3184 Spruce Dr, Port Huron, MI 48060 Property Records

St. Clair County property record for 3184 Spruce Dr, Port Huron, MI 48060

Property Summary

Property Type	Condominium
Details	3 bd · 2.5 ba · 1,839 sqft · built 2005
Lot Size	0.287 acres (12,502 sqft)
Owner	Individual Name on File
Last Sale	$243,000 (Jul 2014)
Tax Bill	$4,243 (2025)
Deeds & Mortgages	Sep 2025 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`74-28-970-0006-000`

Property Details

APN / Parcel Number

Primary APN	`74-28-970-0006-000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Building Area	1,839 sqft Living Area
1st Floor Area	1,180 sqft
Basement Area	1,180 sqft

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Architectural Style	Condo/Apartment
Lot Area	12,502 sqft (0.287 acres)
Lot Dimensions	156 ft deep x 80 ft wide
Garage Area	495 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	3184 SPRUCE DR
City	PORT HURON
State	MI
Zip	48060-1637
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	R-1
Legal Description	UNIT 6 SPRUCE MEADOW CONDOMINIUM PLAN NO 203 MASTER DEED RECD IN LIBER 3343 PGS 326 TO 373 SPLIT ON 09/22/2005 FROM
Legal Subdivision	SPRUCE MEADOW CONDO
Legal Unit	6
Jurisdiction	SAINT CLAIR MI
Township / Civil Division	PORT HURON
Census Block Group	1
Census Block	1004
Census Tract	635000

Owner

3184 Spruce Dr, a condominium, is owned and occupied by an individual who bought it in July 2014.

Source: St. Clair County records, as of September 17, 2026

Owner of Record	Individual Name on File
Mailing Address	3184 SPRUCE DR, PORT HURON, MI 48060-1637
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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 3, 2014 · Amount on File
Deed Sale	Jul 3, 2014 · Amount on File
Prior Sale	Oct 31, 2006 · Amount on File
Deed Document Number	201414715
Deed Book / Page	4517 / 730
Record Updated	Oct 29, 2026

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Property Address	3184 SPRUCE DR, PORT HURON, MI 48060-1637
Transaction Type	Mortgage
Record Updated	Oct 1, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3184 SPRUCE DR 6, 6, PORT HURON, MI 48060-1637

Mortgage

Document Number	0005850318
Date	Sep 15, 2025
Book Page	5850/318
Instrument	2025017246

Lender

Name	E MORTGAGE CAPITAL INC
Type	Mortgage Company
Address	18071 FITCH STE 200, IRVINE, CA 92614

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2055

Tax Assessment & Valuation

The 2025 property tax bill for 3184 Spruce Dr was $4,243 with a homeowner's exemption, up 3% from the year before.

Source: St. Clair County assessment roll, as of September 17, 2026

Property Jurisdictions

Type	Name
State	Michigan
County	St. Clair County
County Subdivision	Port Huron Charter Township
Unified School District	Port Huron Area School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$179,200 (+8.47%)	$358,400
2025	$4,243.00 (+3.04%) Homeowner's exemption	$165,200
2024	$4,118.00		$330,400
2023		$150,500
2022	$3,694.00		$301,000

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 3184 Spruce Dr 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

Wildfire risk around 3184 Spruce Dr 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 93% of the US · lower than 83% 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	PORT HURON TOWNSHIP serves 10,654 people · EPA ID MI0005490
Water Source	Purchased surface water from CITY OF PORT HURON
Lead	1 ppb (2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	3 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 150 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Mercury Fiber.

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