St. Clair County property record for 3174 N River Rd, Fort Gratiot, MI 48059
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,111 sqft · built 1945 |
| Lot Size | 1.44 acres (62,726 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $210,000 (Nov 2025) |
| Tax Bill | $2,108 (2025) |
| Deeds & Mortgages | Nov 2025 Sale & Mortgage Apr 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 74-20-730-0003-000 |
| Primary APN | 74-20-730-0003-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Building Area | 1,111 sqft Living Area |
| 1st Floor Area | 1,111 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1945 |
|---|---|
| Effective Year Built | Effective 1945 |
| Architectural Style | Ranch |
| Lot Area | 62,726 sqft (1.44 acres) |
| Lot Depth | 651 ft Depth |
| Garage Area | 1,376 sqft |
| Parking Spaces | 5 Parking Spaces |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 3174 N RIVER RD |
|---|---|
| City | FORT GRATIOT |
| State | MI |
| Zip | 48059-4222 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-1A |
| Legal Description | LOT 3 SIMPSONS LITTLE FARMS PLAT |
| Legal Subdivision | LIGHTHOUSE RESERVATION OF GRATIOT |
| Legal Lot Number | 3 |
| Legal Unit | 3 |
| Jurisdiction | SAINT CLAIR MI |
| Township / Civil Division | FORT GRATIOT |
| Census Block Group | 3 |
| Census Block | 3001 |
| Census Tract | 630400 |
3174 N River Rd is owned and occupied by two individuals who bought it in November 2025.
Source: St. Clair County records, as of September 17, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 3190 N RIVER RD, FORT GRATIOT, MI 48059-4222 |
| 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 |
|---|---|
| Nov 6, 2025 | Warranty Deed, Transfer · FHA Mortgage CANOPY MORTGAGE LLC |
| Apr 29, 2021 | Intrafamily Transfer, Transfer · Conventional Mortgage MICHIGAN MUTUAL INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 6, 2025 · Amount on File |
| Deed Sale | Nov 6, 2025 · Amount on File |
| Prior Sale | Jan 31, 2014 · Amount on File |
| Deed Document Number | 202521298 |
| Deed Book / Page | 5868 / 538 |
| Prior Transfer Date | Apr 23, 2021 |
| Prior Transfer Doc | 5359383 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SAINT CLAIR MI |
| Recording Date | Nov 6, 2025 |
| Property Address | 3174 N RIVER RD, FORT GRATIOT, MI 48059-4222 |
| Document Number | 0005868538 |
| Book / Page | 5868 / 538 |
| Map Reference | LB 53 PG 22 |
| Instrument Date | Sep 23, 2025 |
| Instrument | 2025021298 |
| Transaction Type | Transfer |
| Record Updated | Apr 3, 2026 |
| Title Company | LIBERTY TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,575.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2639 W LILY LAKE RD, HARRISON, MI 48625-9539 |
| Name | Verified Name |
|---|---|
| Address | 3190 N RIVER RD, FORT GRATIOT, MI 48059-4222 |
| Document Number | 2025021299 |
|---|---|
| Date | Nov 6, 2025 |
| Instrument | 2025021299 |
| Name | CANOPY MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 359 Months |
| Due | Oct 1, 2055 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | SAINT CLAIR MI |
| Recording Date | Apr 29, 2021 |
| Property Address | 3174 N RIVER RD, FORT GRATIOT, MI 48059-4222 |
| Document Number | 5359383 |
| Book / Page | 5359 / 383 |
| Map Reference | LB 53 PG 22 |
| Instrument Date | Apr 23, 2021 |
| Instrument | 2021013288 |
| Transaction Type | Transfer |
| Record Updated | May 18, 2021 |
| Title Company | MARITIME TITLE AGENCY LLC |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3174 N RIVER RD, FORT GRATIOT, MI 48059-4222 |
| Document Number | 2021013289 |
|---|---|
| Date | Apr 29, 2021 |
| Instrument | 2021013289 |
| Name | MICHIGAN MUTUAL INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | May 1, 2051 |
The 2025 property tax bill for 3174 N River Rd was $2,108 with a homeowner's exemption.
Source: St. Clair County assessment roll, as of September 17, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | St. Clair County |
| County Subdivision | Fort Gratiot Charter Township |
| Unified School District | Port Huron Area School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $93,700 (+34.63%) | $187,400 | |
| 2025 | $2,108.00 Homeowner's exemption | $69,600 | |
| 2024 | $139,200 | ||
| 2023 | $61,900 | ||
| 2022 | $1,810.00 | $123,800 |
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.
FEMA maps place 3174 N River Rd in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1978.
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 Claims | 1 (1978) |
| Most Recent Claim | Mar 1978 · tidal / storm surge |
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 risk around 3174 N River Rd 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 95% of the US · lower than 89% 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 165 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Mercury Fiber Fiber · Fixed Wireless in parts of the area | 5,000 / 5,000 |
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T DSL · Fiber in parts of the area | 100 / 20 |
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