12965 Hough Rd, Riley (Memphis), MI 48041 Property Records

St. Clair County property record for 12965 Hough Rd, Riley, MI 48041

Property Summary

Property Type	Single Family Home
Details	2 ba · 2,200 sqft
Lot Size	2.15 acres (93,741 sqft)
Owner	2 Individual Names on Record
Last Sale	$55,000 (Jan 2006)
Tax Bill	$2,704 (2025)
Deeds & Mortgages	Nov 2025 Second Mortgage Nov 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`74-29-032-1001-400`

Property Details

APN / Parcel Number

Primary APN	`74-29-032-1001-400`

Interior

Full Baths	2 Baths
Building Area	2,200 sqft Living Area
1st Floor Area	1,100 sqft
Basement Area	1,100 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Lot Area	93,741 sqft (2.15 acres)
Lot Depth	403 ft Depth
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	12965 HOUGH RD
City	RILEY
State	MI
Zip	48041-3505
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AR
Legal Description	BEG S 89D 26M 46S E 280.42' FROM NW SEC COR, TH S 89D 26M 46S E 200', TH S 0D 16M 31S E 435.65', TH N 89D 26M 46S W 200', TH N 0D 16M 31S W 435.65' TO BEG SECTION 32 T6N R14E 2.00 A
Legal Range	14E
Legal Township	06N
Legal Section	32
Jurisdiction	SAINT CLAIR MI
Township / Civil Division	RILEY
Census Block Group	1
Census Block	1085
Census Tract	658500

Owner

Source: St. Clair County records, as of December 23, 2025

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	12965 HOUGH RD, RILEY, MI 48041-3505
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 17, 2025	Deed of Trust, Mortgage · Stand-Alone Second Mortgage ROCKET MORTGAGE LLC
Nov 1, 2017	Deed of Trust, Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 9, 2006 · Amount on Record
Deed Sale	Jan 9, 2006 · Amount on Record
Deed Document Number	20062005046181
Deed Book / Page	3490 / 245
Last Transfer Date	Mar 5, 2008
Transfer Doc	003824/085
Record Updated	Jun 8, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Property Address	12965 HOUGH RD, RILEY, MI 48041-3505
Transaction Type	Mortgage
Record Updated	Dec 3, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12965 HOUGH RD, RILEY, MI 48041-3505

Mortgage

Document Number	0005872332
Date	Nov 17, 2025
Book Page	5872/332
Instrument	2025022106

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	1050 WOODWARD AVE, DETROIT, MI 48226

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Dec 1, 2040

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Property Address	12965 HOUGH RD, RILEY, MI 48041-3505
Document Number	0048880887
Book / Page	004888 / 000887
Instrument Date	Nov 1, 2017
Transaction Type	Mortgage
Record Updated	Dec 1, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	12965 HOUGH RD RILEY MI 480413505, RILEY, MI 48041-3505

Mortgage

Document Number	0048880887
Date	Nov 9, 2017
Book Page	004888/000887

Lender

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

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Nov 8, 2047

Tax Assessment & Valuation

Source: St. Clair County assessment roll, as of October 7, 2025

Property Jurisdictions

Type	Name
State	Michigan
County	St. Clair County
County Subdivision	Riley Township
Unified School District	Armada Area Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,704.00 (-31.65%) Homeowner's exemption	$239,700 (+18.84%)
2024	$3,956.00 (+43.23%)		$479,400 (+18.84%)
2023		$201,700
2022	$2,762.00		$403,400

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force

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 96% of the US · lower than 91% 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 36 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

May also be available: Verizon.

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