10951 Gilbert Rd, Riley (Memphis), MI 48041 Property Records

St. Clair County property record for 10951 Gilbert Rd, Riley, MI 48041

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,248 sqft · built 1994
Lot Size	1.04 acres (45,302 sqft)
Owner	Individual Name on Record
Last Sale	$130,000 (Jan 2019)
Tax Bill	$2,952 (2024)
Deeds & Mortgages	Oct 2025 Line of Credit Jan 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`74-29-025-4002-000`

Property Details

APN / Parcel Number

Primary APN	`74-29-025-4002-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,248 sqft Living Area
Basement Area	1,248 sqft

Exterior

Year Built	Built 1994
Lot Area	45,302 sqft (1.04 acres)
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Forced Air

Location & Zoning

Account Number	74290254002000
Street Address	10951 GILBERT RD
City	RILEY
State	MI
Zip	48041-3922
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AR
Legal Description	E 221 FT OF W 515 FT OF N 205 FT OF SW 1/4 1.04 A SEC 25 T6N R14E
Legal Range	14E
Legal Township	06N
Legal Section	25
Jurisdiction	SAINT CLAIR MI
Township / Civil Division	RILEY
Census Block Group	2
Census Block	2051
Census Tract	658500

Owner

Source: St. Clair County records, as of October 6, 2025

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	10951 GILBERT RD, RILEY, MI 48041-3922
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 27, 2025	Deed of Trust, Mortgage · Line of Credit ADVIA CU
Jan 15, 2019	Warranty Deed, Subdivision Related Transfer · FHA Mortgage LAKE MI CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 15, 2019 · Amount on Record
Deed Sale	Jan 15, 2019 · Amount on Record
Prior Sale	Aug 9, 2010 · Amount on Record
Deed Document Number	2019000961
Deed Book / Page	5024 / 321
Record Updated	Jun 8, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Property Address	10951 GILBERT RD, RILEY, MI 48041-3922
Transaction Type	Mortgage
Record Updated	Nov 13, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10951 GILBERT RD, RILEY, MI 48041-3922

Mortgage

Document Number	0000058651
Date	Oct 27, 2025
Book Page	5865/1
Instrument	2025020533

Lender

Name	ADVIA CU
Type	Credit Union
Address	6400 W MAIN ST, KALAMAZOO, MI 49009

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Oct 26, 2045

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2019: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	SAINT CLAIR MI
Recording Date	Jan 15, 2019
Property Address	10951 GILBERT RD, RILEY, MI 48041-3922
Document Number	0050240321
Book / Page	005024 / 000321
Instrument Date	Dec 28, 2018
Transaction Type	Subdivision Related Transfer
Record Updated	Jan 31, 2019
Title Company	ATA NATIONAL TITLE GROUP LLC, ATA NAT'L TITLE GROUP LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,117.14
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10951 GILBERT RD RILEY MI 480413922, RILEY, MI 48041-3922

Mortgage

Document Number	50240322
Date	Jan 15, 2019
Book Page	005024/000322

Lender

Name	LAKE MI CU
Type	Credit Union
Address	GRAND RAPIDS, MI 49501

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 14, 2049

Tax Assessment & Valuation

Source: St. Clair County assessment roll, as of March 1, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$133,200 (+18.4%)
2024	$2,952.00 (+9.41%)		$266,400 (+18.4%)
2023		$112,500
2022	$2,698.00		$225,000

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

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

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

Provider	Max Down / Up (Mbps)
Xfinity Fiber	2,000 / 2,000

May also be available: Mercury Fiber.

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