St. Clair County property record for 305 Rural St, Port Huron, MI 48060
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 832 sqft · built 1920 |
| Lot Size | 0.544 acres (23,697 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $1,809 (2025) |
| Deeds & Mortgages | Dec 2023 Line of Credit May 2022 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 74-06-270-0045-000 |
| Primary APN | 74-06-270-0045-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 832 sqft Living Area |
| 1st Floor Area | 810 sqft |
| Basement Area | 810 sqft |
| Year Built | Built 1920 |
|---|---|
| Effective Year Built | Effective 1920 |
| Lot Area | 23,697 sqft (0.544 acres) |
| Lot Dimensions | 239 ft deep x 99 ft wide |
| Garage Area | 608 sqft |
| Parking Spaces | 2 Parking Spaces |
| Heating System | Forced Air with A/C |
|---|
| Street Address | 305 RURAL ST |
|---|---|
| City | PORT HURON |
| State | MI |
| Zip | 48060-4126 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | SWLY 98 FT OF LOT 24 BOYTON'S PLAT |
| Legal Subdivision | BOYNTONS |
| Legal Lot Number | 24 |
| Legal Unit | 24 |
| Jurisdiction | SAINT CLAIR MI |
| Township / Civil Division | PORT HURON |
| Census Block Group | 1 |
| Census Block | 1005 |
| Census Tract | 623000 |
305 Rural St is owned and occupied by an individual who acquired it in June 2021.
Source: St. Clair County records, as of September 17, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 305 RURAL ST, PORT HURON, MI 48060-4126 |
| 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 |
|---|---|
| Dec 20, 2023 | Deed of Trust, Mortgage · Line of Credit FIFTH THIRD BANK NA |
| May 2, 2022 | Deed of Trust, Mortgage · Conventional Mortgage ROYAL UNITED MORTGAGE LLC |
| Sep 8, 2021 | Intrafamily Transfer, Transfer |
| Nov 15, 2017 | Deed of Trust, Mortgage · Conventional Mortgage MISCELLANEOUS GOVT AGCY |
| Deed Names | Name on Deed |
|---|---|
| Last Transfer Date | Jun 29, 2021 |
| Transfer Doc | 5418126 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAINT CLAIR MI |
| Property Address | 305 RURAL ST, PORT HURON, MI 48060-4126 |
| Transaction Type | Mortgage |
| Record Updated | Jan 16, 2024 |
| Name | Verified Name |
|---|---|
| Address | 305 RURAL ST, PORT HURON, MI 48060-4126 |
| Document Number | 0005677936 |
|---|---|
| Date | Dec 20, 2023 |
| Book Page | 5677/936 |
| Instrument | 2023021991 |
| Name | FIFTH THIRD BANK NA |
|---|---|
| Type | Bank |
| Address | GRAND RAPIDS, MI 49546 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAINT CLAIR MI |
| Property Address | 305 RURAL ST, PORT HURON, MI 48060-4126 |
| Transaction Type | Mortgage |
| Record Updated | May 23, 2022 |
| Name | Verified Name |
|---|---|
| Address | 305 RURAL ST, PORT HURON, MI 48060-4126 |
| Document Number | 0005516981 |
|---|---|
| Date | May 2, 2022 |
| Book Page | 5516/981 |
| Instrument | 2022011053 |
| Name | ROYAL UNITED MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | INDIANAPOLIS, IN 46250 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 1, 2052 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | SAINT CLAIR MI |
| Recording Date | Sep 8, 2021 |
| Property Address | 305 RURAL ST, PORT HURON, MI 48060-4126 |
| Document Number | 5418126 |
| Book / Page | 5418 / 126 |
| Map Reference | LB C PG 22 |
| Instrument Date | Jun 29, 2021 |
| Instrument | 2021025723 |
| Transaction Type | Transfer |
| Record Updated | Sep 24, 2021 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 305 RURAL ST, PORT HURON, MI 48060-4126 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAINT CLAIR MI |
| Property Address | 305 RURAL ST, PORT HURON, MI 48060-4126 |
| Document Number | 0048970222 |
| Book / Page | 004897 / 000222 |
| Instrument Date | Nov 15, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Jan 12, 2018 |
| Name | Verified Name |
|---|---|
| Address | 305 RURAL ST PORT HURON MI 480604126, PORT HURON, MI 48060-4126 |
| Document Number | 0048970222 |
|---|---|
| Date | Dec 5, 2017 |
| Book Page | 004897/000222 |
| Name | MISCELLANEOUS GOVT AGCY |
|---|---|
| Address | PORT HURON, MI 48060 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
The 2025 property tax bill for 305 Rural St was $1,809 with a homeowner's exemption, up 2.8% from the year before.
Source: St. Clair County assessment roll, as of September 17, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | St. Clair County |
| Municipality | Port Huron City |
| Unified School District | Port Huron Area School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $76,800 (+10.82%) | $153,600 | |
| 2025 | $1,809.00 (+2.78%) Homeowner's exemption | $69,300 | |
| 2024 | $1,760.00 | $138,600 | |
| 2023 | $57,600 | ||
| 2022 | $1,429.00 | $115,200 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 305 Rural 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 305 Rural 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 98% of the US · lower than 95% 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 244 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · Fixed Wireless in parts of the area | 5,000 / 5,000 |
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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