13081 Hough Rd, Memphis, MI 48041 Property Records

St. Clair County property record for 13081 Hough Rd, Memphis, MI 48041

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 960 sqft · built 1955
Lot Size	2.18 acres (94,961 sqft)
Owner	Individual Name on Record
Last Sale	$220,000 (Jul 2023)
Tax Bill	$1,956 (2025)
Deeds & Mortgages	Jul 2023 Mortgage Jul 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`74-29-031-2005-500`

Property Details

APN / Parcel Number

Primary APN	`74-29-031-2005-500`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	960 sqft Living Area
1st Floor Area	960 sqft

Exterior

Year Built	Built 1955
Effective Year Built	Effective 1955
Lot Area	94,961 sqft (2.18 acres)
Lot Dimensions	257 ft deep x 271 ft wide
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	13081 HOUGH RD
City	MEMPHIS
State	MI
Zip	48041-3411
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AR
Legal Description	BEG S 89D 53M 43S W 1011.04' FROM NE SEC COR, TH S 89D 53M 43S W 271.02', TH S 0D 4M 44S W 350', TH N 89D 53M 43S E 271.14', TH N 0D 3M 33S E 350' TO BEG. SEC 31 T6N R14E 2.18 A
Legal Range	14E
Legal Township	06N
Legal Section	31
Jurisdiction	SAINT CLAIR MI
Township / Civil Division	RILEY
Census Block Group	1
Census Block	1086
Census Tract	658500

Owner

Source: St. Clair County records, as of August 12, 2026

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	13081 HOUGH RD, MEMPHIS, MI 48041-3411
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 21, 2023	Deed of Trust, Mortgage · Second Mortgage (Down Payment) MICHIGAN STATE HOUSING DEV AUTHORITY
Jul 27, 2023	Warranty Deed, Transfer · Conventional Mortgage TOP FLITE FINANCIAL INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 27, 2023 · Amount on Record
Deed Sale	Jul 27, 2023 · Amount on Record
Prior Sale	May 19, 2010 · Amount on Record
Deed Document Number	202313224
Deed Book / Page	5640 / 940
Prior Transfer Date	Oct 26, 2016
Prior Transfer Doc	004766/531
Record Updated	Sep 20, 2026

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Property Address	13081 HOUGH RD, MEMPHIS, MI 48041-3411
Transaction Type	Mortgage
Record Updated	Aug 8, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	13081 HOUGH RD, RILEY, MI 48041-3411

Mortgage

Document Number	0005639953
Date	Jul 21, 2023
Book Page	5639/953
Instrument	2023012986

Lender

Name	MICHIGAN STATE HOUSING DEV AUTHORITY
Type	Government Agency
Address	LANSING, MI 48912

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount Recorded

July 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAINT CLAIR MI
Recording Date	Jul 27, 2023
Property Address	13081 HOUGH RD, MEMPHIS, MI 48041-3411
Document Number	0005640940
Book / Page	5640 / 940
Instrument Date	Jul 7, 2023
Instrument	2023013224
Transaction Type	Transfer
Record Updated	Aug 10, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,650.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	13081 HOUGH RD, RILEY, MI 48041-3411

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	13081 HOUGH RD, RILEY, MI 48041-3411

Mortgage

Document Number	0005639940
Date	Jul 21, 2023
Book Page	5639/940
Instrument	2023012985

Lender

Name	TOP FLITE FINANCIAL INC
Type	Mortgage Company
Address	WILLIAMSTON, MI 48895

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2053

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	$1,956.00 (-22.75%) Homeowner's exemption	$97,600 (+34.81%)
2024	$2,532.00 (+75.47%)		$195,200 (+34.81%)
2023		$72,400
2022	$1,443.00		$144,800

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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

Provider	Max Down / Up (Mbps)
Xfinity Fiber	2,000 / 2,000
Verizon Fixed Wireless	300 / 20
Mercury Fiber Fixed Wireless	150 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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