St. Clair County property record for 2603 Beard St, Port Huron, MI 48060
| Property Type | Single Family Home |
|---|---|
| Details | 2.5 ba · 1,806 sqft · built 1965 |
| Lot Size | 0.786 acres (34,238 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $1,924 (2025) |
| Deeds & Mortgages | Jul 2026 Mortgage Nov 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 74-28-195-0006-001 |
| Primary APN | 74-28-195-0006-001 |
|---|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Building Area | 1,806 sqft Living Area |
| 1st Floor Area | 1,488 sqft |
| Basement Area | 528 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1965 |
|---|---|
| Effective Year Built | Effective 1965 |
| Lot Area | 34,238 sqft (0.786 acres) |
| Lot Dimensions | 138 ft deep x 248 ft wide |
| Garage Area | 1,296 sqft |
| Parking Spaces | 5 Parking Spaces |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 2603 BEARD ST |
|---|---|
| City | PORT HURON |
| State | MI |
| Zip | 48060-4774 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | B-2 |
| Legal Description | LOTS 9 TO 14 BLOCK 1 COTE PLAT |
| Legal Subdivision | COTE PLAT |
| Legal Block | 1 |
| Legal Lot Number | 9-14 |
| Jurisdiction | SAINT CLAIR MI |
| Township / Civil Division | PORT HURON |
| Census Block Group | 4 |
| Census Block | 4014 |
| Census Tract | 636000 |
2603 Beard St is owned and occupied by an individual.
Source: St. Clair County records, as of September 17, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 2603 BEARD ST, PORT HURON, MI 48060-4774 |
| 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.
| Date | Document |
|---|---|
| Jul 30, 2026 | Deed of Trust, Mortgage · Conventional Mortgage MORTGAGE CENTER LLC |
| Nov 21, 2020 | Deed of Trust, Mortgage · Conventional Mortgage MR COOPER |
| Jan 31, 2017 | Loan Modification, Mortgage ATTORNEY ONLY |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAINT CLAIR MI |
| Recording Date | Jul 30, 2026 |
| Property Address | 2603 BEARD ST, PORT HURON, MI 48060-4774 |
| Document Number | 0000015382 |
| Book / Page | 5949 / 65 |
| Instrument Date | Jul 22, 2026 |
| Instrument | 202615382 |
| Transaction Type | Mortgage |
| Record Updated | Aug 13, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 2603 BEARD ST, PORT HURON, MI 48060-4774 |
| Document Number | 0000015382, |
|---|---|
| Date | Jul 30, 2026 |
| Book Page | 5949/65 |
| Instrument | 202615382 |
| Name | MORTGAGE CENTER LLC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.49% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAINT CLAIR MI |
| Property Address | 2603 BEARD ST, PORT HURON, MI 48060-4774 |
| Document Number | 0052810094 |
| Instrument Date | Nov 21, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Mar 10, 2021 |
| Title Company | INSPIRE CLOSING SERVICES LLC, INSPIRE CLOSING SVCS LLC |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 2603 BEARD ST PORT HURON MI 480604774, PORT HURON, MI 48060-4774 |
| Document Number | 0052810094 |
|---|---|
| Date | Dec 18, 2020 |
| Book Page | 005281/000094 |
| Name | MR COOPER |
|---|---|
| Address | COPPELL, TX 75019 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Dec 17, 2035 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | SAINT CLAIR MI |
| Property Address | 2603 BEARD ST, PORT HURON, MI 48060-4774 |
| Document Number | 0047970379 |
| Book / Page | 004797 / 000379 |
| Instrument Date | Jan 31, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Mar 17, 2017 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 2603 BEARD ST PORT HURON MI 480604774, PORT HURON, MI 48060-4774 |
The 2025 property tax bill for 2603 Beard St was $1,924 with a homeowner's exemption, up 3.1% from the year before.
Source: St. Clair County assessment roll, as of September 17, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | St. Clair County |
| County Subdivision | Port Huron Charter Township |
| Unified School District | Port Huron Area School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $143,400 (+3.09%) | $286,800 | |
| 2025 | $1,924.00 (+3.05%) Homeowner's exemption | $139,100 | |
| 2024 | $1,867.00 | $278,200 | |
| 2023 | $111,600 | ||
| 2022 | $1,675.00 | $223,200 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 2603 Beard St 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 risk around 2603 Beard St 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 94% of the US · lower than 85% 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | CITY OF PORT HURON serves 28,983 people · EPA ID MI0005480 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Nov 2021 |
| Lead | 5 ppb (2021–2023) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None last 3 years |
Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. The service area is an EPA estimate; the actual supplier may differ.
Source: FCC Broadband Data Collection, based on 39 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| T-Mobile Fixed Wireless | 100 / 20 |
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