2195 Sperry Rd, Berlin (Allenton), MI 48002 Property Records

St. Clair County property record for 2195 Sperry Rd, Berlin, MI 48002

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 1,120 sqft · built 1998
Lot Size	0.43 acres (18,731 sqft)
Owner	Individual Name on Record
Last Sale	$235,000 (Jul 2022)
Tax Bill	$1,199 (2025)
Deeds & Mortgages	Apr 2026 Mortgage Nov 2023 Mortgage + 1 more
Flood Zone	Zone A (high risk)
APN	`74-09-900-0003-400`

Property Details

APN / Parcel Number

Primary APN	`74-09-900-0003-400`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Building Area	1,120 sqft Living Area
1st Floor Area	1,120 sqft
Basement Area	1,120 sqft

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Architectural Style	Ranch
Lot Area	18,731 sqft (0.43 acres)
Lot Dimensions	187 ft deep x 100 ft wide
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	2195 SPERRY RD
City	BERLIN
State	MI
Zip	48002-2019
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RES
Legal Description	N 45.5' OF LOT 7 & S 54.5' OF LOT 8 W OF MAIN STREET & S OF BELLE RIVER VILLAGE OF BELLE RIVER
Legal Subdivision	VILLAGE OF BELLE RIVER
Legal Lot Number	7-8
Legal Unit	7,8
Jurisdiction	SAINT CLAIR MI
Township / Civil Division	BERLIN
Census Block Group	2
Census Block	2041
Census Tract	657200

Owner

Source: St. Clair County records, as of April 22, 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	2195 SPERRY RD, BERLIN, MI 48002-2019
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 7, 2026	Deed of Trust, Mortgage · Conventional Mortgage NONE LISTED ON DOCUMENT
Nov 1, 2023	Deed of Trust, Mortgage · Conventional Mortgage PLAZA HOME MORTGAGE INC
Jul 1, 2022	Warranty Deed, Transfer · Conventional Mortgage CALIBER HOME LOANS INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 1, 2022 · Amount on Record
Deed Sale	Jul 1, 2022 · Amount on Record
Prior Sale	Jun 22, 2016 · Amount on Record
Deed Document Number	202216074
Deed Book / Page	5538 / 757
Record Updated	Jun 8, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Recording Date	Apr 7, 2026
Property Address	2195 SPERRY RD, BERLIN, MI 48002-2019
Document Number	0005913180
Book / Page	5913 / 180
Instrument Date	Apr 1, 2026
Instrument	20266860
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2195 SPERRY RD, BERLIN, MI 48002-2019

Mortgage

Document Number	0000006860,
Date	Apr 7, 2026
Book Page	5913/180
Instrument	20266860

Lender

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6%
Initial Type	Fixed Rate
Max Rate	-1%

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Property Address	2195 SPERRY RD, BERLIN, MI 48002-2019
Transaction Type	Mortgage
Record Updated	Jan 18, 2024
Title Company	PREMIER TITLE COMPANY, PREMIER TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	13610 HOUGH RD, ALLENTON, MI 48002-3921

Mortgage

Document Number	0005667835
Date	Nov 1, 2023
Book Page	5667/835
Instrument	2023019517

Lender

Name	PLAZA HOME MORTGAGE INC
Type	Mortgage Company
Address	SAN DIEGO, CA 92121

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2053

July 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAINT CLAIR MI
Recording Date	Jul 1, 2022
Property Address	2195 SPERRY RD, BERLIN, MI 48002-2019
Document Number	0005538757
Book / Page	5538 / 757
Instrument Date	Jun 10, 2022
Instrument	2022016074
Transaction Type	Transfer
Record Updated	Aug 12, 2022
Title Company	CRISLO TITLE COMPANY, CISLO TITLE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,762.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2195 SPERRY RD, 2195, BERLIN, MI 48002-2019

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2195 SPERRY RD, BERLIN, MI 48002-2019

Mortgage

Document Number	2022016096
Date	Jul 1, 2022
Instrument	2022016096

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2052

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	Berlin Township
Unified School District	Capac Community School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,199.00 (-59.66%) Homeowner's exemption	$107,700 (+19.27%)
2024	$2,972.00 (+48.67%)		$215,400 (+19.27%)
2023		$90,300
2022	$1,999.00		$180,600

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 A high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Not determined for this zone
Flood Insurance Requirement	Required federally backed loans
Nearby Flood Policies	2 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 97% of the US · lower than 93% 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 21 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Verizon Fixed Wireless	25 / 6

May also be available: AT&T, Frontier, Mercury Fiber, T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Sperry Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures