3257 Moak St, Port Huron, MI 48060 Property Records

St. Clair County property record for 3257 Moak St, Port Huron, MI 48060

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,172 sqft · built 1930
Lot Size	0.133 acres (5,793 sqft)
Owner	2 Individual Names on File
Last Sale	$160,000 (Nov 2025)
Tax Bill	$1,280 (2025)
Deeds & Mortgages	Sep 2026 Line of Credit Oct 2025 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`74-28-272-0008-000`

Property Details

APN / Parcel Number

Primary APN	`74-28-272-0008-000`

Interior

Full Baths	1 Bath
Building Area	1,172 sqft Living Area
1st Floor Area	1,050 sqft

Exterior

Year Built	Built 1930
Effective Year Built	Effective 1930
Lot Area	5,793 sqft (0.133 acres)
Lot Depth	110 ft Depth

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	3257 MOAK ST
City	PORT HURON
State	MI
Zip	48060-7821
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-3
Legal Description	LOT 9 BLK 1 FACTORY LAND COMPANYS PLAT NO 3 AS RECORDED IN LIBER 20 OF PLATS PG 193 ST CLAIR COUNTY REGISTER OF DEEDS
Legal Subdivision	FACTORY LAND COS PLAT #3
Legal Block	1
Legal Lot Number	9
Legal Unit	9
Jurisdiction	SAINT CLAIR MI
Township / Civil Division	PORT HURON
Census Block Group	4
Census Block	4020
Census Tract	636000

Owner

3257 Moak St is owned and occupied by two individuals who bought it in November 2025.

Source: St. Clair County records, as of September 21, 2026

Owner of Record	2 Individual Names on File
Mailing Address	3257 MOAK ST, PORT HURON, MI 48060-7821
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	His Wife

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

Date	Document
Sep 3, 2026	Deed of Trust, Mortgage · Line of Credit GENISYS CREDIT UNION
Oct 21, 2025	Deed of Trust, Mortgage · Conventional Mortgage GENISYS CU
Nov 24, 2025	Warranty Deed, Transfer · Conventional Mortgage GENISYS CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 24, 2025 · Amount on File
Deed Sale	Nov 24, 2025 · Amount on File
Prior Sale	Sep 25, 2009 · Amount on File
Deed Document Number	202522600
Deed Book / Page	5874 / 362
Prior Transfer Date	Sep 17, 2009
Prior Transfer Doc	003987/242
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Recording Date	Sep 3, 2026
Property Address	3257 MOAK ST, PORT HURON, MI 48060-7821
Document Number	0000017969
Book / Page	5961 / 246
Instrument Date	Aug 29, 2026
Instrument	202617969
Transaction Type	Mortgage
Record Updated	Sep 21, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3257 MOAK ST, PORT HURON, MI 48060-7821

Mortgage

Document Number	0000017969,
Date	Sep 3, 2026
Book Page	5961/246
Instrument	202617969

Lender

Name	GENISYS CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Aug 29, 2046

Interest

Max Rate	-1%

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Property Address	3257 MOAK ST, PORT HURON, MI 48060-7821
Transaction Type	Mortgage
Record Updated	Nov 7, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3257 MOAK ST, PORT HURON, MI 48060-7821

Mortgage

Document Number	0005863127
Date	Oct 21, 2025
Book Page	5863/127
Instrument	2025020065

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2055

November 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAINT CLAIR MI
Recording Date	Nov 24, 2025
Property Address	3257 MOAK ST, PORT HURON, MI 48060-7821
Document Number	0005874362
Book / Page	5874 / 362
Map Reference	LB 20 PG 193
Instrument Date	Oct 16, 2025
Instrument	2025022600
Transaction Type	Transfer
Record Updated	Dec 10, 2025
Title Company	LIBERTY TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,200.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3903 PINE GROVE AVE, FORT GRATIOT, MI 48059-4219

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3257 MOAK ST, PORT HURON, MI 48060-7821

Mortgage

Document Number	2025020065
Date	Nov 24, 2025
Instrument	2025020065

Lender

Name	GENISYS CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2055

Tax Assessment & Valuation

The 2025 property tax bill for 3257 Moak St was $1,280 with a homeowner's exemption, up 2.6% 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		$52,300 (+4.81%)	$104,600
2025	$1,280.00 (+2.56%)	$49,900
2024	$1,248.00		$99,800
2023		$38,400
2022	$1,088.00		$76,800

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 3257 Moak 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

The area around 3257 Moak St has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within ember reach

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	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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 198 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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