

Flo told a relative she would live in a box before she let the children go. On Tuesday 21 October 2003 there was a divorce hearing at which she demanded that his gambling and drug records be put into the case. The next day a neighbour, Ronald Loeb, found her kneeling in her garden crying.

It had begun with emails and led to sex four or five times; the last time was a few days before the hearing.

On Friday 24 October 2003 the family drove four hours north to the Watervale Inn on Lower Herring Lake in Arcadia Township, a place they visited every year. They stayed in a cottage called the Mary Ellen, ate dinner at a local restaurant called Dingy's, and put the boys in front of a film. A fisherman, Fred Oeflin, came ashore about nine o'clock and chatted to them; he later said Flo told him she was afraid of the dark and would not go out on the lake at that hour, and that he heard no arguing. He said he was gone about fifteen minutes; when he returned Flo was not on the deck. He saw a light on at the house of the inn's owners, Maggie and Lynn Duncan, assumed she had gone there, and went back to the cottage.

At daybreak he woke, found she had not come back, and telephoned the Duncans in tears. They looked out of their sliding doors, noticed that a wooden lounge chair had been moved across the deck, and went outside. Maggie Duncan looked over the edge and saw Flo floating face down in the water, her feet towards the concrete break wall. Lynn Duncan picked up the blue blanket lying on the concrete landing twelve feet below the deck and found a pool of blood beneath it.

The first officer, Deputy Troy Packard, found the top railing broken out and a large pool of blood on the concrete. Flo had a fractured skull, a broken hip and internal injuries. The pathologist who performed the autopsy, Dr Stephen Cole, listed head injury as the cause but could not rule out drowning. Dr Dragovich, an Oakland County medical examiner, concluded that she drowned and that the death was a homicide: she could not have got into the water by herself after the fall. Dr Paul McKeever of the University of Michigan, who examined brain tissue, said she could have lived on the concrete for an hour and a half.

A search of his car produced a pair of shoes with a white paint smear chemically consistent with the paint on the deck railing, and he had packed the car within hours of the discovery. He gave differing accounts of the night to the police and to Flo's hairdresser, Tesha Hanks. He hired the defence attorney Bob Harrison and passed a private polygraph, and the couple's life insurance policies named each other as beneficiaries, with about $750,000 payable to him.

A judge refused to return the boys to him and allowed only increased visitation; Flo's parents had temporary custody. The prosecution, led by Donna Pendergrast, argued that Flo would never have stayed out on a dark deck, that the pressure of the divorce and custody fight boiled over, and that whoever caused the fall then put her, still alive, into the lake. The pathologists disagreed with each other about the cause of death, and the judge excluded some of the animations.

In 2006 the sons sued their father and were awarded $10 million, based on Flo's projected lifetime earnings and the loss to her survivors; he did not contest it.

The case

Murder of Florence 'Flo' Unger

Victims

Florence 'Flo' Unger (37). born in 1966 in Huntington Woods; fine arts graduate of the University of Michigan; mortgage loan officer at Royal Oak Bank; mother of Max and Tyler

Accused and outcomes

As told in the episode, on 27 February 2025.

Accused

Outcome

Other people

Claire Stern. Flo's mother
Harold Stern. Flo's father
Maggie Duncan. co-owner of the Watervale Inn who found the body
Lynn Duncan. co-owner of the Watervale Inn who found the body
Fred Oeflin. fisherman who spoke to the Ungers on the boat deck
Ronald Loeb. neighbour who found Flo crying in her garden
Troy Packard. deputy who was first officer at the scene
Bob Harrison. defence attorney, who had handled over 100 murder cases
Donna Pendergrast. prosecutor; this was her 93rd murder case
Dr Stephen Cole. pathologist who performed the autopsy
Dr Dragovich. Oakland County medical examiner who concluded Flo drowned and ruled the death a homicide
Dr Paul McKeever. University of Michigan neuropathologist who said Flo lived for about an hour and a half after the fall
Dr Igor Paul. MIT mechanical engineer who produced the defence animations
David Ruby. engineer who testified for the defence about the rotting timber
Tesha Hanks. Flo's hairdresser at Palazzo Hair Salon, who gave a different account of story
Max Unger. son, born in 1993
Tyler Unger. son, born in 1996
Connie. sister, whose daughter introduced him to Flo
Kim. sister
Deborah Carley. Oakland chief assistant prosecutor

The timeline

  1. 1960 is bornabout 0:24:41
  2. 1966 Florence Stern is bornabout 0:22:46
  3. the 1980s and Flo meet through his niece and both attend the University of Michigan (University of Michigan)about 0:26:20
  4. a few years after his graduation and Flo marry in a snowstormabout 0:28:10
  5. 1993 Their son Max is bornabout 0:31:53
  6. 1996 Their son Tyler is bornabout 0:31:53
  7. 1998 suffers a back injury, is prescribed Vicodin and becomes addicted, then starts drinking heavily and gambling (Unger house)about 0:33:47
  8. September 2002 enters rehab for five monthsabout 0:39:23
  9. February 2003 leaves rehababout 0:41:19
  10. August 26, 2003 Flo files for divorceabout 0:41:19
  11. October 21, 2003 First divorce hearing; Flo demands gambling and drug records be put in the case (trial courthouse)about 0:42:54
  12. October 22, 2003 Neighbour Ronald Loeb finds Flo kneeling in her garden crying (Unger house)about 0:48:50
  13. October 24, 2003 The family drives four hours to the Watervale Inn, eats dinner at Dingy's and sits on the boat deck; Fred Oeflin speaks to them (Watervale Inn)about 0:50:32
  14. 9.30 p.m., October 24, 2003 walks back to the cottage to put the boys to bed and returns about fifteen minutes later to find Flo gone (boat deck)about 0:59:43
  15. daybreak, October 25, 2003 wakes, calls the Duncans, and Maggie Duncan finds Flo floating face down in the lake (Duncan house)about 1:01:29
  16. October 25, 2003 Lynn Duncan finds a pool of blood under the blue blanket on the concrete; runs to the body and jumps in at the exact spot (boat deck)about 1:04:28

Places and phrases

N ↑Public placeTown centre (approximate places)
Static locations; no street basemap. Places and details. OpenFreeMap © OpenMapTiles Data from OpenStreetMap.

Places in the story

Public places are marked on the map.

Heard in this episode