1076 Cove Rd, Wales (Goodells), MI 48027 Property Records

St. Clair County property record for 1076 Cove Rd, Wales, MI 48027

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,252 sqft · built 1900
Lot Size	1.21 acres (52,708 sqft)
Owner	2 Individual Names on Record
Tax Bill	$2,079 (2025)
Deeds & Mortgages	Aug 2021 Line of Credit Jul 2024 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`74-31-745-0010-000`

Property Details

APN / Parcel Number

Primary APN	`74-31-745-0010-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	2,252 sqft Living Area
1st Floor Area	1,216 sqft
Basement Area	1,036 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Lot Area	52,708 sqft (1.21 acres)
Garage Area	1,400 sqft
Parking Spaces	5 Parking Spaces
Total Buildings	3 Buildings

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	1076 COVE RD
City	WALES
State	MI
Zip	48027-2902
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RES.VILLAG
Legal Description	LOT 11 & THAT PART OF LOT 8 THAT LIES S OF N LINE OF LOT 11 EXTD TO E LINE & N OF NWLY LINE OF LOT 14 EXTD TO E LINE SUPV
Legal Subdivision	GEORGE W KINGS OF GOODELLS
Legal Lot Number	8,11,14
Jurisdiction	SAINT CLAIR MI
Township / Civil Division	WALES
Census Block Group	2
Census Block	2058
Census Tract	652600

Owner

Source: St. Clair County records, as of September 17, 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	1076 COVE RD, WALES, MI 48027-2902
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Aug 16, 2021	Deed of Trust, Mortgage · Line of Credit CHOICEONE BANK
Jul 24, 2024	Deed of Trust, Mortgage · Conventional Mortgage MORTGAGE CENTER
Oct 7, 2025	Intrafamily Transfer, Transfer · Conventional Mortgage NEWREZ LLC
Aug 17, 2020	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Oct 1, 2025
Transfer Doc	0005858747
Record Updated	Oct 29, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Property Address	1076 COVE RD, WALES, MI 48027-2902
Transaction Type	Mortgage
Record Updated	Oct 24, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1076 COVE RD, WALES, MI 48027-2902

Mortgage

Document Number	0005408646
Date	Aug 16, 2021
Book Page	5408/646
Instrument	2021023443

Lender

Name	CHOICEONE BANK
Type	Bank
Address	MEMPHIS, MI 48041

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	112 Months
Due	Dec 9, 2030

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Property Address	1076 COVE RD, WALES, MI 48027-2902
Transaction Type	Mortgage
Record Updated	Oct 24, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1076 COVE RD, WALES, MI 48027-2902

Mortgage

Document Number	0005731743
Date	Jul 24, 2024
Book Page	5731/743
Instrument	2024012956

Lender

Name	MORTGAGE CENTER
Type	Mortgage Company
Address	26555 EVERGREEN RD STE 900, SOUTHFIELD, MI 48076

Agreement

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

October 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAINT CLAIR MI
Recording Date	Oct 7, 2025
Property Address	1076 COVE RD, WALES, MI 48027-2902
Document Number	0005858747
Book / Page	5858 / 747
Map Reference	LB 52 PG 21
Instrument Date	Oct 1, 2025
Instrument	2025019131
Transaction Type	Transfer
Record Updated	Oct 24, 2025

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1076 COVE RD, WALES, MI 48027-2902

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1076 COVE RD, WALES, MI 48027-2902

Mortgage

Document Number	2025019132
Date	Oct 7, 2025
Instrument	2025019132

Lender

Name	NEWREZ LLC
Type	Mortgage Company

Agreement

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

August 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAINT CLAIR MI
Recording Date	Aug 17, 2020
Property Address	1076 COVE RD, WALES, MI 48027-2902
Document Number	0052270017
Book / Page	005227 / 000017
Instrument Date	Jul 23, 2020
Transaction Type	Transfer
Record Updated	Aug 28, 2020
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
Address	1076 COVE RD WALES MI 480272902, WALES, MI 48027-2902

Tax Assessment & Valuation

Source: St. Clair County assessment roll, as of September 17, 2026

Property Jurisdictions

Type	Name
State	Michigan
County	St. Clair County
County Subdivision	Wales Township
Unified School District	Memphis Community Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$138,400 (+10.63%)	$276,800 (+10.63%)
2025	$2,079.00 (+22.44%) Homeowner's exemption	$125,100 (+12.91%)
2024	$1,698.00 (+4.88%)		$250,200 (+12.91%)
2023		$110,800
2022	$1,619.00		$221,600

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective July 20, 2022 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force
Nearby Flood Claims	1 (2014)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Mar 2014 · 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

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

Wildfire Risk	Low lower than 94% of the US · lower than 87% of Michigan
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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 33 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Fiber	2,000 / 2,000
Mercury Fiber Fixed Wireless	150 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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