St. Clair County property record for 10816 Gratiot Ave, Casco, MI 48064
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,160 sqft · built 1957 |
| Lot Size | 2.14 acres (93,218 sqft) |
| Owner | Individual Name on File |
| Last Sale | $100,000 (Jan 2020) |
| Tax Bill | $1,847 (2025) |
| Deeds & Mortgages | Sep 2026 Line of Credit Nov 2021 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 74-12-006-4001-000 |
| Primary APN | 74-12-006-4001-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Building Area | 1,160 sqft Living Area |
| 1st Floor Area | 928 sqft |
| Basement Area | 1,024 sqft |
| Year Built | Built 1957 |
|---|---|
| Effective Year Built | Effective 1957 |
| Lot Area | 93,218 sqft (2.14 acres) |
| Garage Area | 528 sqft |
| Parking Spaces | 2 Parking Spaces |
| Heating System | Forced Air with A/C |
|---|
| Street Address | 10816 GRATIOT AVE |
|---|---|
| City | CASCO |
| State | MI |
| Zip | 48064-1005 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | B-2 |
| Legal Description | N 100' OF THAT PART OF W 1/2 OF SW FRAC 1/4 LYING NW OF US-25 & CONT 2.14 A 2.14 A T4N R15E SEC 06 |
| Legal Range | 15E |
| Legal Township | 04N |
| Legal Section | 06 |
| Jurisdiction | SAINT CLAIR MI |
| Township / Civil Division | CASCO |
| Census Block Group | 1 |
| Census Block | 1013 |
| Census Tract | 651200 |
10816 Gratiot Ave is owned and occupied by an individual who bought it in January 2020.
Source: St. Clair County records, as of October 13, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 10816 GRATIOT AVE, CASCO, MI 48064-1005 |
| 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.
| Date | Document |
|---|---|
| Sep 30, 2026 | Deed of Trust, Mortgage · Line of Credit FIRST STATE BANK |
| Nov 24, 2021 | Deed of Trust, Mortgage · Conventional Mortgage FIRST STATE BANK |
| Jan 28, 2020 | Warranty Deed, Transfer · Conventional Mortgage FIRST STATE BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jan 28, 2020 · Amount on File |
| Deed Sale | Jan 28, 2020 · Amount on File |
| Deed Document Number | 20202518 |
| Deed Book / Page | 5146 / 743 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAINT CLAIR MI |
| Recording Date | Sep 30, 2026 |
| Property Address | 10816 GRATIOT AVE, CASCO, MI 48064-1005 |
| Document Number | 0000019863 |
| Book / Page | 5969 / 984 |
| Instrument Date | Sep 25, 2026 |
| Instrument | 202619863 |
| Transaction Type | Mortgage |
| Record Updated | Oct 13, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 10816 GRATIOT AVE, CASCO, MI 48064-1005 |
| Document Number | 0000019863, |
|---|---|
| Date | Sep 30, 2026 |
| Book Page | 5969/984 |
| Instrument | 202619863 |
| Name | FIRST STATE BANK |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 301 Months |
| Due | Oct 1, 2051 |
| Max Rate | -1% |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAINT CLAIR MI |
| Property Address | 10816 GRATIOT AVE, CASCO, MI 48064-1005 |
| Transaction Type | Mortgage |
| Record Updated | Feb 9, 2022 |
| Name | Verified Name |
|---|---|
| Address | 10816 GRATIOT AVE, CASCO, MI 48064-1005 |
| Document Number | 0005454488 |
|---|---|
| Date | Nov 24, 2021 |
| Book Page | 5454/488 |
| Instrument | 2021033123 |
| Name | FIRST STATE BANK |
|---|---|
| Type | Bank |
| Address | CLINTON TOWNSHIP, MI 48038 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Dec 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SAINT CLAIR MI |
| Recording Date | Jan 28, 2020 |
| Property Address | 10816 GRATIOT AVE, CASCO, MI 48064-1005 |
| Document Number | 0005146743 |
| Book / Page | 5146 / 743 |
| Instrument Date | Jan 8, 2020 |
| Instrument | 2020002518 |
| Transaction Type | Transfer |
| Record Updated | Feb 11, 2022 |
| Title Company | FIDELITY NATIONAL TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $860.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 60380 NEW HAVEN RD, 60380, LENOX, MI 48048-1781 |
| Name | Verified Name |
|---|---|
| Address | 10816 GRATIOT AVE, CASCO, MI 48064-1005 |
| Document Number | 2020002519 |
|---|---|
| Date | Jan 28, 2020 |
| Instrument | 2020002519 |
| Name | FIRST STATE BANK |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|
The 2025 property tax bill for 10816 Gratiot Ave was $1,847 with a homeowner's exemption, up 2.3% from the year before.
Source: St. Clair County assessment roll, as of September 17, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | St. Clair County |
| County Subdivision | Casco Township |
| Unified School District | Richmond Community Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $83,200 (+4.52%) | $166,400 | |
| 2025 | $1,847.00 (+2.27%) Homeowner's exemption | $79,600 | |
| 2024 | $1,806.00 | $159,200 | |
| 2023 | $74,900 | ||
| 2022 | $1,721.00 | $149,800 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 10816 Gratiot Ave in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective July 20, 2022
| 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 risk around 10816 Gratiot Ave 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 98% of the US · lower than 95% 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | CITY OF RICHMOND serves 6,200 people · EPA ID MI0005670 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jun 2025 |
| Lead | 2 ppb (2024–2026) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 1 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.
Source: FCC Broadband Data Collection, based on 11 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
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