2205 Sperry Rd, Berlin (Allenton), MI 48002 Property Records

St. Clair County property record for 2205 Sperry Rd, Berlin, MI 48002

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 1,232 sqft · built 1999
Lot Size	0.43 acres (18,731 sqft)
Owner	Individual Name on Record
Tax Bill	$950 (2025)
Deeds & Mortgages	Apr 2024 Second Mortgage Apr 2023 Mortgage + 4 more
Flood Zone	Zone A (high risk)
APN	`74-09-900-0003-500`

Property Details

APN / Parcel Number

Primary APN	`74-09-900-0003-500`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Building Area	1,232 sqft Living Area
1st Floor Area	1,232 sqft
Basement Area	1,232 sqft

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Architectural Style	Ranch
Lot Area	18,731 sqft (0.43 acres)
Lot Dimensions	187 ft deep x 100 ft wide
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	2205 SPERRY RD
City	BERLIN
State	MI
Zip	48002-2022
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RES
Legal Description	N 44.5' OF LOT 8 & S 55.5' OF LOT 9 W OF MAIN STREET & S OF BELLE RIVER VILLAGE OF BELLE RIVER
Legal Subdivision	VILLAGE OF BELLE RIVER
Legal Lot Number	8-9
Legal Unit	8,9
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 December 23, 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	2205 SPERRY RD, BERLIN, MI 48002-2022
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 22, 2024	Deed of Trust, Mortgage · Stand-Alone Second Mortgage GENISYS CU
Apr 27, 2023	Deed of Trust, Mortgage · Conventional Mortgage GENISYS CU
Nov 15, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage GENISYS CU
Jul 21, 2021	Deed of Trust, Mortgage · Line of Credit GENISYS CU
Oct 16, 2019	Deed of Trust, Mortgage · FHA Mortgage UNITED SHORE FINANCIAL SERVICE
Dec 27, 2018	Quit Claim Deed, Transfer · Conventional Mortgage OTHER INSTITUTIONAL LENDERS

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Nov 3, 2021
Transfer Doc	5448859
Record Updated	Sep 20, 2026

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Property Address	2205 SPERRY RD, BERLIN, MI 48002-2022
Transaction Type	Mortgage
Record Updated	May 13, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2205 SPERRY RD, BERLIN, MI 48002-2022

Mortgage

Document Number	0005707777
Date	Apr 22, 2024
Book Page	5707/777
Instrument	2024007420

Lender

Name	GENISYS CU
Type	Credit Union
Address	2100 EXECUTIVE HILLS DR, AUBURN HILLS, MI 48326

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Apr 3, 2034

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Property Address	2205 SPERRY RD, BERLIN, MI 48002-2022
Transaction Type	Mortgage
Record Updated	May 15, 2023
Title Company	ABSTRACT TITLE AGENCY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2205 SPERRY RD, BERLIN, MI 48002-2022

Mortgage

Document Number	0005616939
Date	Apr 27, 2023
Book Page	5616/939
Instrument	2023007645

Lender

Name	GENISYS CU
Type	Credit Union
Address	AUBURN HILLS, MI 48326

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	7.12%
Type Change Date	May 1, 2028
Change Frequency	6 Months
Min Rate At Change	5.12%
Max Rate At Change	9.12%
Index	Other
Margin	3
Max Rate	12.1%

November 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAINT CLAIR MI
Recording Date	Nov 15, 2021
Property Address	2205 SPERRY RD, BERLIN, MI 48002-2022
Document Number	5448859
Book / Page	5448 / 859
Map Reference	LB H PG 80
Instrument Date	Nov 3, 2021
Instrument	2021031952
Transaction Type	Transfer
Record Updated	Dec 8, 2021
Title Company	ABSTRACT TITLE AGENCY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2205 SPERRY RD, BERLIN, MI 48002-2022

Mortgage

Document Number	2021031953
Date	Nov 15, 2021
Instrument	2021031953

Lender

Name	GENISYS CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Dec 1, 2041

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Property Address	2205 SPERRY RD, BERLIN, MI 48002-2022
Transaction Type	Mortgage
Record Updated	Aug 6, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2205 SPERRY RD, BERLIN, MI 48002-2022

Mortgage

Document Number	539622
Date	Jul 21, 2021
Book Page	5396/22
Instrument	2021021034

Lender

Name	GENISYS CU
Type	Credit Union
Address	AUBURN HILLS, MI 48326

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	239 Months
Due	Jun 29, 2041

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Property Address	2205 SPERRY RD, BERLIN, MI 48002-2022
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0051090026
Date	Oct 16, 2019
Book Page	5109/26
Instrument	2019021585

Lender

Name	UNITED SHORE FINANCIAL SERVICE
Type	Funding / Finance Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2049

Interest

Rate Type	Fixed Rate

December 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAINT CLAIR MI
Recording Date	Dec 27, 2018
Property Address	2205 SPERRY RD, BERLIN, MI 48002-2022
Document Number	0050190987
Book / Page	005019 / 000987
Instrument Date	Dec 17, 2018
Transaction Type	Transfer
Record Updated	Jan 23, 2019
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	2205 SPERRY RD BERLIN MI 480022022, BERLIN, MI 48002-2022

Mortgage

Document Number	50190988
Date	Dec 27, 2018
Book Page	005019/000988

Lender

Name	OTHER INSTITUTIONAL LENDERS
Type	Bank
Address	SHELBY TOWNSHIP, MI 48315

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 26, 2048

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	$950.00 (-59.83%) Homeowner's exemption	$115,000 (+19.29%)
2024	$2,365.00 (+10.46%)		$230,000 (+19.29%)
2023		$96,400
2022	$2,141.00		$192,800

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 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

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