1165 Allen Rd, Kimball (Smiths Creek), MI 48074 Property Records

St. Clair County property record for 1165 Allen Rd, Kimball, MI 48074

Property Summary

Property Type	Single Family Home
Details	1 bd · 1 ba · 936 sqft · built 1926
Lot Size	3 acres (130,767 sqft)
Owner	Individual Name on File
Last Sale	$70,000 (May 2020)
Tax Bill	$1,293 (2025)
Deeds & Mortgages	Jun 2025 Construction Loan Dec 2021 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`74-25-023-3006-000`

Property Details

APN / Parcel Number

Primary APN	`74-25-023-3006-000`

Interior

Bedrooms	1 Bed
Full Baths	1 Bath
Building Area	936 sqft Living Area
1st Floor Area	936 sqft
Basement Area	800 sqft
Unfinished Basement	800 sqft

Exterior

Year Built	Built 1926
Effective Year Built	Effective 1926
Architectural Style	Ranch
Exterior Material	Wood Siding
Roof Type	Mansard
Roof Material	Composition Shingle
Lot Area	130,767 sqft (3 acres)
Lot Width	201 ft Width
Porch	Porch
Porch Area	232 sqft

Utilities, Heating & Cooling

Heating System	Floor/Wall Furnace

Location & Zoning

Street Address	1165 ALLEN RD
City	KIMBALL
State	MI
Zip	48074-3201
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-2 RES
Legal Description	THE N 201' OF THE S 1898.3' OF THE E 1/2 OF E 1/2 OF SE 1/4 3 A SEC 23 T6N R16E
Legal Range	16E
Legal Township	06N
Legal Section	23
Jurisdiction	SAINT CLAIR MI
Township / Civil Division	KIMBALL
Census Block Group	5
Census Block	5009
Census Tract	634600

Owner

1165 Allen Rd is owned and occupied by an individual who bought it in May 2020.

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

Owner of Record	Individual Name on File
Mailing Address	1165 ALLEN RD, KIMBALL, MI 48074-3201
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.

Deeds, Mortgages & Sale History

Date	Document
Jun 12, 2025	Deed of Trust, Mortgage · Construction Mortgage LAKE MICHIGAN CU
Dec 20, 2021	Intrafamily Transfer, Transfer
May 19, 2020	Warranty Deed, Transfer · FHA Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 19, 2020 · Amount on File
Deed Sale	May 19, 2020 · Amount on File
Deed Document Number	202011582
Deed Book / Page	5189 / 795
Prior Transfer Date	May 13, 2020
Prior Transfer Doc	0005189795
Record Updated	Oct 29, 2026

June 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Property Address	1165 ALLEN RD, KIMBALL, MI 48074-3201
Transaction Type	Mortgage
Record Updated	Sep 29, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1165 ALLEN RD, KIMBALL, MI 48074-3201

Mortgage

Document Number	0005822310
Date	Jun 12, 2025
Book Page	5822/310
Instrument	2025011137

Lender

Name	LAKE MICHIGAN CU
Type	Credit Union
Address	4027 LAKE DR SE, GRAND RAPIDS, MI 49546

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	373 Months
Due	Jul 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	6.49%
Adjustable	Adjustable Rate Rider
Type Change Date	Jul 1, 2033
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	11.4%
Index	1-Year CMT
Max Rate	11.4%

December 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAINT CLAIR MI
Recording Date	Dec 20, 2021
Property Address	1165 ALLEN RD, KIMBALL, MI 48074-3201
Document Number	0000054668
Book / Page	5466 / 8
Instrument Date	Feb 9, 2021
Instrument	2021035454
Transaction Type	Transfer
Record Updated	Jan 6, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1165 ALLEN RD, KIMBALL, MI 48074-3201

May 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAINT CLAIR MI
Recording Date	May 19, 2020
Property Address	1165 ALLEN RD, KIMBALL, MI 48074-3201
Document Number	0051890795
Book / Page	005189 / 000795
Instrument Date	May 13, 2020
Transaction Type	Transfer
Record Updated	Jun 4, 2020
Title Company	HURON TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$602.00
Amount Accuracy	Confirmed

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1662 MAYER RD KIMBALL MI 480742224, KIMBALL, MI 48074-2224

Mortgage

Document Number	51890798
Date	May 19, 2020
Book Page	005189/000798

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 18, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 1165 Allen Rd was $1,293 with a homeowner's exemption, up 5.6% from the year before.

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

Property Jurisdictions

Type	Name
State	Michigan
County	St. Clair County
County Subdivision	Kimball Township
Unified School District	Port Huron Area School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$249,000 (+227.2%)	$498,000
2025	$1,293.00 (+5.64%) Homeowner's exemption	$76,100
2024	$1,224.00		$152,200
2023		$71,500
2022	$1,093.00		$143,000

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

Flood

FEMA maps place 1165 Allen Rd 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

Wildfire risk around 1165 Allen Rd 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 93% of the US · lower than 83% 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 53 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Starlink Satellite	280 / 30

Cell Coverage

5G (outdoors only) and 4G LTE

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